Summary Sunday 6

 

GOALS

No big changes here. Still succeeding in areas that we were succeeding in and hoping to succeed in the rest soon.

  1. 3% monthly change in credit utilization; minimum 36% change during 2017 (current: )

January(-17.90%) February() March() April() May() June() July() August() September() October() November() December() year to date (-17.90%)

  1. $2,000 saved into a general saving account
  2. $1,500 saved as an emergency fund
  3. Continuously follow a “Savings Challenge”
  4. $500 saved for our trip in March
  5. $750 saved for our trip in July
  6. $800 saved for my trip in November
  7. Positive balances in both our checking account and bill pot at the end of each month

January() February() March() April() May() June() July() August() September() October() November() December()

  1. That we have enough cash each week to maintain a pleasant lifestyle
  2. Start a retirement account

How do we stand currently?

So so. We have $500 in checking but I still have a couple of bills I want to knock out early this month. Hubby has a big test this week and needs about $70 in supplies. Still going through treatments and testing with one of our dogs. We will see how it goes! We should be fine though, which is such a huge relief!

Credit Utilization: 32.10%

Savings: $428

Emergency Fund: $0

Savings Challenge: $100

Trips 1/2/3: $0/$0/$0

Checking: $500

Bills Pot: ?

Cash: H $125, W $148, Gas $?

CREDIT UTILIZATION

I’m choosing to not update these charts because I have not made any payments or purchases with these cards in the last week. I’m hoping once the week is half over I will have some money that I can use for second payments on these accounts and potentially an early payment on card 1.

  Card 1 Card 2 Card 3 Card 4 Card 6 Total Credit
Dec ’16 93.73% 30.38% 23.23% 34.55% N/A 51.30%
Jan ’17 (1) 95.80% 22.81% 23.23% 34.55% N/A 50.00%
Jan ’17 (2) 95.80% 22.81% 13.72% 33.24% N/A 46.56%
Jan ’17 (3) 95.80% 23.38% 14.06% 19.03% 0% 33.33%
Jan ’17 (4) 92.47% 23.38% 14.06% 19.29% 0% 32.55%
Jan ’17 (5) 95.33% 20.25% 11.28% 14.21% 6% 32.10%

 

  Jan. Feb. March April May June July Aug. Sept. Oct. Nov. Dec. 2017
Card 1 $100 $100 $100 $100 $100 $150 $150 $150 $250 $250 $200 $100 $1750
Paid $100                       $100
Card 2 $30 $50 $50 $50 $50 $50 $50 $50 $0 $0 $0 $0 $380
Paid $30 $50                     $80
Card 3 $30 $50 $35 $45 $40 $45 $45 $0 $0 $0 $0 $0 $290
Paid $55 $50                     $105
Card 4 $563 $193 $193 $193 $193 $0 $0 $0 $0 $0 $0 $0 $1352
Paid $580 $193                     $773
To Pay $723 $393 $378 $388 $383 $245 $245 $200 $250 $250 $200 $100 $3,755
Paid $765 $293                     $1,058

 

SAVINGS CHALLENGE

We had a great week! I won some money at work and decided to go ahead and deposit $35, bringing us up to $100!

WEEK DEPOSIT TOTAL ACTUAL
1 2 2 $44.26
2 4 6 $49
3 6 12 $55
4 8 20 $65
5 10 30 $100
6 12 42  
7 14 56  
8 16 72  
9 18 90  
10 20 110  

 

2017 PROPOSED BUDGET vs ACTUAL

  PROPOSED ACTUAL FEBRUARY PAID
RENT $1,400  
ELECTRIC $250  
PHONE $215 $212
CAR INSURANCE $114  
GAS/CAR STUFF $260  
VET PLAN $60  
H CASH $400 $125
W CASH $400 $148
DATE NIGHT $40 $30
SUBSCRIPTIONS $25 $10
CARD 1 $90  
CARD 2 SEE $50
CARD 3 OTHER $50
CARD 4 CHART $193
CARD 5 Gone J  
CARD 6 $0  
HOUSE CLEANER $120  
GROCERIES $600 $11
HOUSEHOLD $280 $139
PETS $125 $37
TOTAL $4,679  
INCOME Estimate: $4,040 $1,736
BONUS INCOME   $100

We have already paid February’s rent, but I haven’t decided if I want to include it on this chart or not because it was paid with funds from January. I may leave this slot for March’s rent.

I won $100 in a contest at work, I rewarded myself with $40 in gift cards (hence the additional $40 on W cash) and treated myself to lunch (the other $8). My husband had a phenomenal week at work (combined we were$626 over our estimated income for the week) and so we treated him to a gift card as well. We buy digital music on occasion but have always safeguarded ourselves against over spending by never linking a card to our accounts and only using gift cards; both of us chose gift cards for music.

FOCUS

I need to try hard to stay on track this week. I was so exhausted last week that I just didn’t have it in me to do more than work and sleep. I think I’m finally on the upswing of whatever bug was keeping me down and hope that I can really keep up with blogging this week. The fact remains that I am a human, and there will be times that I miss blogs, womp womp. I am going to try very hard to not miss any though!

 

I already have fabric in the dryer for tomorrow’s project for a fun and crafty Make It Monday!

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