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Mid-January Update

January 15th, 2016 at 04:45 am

I can't believe it's already Friday! What a week. Things are feeling better in terms of the uncertainty mentioned in my last post. I've been starting to think through options, and that helps. I feel less out of control in the situation.

Yesterday I went to the grocery store - spent $48.45 at Aldi and $53.81 at Target, which seems like a lot, but I got enough to pretty much cover us through the rest of the month. And I still have $25 left in my budget to still stay under $200 for the month. The Target run included purchasing 2 bottles of vitamins - which was pricey, but were needed, and also got me a $5 gift card. I also got another 5 Lean Cuisines, as they were still on sale for $2 each, and I had a coupon off of 5. It's nice to have them around just in case, and I doubt I'll find a better price. Used my coupons again, as well as Cartwheel for the first time. Still waiting for my Target RED debit card to come in the mail so I can start using that. But the Chase card came. I'm just waiting for the balance transfer to go through - which should be on the 18th.

Last night I had a meeting with someone I met photographing an event a few months back. I sent him a photo I took of him meeting the former mayor, and he promised me a drink - the first I've had since New Year's. It was nice, and it turns out he has contacts in Nashville - both in the photography and urban planning worlds (that's what my degree is in), so it's encouraging that he's offered to put me in touch. I need all the help I can get.

Because it's the 15th and photos work again, here's where I'm at:

The internet is autopay, and doesn't come out until the 20th. The credit cards I've actually paid on this month - not sure why that's not up there. And the car payment should post today (I dropped it off yesterday).

But most important observations: Only $12 in shopping! "Shopping" includes anything other than what's included in the other categories, so it's also my misc. Also $0 in gas this month. I think I only spent $40 last month, with it being so very cheap and my not leaving the house much these days. haha. It's nice to not be running all over the place. Business expense really shouldn't even be on there - I need to switch those autopay accounts to my Huntington.

Next month there wont be a finance charge category, theoretically Smile

I'm thinking I'm going to look into consolidating my student loans - at least my private ones with Sallie Mae. My interest rates are through the roof (I'm talking like 9.5%), and it would at least be worth it to try so I can start making a bit more progress on them - or at least not losing a crapton of money every month.

So that's that. Halfway through January, and making a bit of progress! Here's to an equally (if not more) successful second half!

2 Responses to “Mid-January Update”

  1. creditcardfree Says:

    Yes, really good idea to look at your consolidation options. Lower interest rates on debt is always good!!

  2. snafu Says:

    Our doctor goes ballistic about the TV commercials on vitamins so I mention, is there evidence of a deficiency that requires extra support not easily gained with targeted food? What does your doctor recommend? Do vitamin capsules solve a problem or merely wash through your system?

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