Welcome to tracking of income and expenses for the month. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.
This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.
So again to clarify (since I get so many questions), this shows the cash FLOW for the month. On Day 2 of every month I will have a negative FLOW because I have paid rent etc so money has LEFT my checking account. I have not had any money come in on Day 2 of the current month since I got paid on day 27 or 30 or 31 of the previous month so that income is counted for LAST month.
Income for the month to date: $2.37
Expenses for the month to date: $55
Net effect: -$52.63
Since the last posting I got $2.36 in interest from ING accounts combined. I spent $55 on repaying personal loans (at 0% interest) and I will be paying rent on Monday so the expenses for the month will be going up significantly.
I will see you guys and gals later as I continue my journey to save money and become debt free!!!!
Here are a few tips on how to save money:
HOW TO SAVE
1. BUY INEXPENSIVE DISHWASHING LIQUID AND DILUTE DISHWASHING LIQUID – USE DISHWASHING LIQUID CONTAINER TO DISPENSE DILUTED DISHWASHING LIQUID – DON’T USE GLASS DISHWASHING DISPENSER
2. BUY INEXPENSIVE BLEACH AND DILUTE BLEACH FOR CLEANING COUNTERS AND PLASTIC BED COVER
3. USE ½ CUP BLEACH FOR WHITE CLOTHES & WHITE SHEETS WHEN WASHING WHITES
4. USE 70% ALCOHOL – WALMART – 98 CENTS – MIX 1.0 OZ OF ALCOHOL WITH .5 OZ OF WATER WITH 1 DROP OF LEMON ESSENTIAL OIL – FOR BODY CLEANSING AFTER A SHOWER
5. USE PINE POWER – DILUTE FOR CLEANING – USE SMALL AMOUNT WITH WATER IN SPRAY BOTTLE
5. MAKE INEXPENSIVE TEA
6. MAKE INEXPENSIVE LEMONADE
7. DRINK TAP WATER
8. USE TAP WATER FOR TEA AND LEMONADE – GIVE TAP WATER TO PETS
9. USE BOTTLED WATER CONTAINERS FOR DRINKING TAP WATER – KEEP BOTTLES IN REFRIGERATOR
TAKE WATER TO SCHOOL – BOTTLED WATER
10. EAT POTTED MEAT SANDWICHES
11. EAT PEANUT BUTTER SANDWICHES – USE JIFF PEANUT BUTTER
12. EAT PURPLE HULL PEAS AND FIELD PEAS W/ SNAPS & CORNBREAD
13. EAT CORNFLAKES FOR BREAKFAST
14. BUY FROZEN BISCUITS AND COOK AND EAT BISCUITS FOR BREAKFAST
15. EAT VARIETY EVERYDAY – EAT LEFTOVERS TO CONSERVE AND THAT IS OKAY
16. PACK LUNCH BOX WITH SNACKS LIKE AN APPLE, AN ORANGE, SPREAD SANDWICH, SNACK – CRACKERS & CHEESE, PUDDING, CEREAL BAR, GRANOLA BAR, ETC – PACK 3 DRINKS IN PLASTIC WATER BOTTLES FOR THE DAY – I PACK KOOLAID – LEMONADE AND TEA
17. BUY TURKEY SAUSAGE AND TURKEY BACON – AFTER FIRST OPENING – STORE IN FREEZER
18. KEEP BREAD IN FREEZER – WARM FOR LUNCH BOX OR DINNER IN OVEN
19. EAT A FRIED EGG SANDWICH
20.CLEAN BED DAILY – PINE POWER, BLEACH, ALCOHOL
21. CLEAN TOILETS DAILY
22.KEEP MILK ON HAND
23. BUY DR PEPPER FOR DOUG, CRANBERRY ALMOND CRUNCH
24. PRAY
25. USE STAPLE FOODS LIKE RICE, PASTA, EGGS, MASHED POTATOES, PEAS, ETC
WHEN YOU COOK STAPLE FOODS DO THE FOLLOWING:
USE SOUP BASES LIKE CREAM OF MUSHROOM AND CREAM OF CHICKEN FOR STAPLE FOODS
WHEN YOU MAKE LEFTOVERS – MAKE A LITTLE SOUP – SAVE REMAINING SOUP AND PUT IN ZIPLOC BAG AND PUT IN THE REFRIGERATOR– ADD MEATS YOU HAVE IN REFRIGERATOR LIKE SPAM. CHOP SPAM INTO SMALL PIECES AND COOK SPAM WITH SOUP. POUR THE SOUP AND SPAM OVER THE LEFTOVER PASTA. SERVE WARM. WHEN YOU MAKE SPAM OR POTTED MEAT SPREADS – SAVE REMAINING AND PUT IN ZIPLOC BAG AND STORE IN REFRIGERATOR
26. USE INEXPENSIVE SHAMPOO AND DEODORANT LIKE SAUVE PRODUCTS – $1 VALUE
27. USE 1$ TOOTHPASTE
28. SHOP AT WALMART
29.USE SUN LAUNDRY DETERGENT – DON’T USE FABRIC SOFTENER
30. EAT CRACKERS AND CEREAL BARS AS A SNACK
31. EAT PUDDING AS A SNACK
32. MAKE JELLO – MAKE WITH SUGAR
33. MAKE DRINKS WITH SUGAR – TEA, LEMONADE, KOOLAID
34. BUY INEXPENSIVE PIZZA – TOTINO’S $1.25
35. EAT LEFTOVERS TILL IT IS GONE – DON’T THROW OUT FOOD
36. LEARN TO COOK FRUGALLY – COOK FOR SERVINGS YOU ARE SERVING – FOR INSTANCE – PLAN AHEAD
37. DON’T BUY APPLES AND ORANGES IN THE BAG – BUY A FEW APPLES AND ORANGES WEEKLY
38. BUY MILK WEEKLY – IF YOU USE MILK – BUY INEXPENISVE
39. BUY AND USE DIAL SOAP FOR CLEANSING BODY AND WASHING HANDS – USE DIAL REFILL JUGS
40. USE DIFFERENT DIAL SOAPS – DON’T BUY THE SAME ONE EVERYTIME – USE VARIETY
41. BE FRUGAL WHEN BUYING DRINKS LIKE SODA OR WATER – BE FRUGAL – BUY INEXPENSIVE – IT IS BEST TO DRINK KOOLAID AND LEMONADE AND TEA
42. BUY INEXPENSIVE CEREALS – LOOK FOR BEST BUY AT WALMART
43. KEEP FROZEN BISCUITS IN FREEZER
44. WHEN YOU MAKE CINNAMON ROLLS OR BLEUBERRY MUFFINS – SAVE LEFTOVERS FOR SNACKS, STORE IN REFRIGERATOR AND EAT – DON’T THROW OUT
45. EAT VARIETY FOR BREAKFAST – USE STAPLE FOODS MOSTLY LIKE TOAST, BISCUIT, CHEESE, AND EGGS – COOK EGGS DIFFERENT WAYS – USE DIFFERENT JELLY’S – BUY INEXPENSIVE JELLY’S AT WALMART – LEARN HOW TO COOK BREAKFAST – COOK SOMETHING UNIQUE EVERYDAY – HERE IS THE BREAKFAST LIST:
BISCUIT & JELLY
TOAST & JELLY
CEREAL & MILK
FRIED EGG SANDWICH
FRENCH TOAST
GRILLED CHEESE
PATTY SAUSAGE AND BISCUIT
SAUSAGE LINK BISCUIT
EGG & TOAST
CINNAMON ROLLS
BLUEBERRY MUFFINS
PATTY SAUSAGE , EGGS AND TOAST
CEREAL & MILK
SAUSAGE GRAVY & BISCUIT
SAUSAGE LINK & EGG & TOAST
SAUSAGE LINK & EGG & BISCUIT
SUNNY SIDE UP EGG & TOAST
SUNNY SIDE UP EGG & BISCUIT
CHEESE EGG & TOAST
EGG MCMUFFIN
TOMATO GRAVY & BISCUIT
TURKEY BACON & EGGS & TOAST
TURKEY BACON & EGGS & BISCUIT
OATMEAL & TOAST & JELLY
YOGURT TOAST & JELLY FRUIT CRESENT ROLL & EGG
EGGS BENEDICT
46. WHEN YOU MAKE A SPREAD SANDWICH LIKE POTTED MEAT, SAVE REMAINING POTTED MEAT AND PUT IN ZIPLOC BAG FOR NEXT POTTED MEAT SANDWICH
47. EAT A SPREAD SANDWICH FOR LUNCH – LIKE SPAM SPREAD, WHITE CHICKEN SPREAD, DEVILED HAM SPREAD, VIENNA SAUSAGES , SPAM, ETC
48. DON’T USE PAPER PLATES OR PAPER TOWELS – USE WHITE BATHCLOTHS – HAVE A LOT OF THEM – USE PORCELAIN PLATE FOR EATING – USE NAPKINS FOR LUNCH BOX
49. KEEP A SUPPLY OF GALLON AND SMALL ZIPLOC BAGS ON HAND – KEEP 2 IN HOUSE – WHEN YOU HAVE 1 REMAINING BOX – BUY ANOTHER BOX
50. COOK PASTA, RICE AND MASHED POTATOES WITH TARRAGON – PUT TARRAGON IN SAUCE BASE FOR STAPLE FOODS LIKE RICE, PASTA, AND MASHED POTATOES. TARRAGON STOPS DIABETES. USE 1/2 TEASPOOON OF TARRAGON WITH STAPLE DISH.
51. TURN OFF LIGHTS IN HOUSE AT NIGHT – HAVE ON ONE LIGHT – BATHROOM LIGHT
52. BUY INEXPENSIVE TOILETRY ITEMS LIKE Q-TIPS, TAMPONS, PADS, LINERS, TOILET TISSUE