December Bills.

These bills are really FROM november...so I dont know how to put this into budget. thats why i started in december. January 2009 is a time to really start things lol this will just give me an idea.

Allstate: $92.36 (done for the year. Try to pay premium next yr, it saves money)

Alltel: $25.01 (call them, they charge for weird things, but this is low d/t a credit from last month)

AT&T: $71.82 (next bill internet will not be $30, but $19.99)

Bank of America Credit Card: $37.02 (gym charge included)

Chase Credit Card: $101.69 (gas charges but i used this one for black friday, that will be a big one next month)

Dominion East Ohio (gas): $57.85

The Illuminating Co (electric): $29.88

US Bank Mortgage: (includes house insurance and taxes) $782.48 (next month pay $391.24 for biweekly payments)

Next month Direct TV bill will be added to the mess. Total in just bills this month: $1198.11

Shopping this week

Well after black Friday I dont even want to shop lol. But, I must. I got $46 in extra bucks i gotta use!

Aldi


CVS Deals
Gift wrap B1G1 free $5.99
Christmas lights b1g1 $3.99-9.99
Christmas cards- 50% off
sharpies b1g1 50% off
pajama bottoms 2/$10
2 extention cords
im going to use the extra bucks i got over black friday


Giant Eagle Deals

Marcs

Walmart
bread
milk

Walgreens
nothing

Black Friday savings!

So I always go out black friday, but not for the crazy items....just good deals. I try my hardest not to go NEAR the mall.

I will be waking up early, packing zak snack/breakfast to eat in the cart and off well go. First stop, walmart.

Walmart
$4 mixer check
$4 pjs x4 2 sz 4 2 sz 6 check
$4 track suit for zak x 5 one sz 3 2 sz 4 2 sz 5 check and one for michella
$8 winter jacket for zak x 2 one size 4/5 one size 6/7 check
$2 DVDs spiderman check
added: $4 clogs with fuzz inside x 3 sz 8 spiderman for xmas and sz 9 april/xmas zak and one for michella
added: cars hoodie sz 4t (guy didnt charge it ahhh)
added: $2 Spiderman dvd
Total: 94.56 saved: $89.86
Rite-Aid
Ipod radio $10 x2 one for myself and one for dad
Christmas lights $1.99 will use CVS ebcs
Wrapping paper $.77 will use CVS ebcs
Total: 21.23 saved: $20.00

Kmart
Doodle pro- $8.99 (for zaks friends birthdays) sold out!!!
added: scale $14.99
ipod speakers $10 B1G1---returning.
Total: 27.04 saved: $40

Target
Leapster games $15 x2 check
added: DVDs $5.98 Juno and the Bee movie
added: Leapster adapter- $9.99
Total: 55.20 saved: $41

CVS
Crockpot- $9.99 (get 2 one for jaimie and lee and one for mom) SOLD OUT!!!
Games for zaks friends nothing i liked
--Bic Soleil Single Razor: $5.99
Use $3/1 coupon from 11/2 SS insert
Receive $5.99 ECBs (limit 2)
Final Price = FREE plus $3 overage SOLD OUT!!!
--Colgate Total Advanced Toothpaste: $2.99
Use $1/1 coupon from 11/16 SS insert
Receive $2.99 ECBs (limit 2)
Final Price = FREE plus $1 overage check
--Hershey’s Candy: $.99
Receive $.99 ECBs (limit 1)
Final Price = FREE check
--Cover Girl Smoothers Pressed Powder: $5.99
Use $1/1 coupon from 11/2 PG insert
Receive $5.99 ECBs (limit 1)
Final Price = FREE plus $1 overage check
--L’Oreal Colour Juice Sheer Lip Gloss: $6.99
Use $1/1 coupon from 11/2 RP insert
Receive $6.99 ECBs (limit 2)
Final Price = FREE plus $1 overage check
--Playtex Gentle Glide or Sport Tampons (16-18 ct): $3.99
Use $1/1 Playtex Gentle Glide coupon from 10/5
Receive $3 ECBs (limit 1)Final Price = FREE check
--Schick Quattro Razor or Trimmer: $7.99
Use $4/1 coupon from December All You
Receive $6 ECBs (limit 1)
Final Price = FREE plus $2.01 overage SOLD OUT!!!
--Sally Hansen Maximum Growth Nail Color: $3.79
Receive $3.79 ECBs (limit 1)
Final Price = FREE check
Total: 57.73 ECB: 46.73!! saved: $24.68
Apple.com
Ipod Touch 16GB-- check
added: nice case for it
Total: 320.88 saved: $31
Aeropostle.com
Check for good hoodie deals. Sometimes $10 for a hoodie didn't have them.

$245.86 SAVED!!!!!!! and $46.73 in basically free money to CVS!!!!!!

=-D I think i did ok!

December budget

This is the form i'm going to use this coming month to budget myself.

It covers pretty much everything!!!

Monthly Expense Record

Net income: Salary-

Total:

Food:

Groceries-

Fast food/dining out/school lunches-

alcohol/snacks/beverages/water-

Household:

cleaners/maintinence/house/yard-

appliances/furniture/furnishings/supplies-

postage/atm fees/ bank charges/ misc-

intrest/taxes-

Transportation:

gas-

auto maintinance/wash/license-

taxi/transit/tolls/parking-

Personal:

clothing/dry clean-

tolietries/cosmetics/hair/nails/massage-

Health:

doctor/dentist/vision/medicine/vitamins-

Recreation:

vacation trips-

entertain/video/movies/music/parties-

lottery/sports/hobbies/lessons/clubs-

Education:

computer-

seminar/workshop/tution/supplies-

Family:

newspaper/books/magazines/games-

eldercare/childcare/sitter/tutor-

infant expenses/allowance/school expensense/toys/arcades-

General-

pet-

giftcards/flowers-

charitable/church-

work expenses-

legal/court-

other (explain)-

Fixed expenses:

Mortgage:

Gas:

Electric:

water:

Garbage:

Telephone/internet:

Cell Phone:

Cable:

Health Club:

Car insurance:

Home insurance:

Life insurance:

Health insurance:

Dental insurance:

Menu this week n more

Let me tell you, these meals will probably feed us into next week. I usually make more than I need and take it to work with me. so here's meals for the next couple weeks.

Starting on monday, well wait til next week because of thanksgiving i'm sure family will keep us fed.

Monday
Turkey Tortilla wraps
Chicken & Biscuits freezed some!! (kraft.com)

Tuesday
Meme's Chili
Weeknight Chicken Fajitas (kraft.com)

Wednesday
Fettuccine Alfredo (Kraft.com)
Three Cheese Chicken Penne Pasta bake (kraft.com)

Thursday
Chicken Quesadillas (me)
Chicken Brocolli Skillet

Friday
Super easy Chicken Enchilada Skillet
Pizza night at my parents

Saturday
STOVE TOP stuffed chicken rolls (Kraft.com)
Veggie Pizza made for a party i went to

Sunday
I don't know yet, my family and i rotate who makes dinner

Deals this week

I'm going to try to get to Aldi and CVS tomorrow, considering Black Friday will be nuts. Here is my list for the week....next post is black friday list!
Aldi
Clockwise® Toddler Boys' or Girls' Coat Style PJ's $ 7.99 each
Happy Farms®Cheese Cubes $ 2.19 each

CVS Deals
Maybelline Mineral Power Liquid foundation $8.99Get $8.99 ECB

Giant Eagle Deals

Marcs

Walmart
none

Walgreens
nothing i have coupons for

Goals by the end of the year

These are my financial goals. Very subject to change. I am adding and deleting as days go by.



By the end of December:

1. Close ING account, or make it a house fund (check for high rates)--11/26/08 transferred money will close account 12/2/08---12/7/08 done.
   
2. Close BOA --11/26/08 transferred money will close account 12/2/08---12/7/08 done.
   
3. Ipod Touch (well i guess thats a debt)--Done on black friday---12/7/08 done.
   
4. move more to savings---12/7/08 done. Moving all lake east paychecks to savings.
   
5. start budget. save every reciept and document daily. (maybe ill type up my budget list on here)--starting 12/1/08---12/7/08 half done, you will see it Dec 31 :)
   
6. Start planning menus again--started 11/25/08---12/7/08 done.
   
7. Post grocery lists and deal from supermarkets.---12/7/08 done kinda, we dont need much.

My big list of 2009 financial goals

1. Make menus, keep grocery bill under $40/wk


2. Get emergency fund established 6 mo of income when there put into CD --as of 11/26/08 opened 2 savings accounts: house fund and emergency fund. Looks like etrade.com has higher rates for the savings accounts than any CD does. Will see what 6mo of income is and go from there 12/7/08


3. Biweekly mortgage payments--will start 12/15/08


4. Pick 2 days out of month to pay bills--will start 12/15/08


5. Make little paper of all bills, cross off when paid--that's easy, why haven't i done it?


6. $100/mo into house fund into high interest savings ---ok thought about this, and im going to try to add $200/month bc i will need it.
   
7. All savings from coupons put into house fund and savings ---or fun fund? lol
   
8. Save all house receipts to claim


9. Garage Sale


10. CD Ladder (higher than 3.29%) Well see how this goes...I will start tomorrow after work...---scratch that the economy sucks.
    
    

Lets get it started

For my accounts according to mint.com:

• Etrade (high yeild savings account): $13,646


• Chase (low yeild checking): $2,525


• Chrles Schwab (high yeild checking): $1,261


• Chrles Schwab savings: $4,501


• Bank of America (small savings): $222


• ING savings account: $73
  
• LHS retirement account: as of 11/29/2008: $2,149.13

Today I get paid from Metro so I will be moving some money around via the internet.....keep ya posted.

My first entry

Well,
I'm posting a blog to kind of, organize my life a little.

I am starting to budget again in december, now that I have a house and such, things have changed. One thing I do know, I got poorer lol.

So, here we go, and well see how this goes......