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Home > December 13 - a few more gifts gotten

December 13 - a few more gifts gotten

December 14th, 2005 at 02:26 am

Thanks Kashi for the info on savings bonds - I did buy one today for my niece, but I had her SSN with me. I guess I could have gotten it all done in one trip, but I'm sure I will be at the bank again soon. I have to get my banking straightened out. What a mess. I have been with a credit union forever, but since we moved back home there are no local ATMs. It never used to be a problem with DH commuting to Syracuse, but now that he is not going out there...it got to be a pain. So I have switched to BOA (so far, so good), but haven't closed the other account out yet until I can sit down with the checkbook to make sure all the checks have cleared. Plus I opened ING accounts for me, DH, and my two boys. DH opened us up a HSBC savings account because they were paying 4% interest - a much better place to stash the emergency fund than our piddly little 1% savings account. So we just have too many things to keep track of. So far I have closed my and DH's ING accounts, but kept the boys open until I can take their money to get some bonds. Hopefully I will be organized enough soon to close the credit union account, so we would only have two left. Two is manageable. I have been trying to do the same with my credit cards. Somehow we ended up with 2 Discovers, 1 Mastercard, and an Amazon Visa. I closed one Discover and the Visa, but managed to get talked into a BOA credit card (hey, they wanted to give me free money and 0% interest), so I can live with 3 cards for now. I use them frequently, but always pay them off (unless it's 0%), but it's still one more thing to keep track of. And if I were to miss a payment...I shudder at the thought of paying those late fees.
Not a bad day today - to work at 8, brunch at 10 prepared by my supervisor. She must have spent all day yesterday in the kitchen - ham, egg, and cheese casserole, sausages and apples, cinnamon rolls, fruit tray with granola and yogurt, muffins...it was yummy. Out of work at 1 (my short day) and spent the afternoon running errands before coming home. I stopped at the bank to deposit some checks (I got a surprise $5 check from my MD's office for an overpayment!?!?) and get the savings bond ($25) - then to the Salvation Army to look for a pair of jeans that fit. My two good pair are now too big for me Smile Smile Smile it's not a bad problem to have! So I found a pair of size 10 jeans that are pretty much what I was looking for - a little tight in the...uh...posterior regions, but it will be good motivation to stay on track and lose 5-10 more pounds. Then to Wally World (AKA Wal-Mart) for diapers, wipes, a few Christmas gifts, and groceries. I spent $111.65 there - about $30 on diapers/wipes, $30 on gifts, and that would leave about $51.65 for groceries. Then tonight we went to my aunt's house for spaghetti and meatballs...homemade...it was wonderful. DH stayed to play a card match with my aunt & parents and I brought the boys home. Now...a little catch-up on my finances, then I am going to wrap some presents.
Tomorrow I have to stop in to work for a meeting, but then might try to get some more shopping in. Christmas is getting so close so fast...
December expenses: $766.03 + 25 + 111.65 + 9.70 (TSA) + 50 (gas) = 962.38
December income: $1216.61 + 5 = 1221.61
Saved money today by: Getting free brunch and dinner, drinking water at work, shopping secondhand for jeans and clothes for ds2.

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