Hey, That went up a good chunk even with using a bunch on BoA.
It's worth noting that my physical check register is empty, so there's going to be a bunch of extra numbers floating around in this that aren't there normally. This is so I can just copy the info down when I get the register.
Start 1120 Truck 190 930 Car ins 60 870 Life/Disability 60 810 Sallie Mae 220 590 Roth IRA 50 ----------------- 540 left
I can't go too ham on using available here. I've got another week plus before my next pay day.
BoA: Minimum payment is down to just under $400. I had to use it to take care of some ferret stuff though. I'm going to do 350 from buffer and 50 from available. Confirmation Number: LYFKT-FCYPP
540 -> 490
Discover: I need to change the date on this thing so it doesn't end right after I do this stuff. I have a paypal transfer coming to my bank account that will go to this.
Ok. I like that buffer gain. Granted, 560 of it was my tax return, but hey, it's still good news. I mean, aside from the Mbal being stupid low, but that can be dealt with because the BoA payment will come from buffer, and Discover was all reimbursement payments.
Start 860 Truck 190 Car ins 60 Life/Disability 60 Sallie Mae 220 ------------------ 330 left
BoA: Minimums have dropped a little bit since the last payments, but I'm still going to send $500 from buffer this way. Confirmation Number: LFMJ8-95P23
Discover: This past month's payment was a reimbursement from the shelter, next months will be a payment from the company.
Ok, that's better than I thought it was going to be. I was expecting almost no buffer, especially after paying BoA almost entirely from it.
Truck has been insanely useful. My insurance and gas costs have gone up, but I've been getting a ton of stuff moved around no problem. Most of my month has consisted of evacuating storage units and other assorted nonsense.
Monthly's Start 1250
Truck 190 Car ins 70 Life/Disability 40 Sallie Mae 220 -------------------- 730
(position flop upcoming here) Discover: Estimated minimum of 40 BoA: 430 from buffer
Christine gets $550
I have 140 to get to next thursday. I have to get gas in the truck today but I have cash to cover that.
Christine being out of work is really starting to put the screws to both of us. Add to that her disability deciding to not pay her for the last three weeks and ick. Luckily she had a windfall earlier in the year that's keeping everything afloat, and her dad has a lot of money spare for things like this.
We took a trip to Michigan to visit Christine's relatives a couple weekends ago and it CONSUMED about $500, with about a hundred of it being having to buy a fucking battery for the company SUV. Another hundred of it was Gas for the damn thing because it gets 20 mpg at best.
Start 600 Car ins 30 IRA 90 Life/Disability 40 Sallie Mae 220 ------------- Left 220
ACEN Payday put the buffer way up. I even paid for almost 700 worth of important stuff off of that. A big chunk of that money is going towards BoA this month though.
My car is paid off, so that's off the monthly expenses. Looks like this now:
Start 990 insurance 60 ira 90 at&t cell 70 Life/disability insurance 60 Sallie Mae 220 Netflix 10 --------------------- Left 480
My IRA contribution went up as well. The actual payment is just below 90, so it goes in as 90. But I'm still looking at $510 going out for monthlies instead of $710 per month.
BoA: I'm going to send 740 from buffer and 260 from available for a nice 1000 shot.
My car being paid off enables another 200 a month free to go after stuff. I'd really like to be able to start tossing that in the general direction of BoA to get that down to a non-insane level. As much as the quick one shots of a grand help, there's nothing like being able to pay bigger chunks at once.
Also, I specifically held more money in the buffer than I probably should have because I want to get my car's brakes looked at soon. They're getting close to being worn down and that needs to be addressed.
Perhaps I should still off some level of wizard poker equipment. I've got some modern staples that I could probably off for a few hundred extra dollars. And the xbone doesn't get used at all, it could probably be offed. I'm also going to need to look into a new computer sooner than later. This old thing from 2006 is starting to really wear down.
I also may need to skip a hockey season, depending on cash.
I'm probably going to be pouring over a bunch of stuff to double check this because I should have had more of a gain than that. I used 100 at BoA last month and only regained 50. The buffer is getting disappointing, but my tax return will be coming in and just sitting for a while.
Start 2010 Car 210 insurance 70 ira 80 at&t cell 70 Life/disability insurance 40 U-verse 60 Sallie Mae 220 --------------- Left 1260
Before I get on to BoA, I have to note that January was a two pay period month. I won't have all 1260 of that to shoost at the card (though it will be a higher number due to the Target credit card theft and it forcing me to replace my debit card).
BoA: Went up by a whole lot but most of this was expected due to the debit problems and having to buy tires. I can send 600 this way right now, but not much more because it'll be the 13th before I get paid again.