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February Accounting

February 28th, 2015 at 06:28 pm

I was waiting to make this post until I could know for sure whether my third $25 PP would deposit before March or not ... it didn't, so it'll go for March.

Extras:
NM tax refund - $87
NE tax refund - $142
Fed tax refund - $540
Swagbucks PP - $50
FB sale - $30
PerkPoints - $25 AGC
Pact - $16
Pinecone - $10

Total: $900

Expenses:
Tithe: 10%
Giving: $30
Rent: 430
Car Insurance: Pd 215 6 mo. premium, added 36
Groceries: 69.30
Internet: 64.96
House Gas: 39.36
Electricity: 44.53
Auto Fuel: 14.53
Restaurants: 39.24 (2 ff and Chinese buffet for two)
Kari - 22.66 (stocking up on food w/coupons)
Treats - 23.21 (before starting 40 day challenge)
Gifts - $12.13 (NEs Valentine's)
Tax Prep - $34.98
ROTH - $200
EF - 10% + $1,068

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So ... for this month it gives me an approximate 70% savings rate (I'm not including the car insurance payment in this calculation because it was previously accounted for in expenses only in monthly "installments")

My groceries category is way low this month mainly because I was eating the food I purchased in January from the store that went out of business, plus the frozen fruit I bought from Sam's in December managed to last til Friday (supplemented by two bags of ff I'd bought from closed store.)

I expect my grocery bill to be much higher for March, but that will be countered by no money spent on treats (until March 31 ...) Smile


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March is going to be interesting. I'll not only have my 2.5% raise going into effect, but I'll also have the 7% retirement contribution be taken out AND I changed my deductions from 2 to 3. Of course that income won't factor in til April, but I'll at least get to see what it's gonna look like. Big Grin

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After factoring in what I know I'm going to spend in March and estimiating some other expenses, my goal is to put $300 extra into my Efund in March. (above the 10% minimum)

However, there are some items I'm contemplating ...
Shoes - $20 x 2 (my work shoes are pretty much shot - I am planning on ordering two pairs so I have an extra pair on hand in case this style goes away before I need it again - good, comfortable dressy shoes .. worth their weight in gold.)

Kari supplies - ala Cat Whisperer - second litterbox with high sides ($12), one or two mechanical toys to help with boredom while I'm at work ($30-40), food puzzle ($10) automatic food dispenser ($50)

The litterbox and food puzzle are the only two items I'm sure I'm going to get, the others I'm still contemplating. I have roughly $90 in AGC, which would easily cover what I want, plus some. I'm also hoping my reward from Achievemint will arrive soon ($100 visa gift card)

Gym - $39/month ... I won't have a chance to check it out this weekend, but I plan to next Sunday. I also want to see how my paycheck pans out for March to see if I'll feel comfortable deducting $39 from it ...

Fitbit upgrade ... I love my Zip, but the cheap batteries I got from eBay don't last more than a month or two. They were 5 for $2. To get a battery that lasts 4-6 months, it'd be $10+. So ... I'm thinking about upgrading to the next level where you don't have to have a battery - you charge it via usb cord. This would be approximately $100, although I saw a mention on YNAB forums today of someone seeing it at Walmart for $29!! If I see it for that, I'm grabbing it, no question!

7 Responses to “February Accounting”

  1. creditcardfree Says:

    I think you should get the shoes before you get cat things! You are important too. I didn't know about cat food puzzles so I did a Google search and noticed some people make their own! I also see a simple toy, SlimCat on Amazon for less than $7 shipped with Prime! You are doing great Laura!

  2. FrugalTexan75 Says:

    Thanks CCF Smile
    Oh, I'll definitely be getting the shoes. The ones I have now won't last much longer.
    I'll have to check out SlimCat! (I don't have Prime anymore though.)

  3. creditcardfree Says:

    You are welcome!

  4. VS_ozgirl Says:

    Nice work with the extra income!

  5. Kiki Says:

    Do you know someone with prime?

    I let me boss use it and they shipped right to her address. She just had to sign in as me.

  6. scottish girl Says:

    That's a lot of extra income! Good job!

  7. FrugalTexan75 Says:

    Thanks everyone.

    Kiki - Nope, I don't know of anyone with Prime. I'll probably get enough items to get to the $35 minimum for free shipping. I put a number of items in my cart last night, and it got to $77 ... won't be spending that much! (although it's all covered by my AGC credit.)

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