So today I finally got around to doing yet another fresh start in YNAB. Ugh. While my networth has gone up thanks to a particular electric car, everything else is not going in the right direction. In fact, between all of my credit cards, the amount is more than my next 1 1/2 paychecks. (I get paid every 2 weeks.) I have the money to pay them in full, it's just some of that money is being pulled from other places.
Included on the CC statment is the cost of the tickets for my upcoming trip to NE. I have not yet purchased my Christmas tickets - going to CA and then to NE and then back here. October is a 3 paycheck month, so that will cover that with no problem. I do think I'm going to have to resign myself to the fact that I probably am not going to be able to make the trip to TX for my friend's sons graduation. 
Right around that time I'm going to need any extra money to pay for moving expenses .. not for a trip.
I decided to cancel hulu+ and only keep Netflix. I almost canceled Netflix too, but there are times I really want to watch a movie or watch a bunch of episodes in a row ... I'm also deleting the HayDay app from my phone/iPad so that I won't be tempted to buy more in-app stuff ... or waste numerous hours playing it. It just isn't worth it (using my fun money for this game.)
I think I've figured out what I'm going to do for Christmas gifts - make insect repellant soap! I can get the supplies to make quite a few of them for about $30. I just need to figure out a nice way to package them. (If you want a link to the recipe, let me know.) This is also something that I can kind of make my "signature gift" because everyone can use something like this, and it is always needed (during certain seasons at least.) It'll also travel well once I figure out good packaging for it.)
I'm not sure if that by itself is "enough" though... what might be something good/easy/cheap to pair with it??
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My goals for October:
1. Update YNAB every time I make a purchase.
2. Stay within grocery budget ($150)
3. No unnecessary spending outside of fun money
-- fun money will probably be spent on a mani/pedi and whatever I need while out in NE.
4. Have more non-spending days (not including bills) than spending days.
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I was debating on whether or not I should stay in a hotel the night before my trip, or just leave early enough from here to make it to the airport. My flight leaves at 7 a.m. and it takes approximately 90 minutes to get to the airport. I'd want to be there by no later than 5:45, so that would mean leaving here around 4 a.m. It would be so much more relaxing to be up there Thursday night ... but is it $60 worth of more relaxing? I can always sleep on the plane ... right?
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Oh, funny thing. As I was checking my various credit cards I found out that I had overpaid on my gas card (I had it set on auto pay, but prepaid some of it one month for some reason.) So it had a credit of $85.15. Guess what my gas budget is for October? 
This is what happens when you're not paying attention...
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I have about $2200 left on my car loan. At $300/month, that means it will be paid off by about April (I may make a $400 payment to get it finished.)
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Question ... if your networth has gone above the $100k mark (mainly due to one stock) - should you increase your car insurance coverage to the max? Before this stock, I didn't have anything really in the way of assets ... but now?? Should I think about an umbrella policy, or am I still low enough in assets to not worry about that? If I were in an accident (at-fault) can they go after retirement accounts, or are they protected from lawsuits? (If so, then my non-retirement assets are closer to $40k - mostly in the one stock. So if that goes south ... then my networth quickly goes south as well.)
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Upcoming expenses -
$20 - Tolls from summer NE trip
$65 - medical (after insurance from two visits)
$24 - refill prescription
$30 - soap making supplies for gifts
$30 - mani/pedi (fun money)
$11 - Kari's nails trimmed (Kari's budget line)
$12 - cupcakes for Halloween Festival cake walk
$6 - candy for Halloween (all staff put together candy to hand out to neighborhood kids - usually 200+ kids)
$10 - snacks for book fair volunteers (I AM NOT buying books from the book fair this year!!!!)
$150 - Renew ALA and AASL professional membership
$20? - treat for meal in NE (grocery budget or maybe vacation budget?)
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I need to check to see if the local library has season 2 of Person of Interest. If not .. then I'm going to have to start setting aside some money to buy it. It's $27 for the whole season on Amazon Instant, or $43 for the DVDs. If I get the DVDs I can sell them to Second Spin for $14.25. Hmm.. It would almost end up costing the same, so probably the Instant is the way to go - less hassle and can watch on my iPad in bed snuggled up and warm. That is .. if the library doesn't have it. Maybe I can set aside whatever I earn from Pinecone towards it, or ... one of every five AGCs I earn could be put towards it rather than books for the library... If only it was on Hulu+ or Netflix. This is the one downside to not owning a tv - certain stations that put the first six full episodes of a show up on their website for free and get you hooked, and then stop - and don't let any of the regular sites air them.
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I just got an email notification that my $15 AGC from Swagbucks had credited to my account. That was fast - I think I ordered it on Wednesday?!
Taking Stock ... again (rambling a bit ... :) )
September 29th, 2013 at 09:14 pm
September 29th, 2013 at 09:42 pm 1380490955
September 29th, 2013 at 09:52 pm 1380491566
September 29th, 2013 at 10:25 pm 1380493523
September 29th, 2013 at 10:47 pm 1380494868
September 29th, 2013 at 11:12 pm 1380496371
September 29th, 2013 at 11:14 pm 1380496481
September 30th, 2013 at 01:17 am 1380503863
September 30th, 2013 at 02:09 am 1380506962
Oh man! I am really tempted now to do the hotel thing ... If I can find someone to look in on Kari two or three times, maybe I will just do it. (That is part of it too - wanting to minimize the time Kari's left alone.)
September 30th, 2013 at 02:28 am 1380508132
I was thinking that's what you meant by "moving".
I think a pretty handtowel would be nice.
September 30th, 2013 at 02:42 am 1380508936
Maybe a pretty hand towel for the ladies, and a washcloth for the men?