August was a spendy month in a number of categories - due to car repairs on DH's vehicle, and changing some grocery habits (i.e. buying more fresh produce since DH is actually eating it now!)
So ... the numbers: (expenses only == lots of money was put in various holding categories)
Mortgage/Extra - $0 (Was a month ahead in payments, so decided to distribute this money elsewhere.)
Natural Gas - 41.86
Electricity - $0 (paid August's bill in July ... )
Phone - 60.67
Internet/Cable - 55.35
Groceries - Fast Food - 8.86
Groceries - 347.30
Car Fuel - 223.09
Tithe - 130
Giving - 30
Car Maintenance - 474.04
Clothing - 85.71 (mostly DH replacing jeans, shoes, belt)
Household General - 263.69 (bedframe, misc., piano bench)
Medical - 139.38
Pets-cats=food/litter - 59.10
Pets -cat-medical - 102.26
Pets - non cat - food.shelter - 70.34 (chicken cage, food)
DH birthday dinner - 40.84
Date Night = 17.30
Student loan - 53.51
Medical Debt - 1000
---
DH requested that for the next budget meeting if it could be done on the iPad laying down he'd appreciate it. So thankfully YNAB's iPad app has much more functionality than the iPhone app..
We did our September budget meeting on the iPad while lounging on the bed. We had about 500 more to work with this month due to DH not having any nights off for packing/cleaning his old apartment, etc. Still ... the money went fast!
We may be purchasing a vehicle for DH this weekend. He needs something that is good for delivering in the snow. The car replacement category and the car repair category got the most money for September.
For the medical debt, I'm looking for another credit card offer with a good sign up bonus. I have about 600 available in that category to make another large payment. Are there any spend $500 get $100 deals out there?
We also bought DH a new phone - he found a used replacement for $10 on eBay. He currently uses a Keocera flip phone ... He joked that he wanted an iPhone. I told him sure, if he could wait a few weeks til the new model comes out, then the iPhone 5's will be an absolute steal. Would be a good starter smart phone.
---
Ok, so bank account interest is weird.
In July we had just slightly less money spread between two accounts. Both qualified for the 2.5% interest. We earned a total of $28.50 between the two accounts.
This month all but about $1.5k was in one account. Only one account qualified for the 2.5% interest. We earned $41.86 in interest.
I really don't get how we earned nearly $12 less in interest having nearly the same amount spread between two accounts (maybe a difference of $900 in ending balances)
The amount we earned in interest this month is about what I'd figured we should have earned last month. So ...???
August Financials & Another Budget Meeting & Interest is Weird
September 3rd, 2016 at 09:10 pm
September 3rd, 2016 at 09:13 pm 1472937193
September 3rd, 2016 at 11:21 pm 1472944895
September 4th, 2016 at 12:07 am 1472947638
September 4th, 2016 at 12:36 am 1472949407
CCF - I would suggest starting with a 5S if you can find one refurbished. You should be able to get at least two years out of it before the updates stop working - maybe even 3. My 4S is still accepting updates, although some of the apps don't work anymore on it. (I use it mainly for Perk, Swagbucks, and an MP3 player.)
When the 7 comes out, ALL the earlier editions will be drastically cut in value. I personally would go for a 16GB version. I'm only now having issues with it not being enough memory - after having had an iPhone since 2009?
Thanks Bluebird! The fast food was helped in that DH decided to try to beat his health issues by eating more healthfully.
September 4th, 2016 at 01:10 am 1472951407
September 4th, 2016 at 01:16 am 1472951803
That's essentially what I told DH - that I don't mind spending more on groceries when it's due to buying more fresh produce. Thursday night we stopped at a local store that mainly sells produce, and spent nearly $40 on cantaloupes, watermelon, bell peppers, sweet potatoes, apples, cauliflower, eggplant, zucchini, 1 1/2 lbs of cashews, 1/4 lb macadamias nuts. There were some really good deals, but still, that was a lot to spend at once. Now I've to get it all cut up and used up. Thank goodness for the long weekend!
September 4th, 2016 at 06:58 am 1472972327
September 4th, 2016 at 01:05 pm 1472994310
Did the bank underpay you? (Check and ask for an adjustment if that is the case.) Was the money not in the bank the entire month of July? Or did you qualify for the 2.5% interest only part of the month of July?
September 4th, 2016 at 01:17 pm 1472995029
Thanks SG - it was one meal of takeout ..
September 4th, 2016 at 08:11 pm 1473019906