Come on Feds!!! gimme a quarter gimme it wheres my quarter point. you can do it come on feds!
Gimme an F Gimme an E Gimme an D Gimme an S What's that spell???
A lower interest rate on my HELOC YAY RAH YAY
Let's see. To catch this journal up a bit.
November is my scary month. Ever since April I've been watching 11/1 approach in my Bill Wizard. It is the lowest point in my buffer. After this, thanks to a 5 friday month in Nov. and a tuition reimbursement from my job, I'm over the worst of it.
The buffer was extra-low though because of a few things. A surprisingly high water and electric bill (electric up by $37, water up $30.) And I offered to send my parents $200 to come visit me over the holidays. I'm still going to save money because going to them requires me renting a car during the most expensive time of the year to do it. The flights might only be $300 but the rental car was going to run me $500. I also convinced them that traveling after the holidays was better all around. They are both in their mid-80s and still do very well but why be in the middle of all that if you don't have to. That in turn decreased my rental car costs on this end. I then used some Amex rewards to get a $100 voucher towards the car so $144 will be my rental car costs for 1/2-1/6. Yay.
But back to the $200 I sent them. I hadn't budgeted for that. Whooops. The spontaneous gesture I made sent my finances into a speed bump. Which led me to my motto for the last week. "Shut up!"
I'm discovering I end up spending money because I open my big trap and say things like: "y'all want to get together at my house for that?" no! no! Cady shut up! let someone else offer. sigh.....
Breakfast (9:30am) was oatmeal, healthy heart serving! $0.12 a serving when you add in my syrup.
Lunch 1 (1:30pm) was a ziploc round of brown rice stir-fried with eggs, scallions, and a steak I found on sale in the bottom of the meat freezer for $1.71. Total perhaps $1 (I got 3 servings from it.)
Lunch 2 (4:30pm) small ziploc round container of black eyed peas and rice with ham chunks. $0.47 a serving since I get about 10 portions from the giant pot I made.
Supper (7pm) was the same sized container of my home made chicken soup. That batch was probably $0.77 a serving since I used one of those sale chickens I'd gotten for $0.39 a pound back in July. (Speaking of which I found whole fresh chickens on sale again yesterday at Sweetbay for $0.69 a pound. Bought two: 1 cost $2.84 and the other $2.99 that's a great price on something that is the cornerstone of 15 lunches for me.)
And a late night snack (9:30pm) was 1 rib, a dry salad ( I know I know but I don't really like salad dressing,) and 1 potato smashed with garlic. (This was free food since my honey was over and he was making dinner with stuff he picked up at the store on the way over.)
So I ate yesterday for $2.36 about. I'll round up to $2.50 since I ate some Mr Salty pretzels ($1.49 for a giant box and they last forever,) at my desk and drank iced tea I'd made at home and brought to work. Not bad and on track for a $30 food week.
What else. Did I already mention my windfall for October was that my car insurance was $110 cheaper since the Florida legislature let PIP lapse? It'll be required again in January but I'll have more money for it then. Odd how every month I've managed to get about a $100 windfall.
The BOA to AmexBlue balance transfer went through and my monthly payment on that balance dropped from $124 paying BOA their 8.99 interest to $95 paying Blue 4.99 for the life of the balance. I was sending BOA $150 and I'll send Blue $125 but it is nice to have the sort of optional $55 difference in my budget. Gives me more flexibility.
And finally I put my zero balance cards and the new Amex Blue and my only other credit card in my safety deposit box. Far away from me and any temptation.
Ok. Back to sending warm loving thoughts to the Feds.