Getting On A Budget

I really want to get on a budget I said that in a post the other day when I was talking about starting this job.

I have been looking for an app I could set up a budget in, that tracks everything that I want in a way that I want. But I haven’t found that. I want one that tracks planed expenses and planned pay but doesn’t add your pay into the figures until you approve it the day it comes.

The one app I like I can put planed expenses in and it will take them out the day I set. But when I put planned pay in it adds it right away. I like it shows how much going out is coming up takes it away from your available money but tells you over all with it how much you have. If it did the same with pay that would work too but it don’t. But it is good to track daily expenses like those stops at the store, gas or just that few dollars you spend here or there. I like that.

The new one I found last night does what I want and a little more. But it is more for monthly expenses than daily and monthly. But it really help me set things up way better than the other. It is laid out as a calendar you see every day and it has a red dot for expenses and green for money expected in that day. Then at the bottom of the box it shows you how much money you will have on that day after either or both have been added in and taken off. If you go in and put in all your pay days and all your bills it really puts into perspective how much you should have at any given point and makes you think about how much you really spend.

It help me to put my bills in order too. It helps I get paid in Friday and Wednesday. I set my bills up so I pay one every Thursday. They will be on time and get caught up.

I really like it shows your pay and bills like that just wish it was easier to track everyday stuff. Like the money I spent at the store this morning or on the way to work.

By the middle of next month I should have about $1500 to put on a truck. I should have it paid off in no time a few weeks or month. By mid June with tax money I should have enough to buy a really nice truck like the one I have. It will be paid in full when I get it. Seeing all my household everything laid out and seeing what I can have motivates me. Seeing it is possible that I can do it is nice that we aren’t just going to be getting by.

If anyone is interested the apps are called Vault and income vs. Expenses.  Vault is the one that will really put things into perspective and show you what you can have on any given day.

 

Thinking About Goals

I have been thinking about what new goals I want to set or need to set. What I need to figure out and get done in life. And I am coming up blank. I feel like I need to just live and see where things go in a way. But at the same time I feel that I need to be working toward something. A reason to be doing what I am doing I guess.

I have to know why how and have a reason for what I am doing or it seems pointless or not worth doing. Right now all I am doing is working. I know I am to pay bills but I know that I am going to be making more and that I can do so much more because I am. I need to figure it out and make a plan so that I am not just wasting money week after week. I know I need to and should save and I will to a point but I will spend more than I should because it is like oh well I have it and making more, I’m not saving or working toward anything so it’st just there may as well do this or that with it.

Even though I know I want to get a small truck and save to get another bigger truck for all of us I still just feel like, it’s weeks away it will be alright. I don’t want to feel that way. I need to get back in the mind set of saving and improving. But I can’t get there. Even though I want to and know what I want to do and that I need to save I am in one of those weird moods with money right now. It is like I haven’t had any to spend in so long I am going to just spend for now and when I need to I will start saving. But really I needed to start saving now. But I know I can hold off and wait on getting something small another week or two if I have to and that don’t help either. Tonight I have to make some kind of set of goals if nothing else but what trucks or how much I want to have to put toward a truck and how much I want to save to buy the 2nd one. I would like to spend as little of my tax money as I can. I would rather use my money from working and put my tax money up for savings in case something happens or we meed something.

I think I will work on that tonight when I am not busy at my other job. This day is dragging on here but I am down to the last 55 minutes or so. I hope tonight goes faster than today. It should I am only working 3.5 hours tonight. I won’t get to work my full hours until later when the other guy is gone and I am on my own probably. That sets things back a little bit too so I am just like oh well save later but I need to kick myself in the ass and get started now.

Money Spent

I have spent so much money the last few weeks, it is unreal. I spent a bunch on gas and things running Sleeping Beauty the other week and since just here and there at the store with the kids. I spent about $85 two different times in a few days at the store with the kids. The first time was on things we needed soaps and things for the house. The second time I don’t know I bought a plant that was on sale for $1.88 and ended up spending over $13 on a hanging pot for it. I bought outdoor candles for me and Bff but they were only $3 I think. I think I let the kids get a few things I don’t even remember. I also had to get Big Boy get stuff for a class project.

then I spent a bunch in food out between me taking Bff to breakfast, then going out on Wednesday and milkshakes and things. Money out last night even though last night was only about $8.

I just been in a I don’t care mood I will make more. I have to stop because I have to pay bills and things. I had saved some money but now I am getting low again. Then having to take the dog to the vet and now needing a new phone.

I have to get a new truck in a few weeks I have to be able to save that money and find something. I just need to save over all again and start caring because I am going to be making a decent amount of money and can do what I need to do I don’t want to just keep blowing it and not get things done that need done. I still have to file and get my tax money back as well. If I play my cards right I should be able to get all my bills paid up and buy the little truck I want and the 7.3 Excursion I want. I have been seeing the Excursions cheaper and cheaper lately.

I will be able not only have time to do things with my kids but money to do things when I have the time. I should be able to have money saved as well to fix things and take care of things.

I just have to get over this last little hurdle or whatever it is and pick things up and get a plan in place and put it in action.

Disapointed Kids

I am so aggervated and I know I shouldn’t be, that I need to consider the source. I am and I am more aggervated over the source and it running its mouth than what it is saying.

I told you the mess I went through trying to get the kids things for Christmas and everything. Well first it was I can’t believe you got them that they don’t need it amd this other one I should of gotten them. But they don’t need a game because that is all they do. Well I work 10 to 11 hour days out of the house about 12, 3 days a week the two I am off by 5 I am still not in until 5:30 if I don’t have to do anything after work. If I have anything to do like going to the store for her or what I am not home until 7 maybe 6:30. But later most the time. It is dark at 6 and littles go to bed at 7/7:30 and 8:30/9. We have no time to get out and do things or go outside. Sundays we will go to the park or something or be lazy.

If she is not there the kids do go out and play even if I am not home. Her being the way she is they don’t bother to. She have a fit they don’t need to be out their alone and what they could or couldn’t do and everything. They don’t want to put up with her and I can’t be fighting with her from work over the phone. So they watch tv play games on the computer or tv.

Now I find the other things that I want and decide to do something different it’s how cheap I am and how disappointed my kids are going to be and she can’t believe that is all I am going to give them. How if everyone else don’t give them something they are getting nothing.

My kids are use to getting 3 to 5 gifts each. They get a new pair of pj’s and an ornament to go with that. So it works out to 5 to 7 things each. Normally their pj’s and ornaments I put in their stocking and give them the night before. So there isn’t stalkings for say. There are they just don’t have a bunch of tiny thing in them or candy. I was not going to do ornaments or pj’s this year at all with buying the thing for all 4 of them trying not to spend even more money knowing I still had to pay the other off. Then I decided to go ahead and do PJ’s but knew I may have to return them depending how things played out. Little Bitty has been all about stockings so I picked up a few little games and coloring pages at the $1 place to make a little stocking and I will put a little candy in it. I also picked up card game or small game for each kid that will fit in them. They were like $5 each. So they are going to get those too.

I have a drone for both boys, oldest did not want one. I also have two smaller remote control cars for the boys. They are both getting an action figure they wanted.

I got oldest Minecraft for the computer she has been asking for. It was with in a few dollar’s of costing the same as the drones. I also got her a small 3D puzzle she has been wanting. I asked her if she would like one of the big ones or middle size ones she said no. She wants to start out with the smaller ones first try them. Then I got her a book she told my mom she wanted and she said she was going to get and then didn’t. The book gose with the game I got her so she can learn to do different things. i also got her a cup with candy in it she wanted.

Little Bitty got the hatchamal she wants, a doll and a my little pony styling head.

I feel they are getting things they want then it don’t matter. She take the $50 and find one big thing or bunch of little stuff that no one really wants or going to use. Just look like she got something great or she spent all this money. I rather have things they are going to use or asked for.

So all I have heard is how upset and disappointed “your” kids are going to be. Then told today how they are going to never know what a real Christmas is as long as they are with me. Because I didn’t buy a ton of candy, cookies and junk. I hadn’t even gotten to that yet and we don’t buy a ton of it. They have been baking cookies and cakes for weeks and eating. I was going to pick up a few things. I worked 11 hours Wednesday, Thursday and Friday then 10 Saturday. I had to wait for my check Friday and Monday to shop or finish shopping. Then I had the mess trying to figure it all out. I haven’t had time to bake and do all that.

I was already thinking about getting stuff to make fudge and cookies and doing next weekend. I have Sunday-Tuesday off and don’t have to worry about shopping, or anything like that. We can just relaxe and take our time.

 

 

 

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