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Tuesday, February 06, 2007

One last update with finances ... we're trying

Hi this is us ... I think this is about where we are ... using yesterday's money figures

Now in bank 178 ---> upcoming bills $161 === bal. $17
(upcoming = 13 parking, 60 gas, 63 school loan, 25 doctor)


Feb 15 upcoming bills $284 Bunny $800 ===bal $116
(upcoming = 150 doctor, 100 medicine, 15 music, 19 netflix)


Mar 1 upcoming bills $1116 ===bal 84
(upcoming = 870 rent, 13 parking, 60 gas, 57 car insurance, 23 gym, 63 school loan, 25 doctor, 5 audioblog)


Tax Money $1938 (bunny 460) ===bal 60 hopefully (appt on Feb 7 -- appx 2 weeks)
(18 electric, 125 cable, 100 government, 144 AT & T, 64 UIC, 25 ARC, 50 MSRI (old doc bill 2100 bal), 452 oral surgeon, 500 dentist, 460 Bunny)


Mar 15 upcoming bills $777 Bunny 200 ===bal 218
(upcoming bills = 13 parking, 60 gas, 150- doctors. 5 audioblog, 100 medicine, 15 music, 19 netflix, 420 flexible (50 SSI, 60 electric, 110 cable, 200 groceries))


Apr 1 upcoming bills $1116 ===bal 84
(upcoming = 870 rent, 13 parking, 60 gas, 57 car insurance, 23 gym, 63 school loan, 25 doctor, 5 audioblog)

Apr 15 upcoming bills $827 savings (Bunny) $300 ===bal $73
(upcoming bills = 13 parking, 60 gas, 150- doctors, 100 medicine, 15 music, 19 netflix, 50 MSRI, 420 flexible (50 SSI, 60 electric, 110 cable, 200 groceries))


K now double check ...

So … 1200 1rst of month = 870-rent (3rd), 13 parking (6.50 2x), 60 gas (30 2x), 57 car insurance (5th), 23 gym (5th), 63 school loan (9th), 25 medical (9th), 5 audioblog (18th) OR 1200-1120 = $80. That leaves the 15th for balance of auto payments 13 parking (6.50 2x), 60 gas (30 2x), 100 medicine (20th), 150 medical (23rd), 15 music (26th), 19 netflix (30th), 50 MSRI (30th), AND flexible 200 groceries, 110 cable, 60 electric, and 50 SSI OR 1200 – 827 = $373 à $300 Rich savings = $73 (Total $153 per month free money for anything).

This would mean you would be paid $800 February 15th, $460 about March 1, and final $200 March 15th ... then on April 15th try to start paying you $300 a month for savings - Plus with the 15th check should pay monthly $200 for groceries.

I'm a little worried about keeping too close to a zero balance ... might want to ask for $100 upfront from something to keep account over 0.

What do you think ... could I live at $153 free money a month to spend to stay in budget AND save toward emergency or car??

posted by Ann Marie @ 2/06/2007 06:37:00 AM Comments: 1