Tracking My Finances In 2009: 2 August

Posted by LuLuGal | August 2, 2009 .

Welcome to tracking of income and expenses for the month. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.

This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because bills are due starting on the first but I don’t get paid until the last day.

So again to clarify (since I get so many questions), this shows the cash FLOW for the month. On Day 2 of every month I will have a negative FLOW because I have paid rent etc so money has LEFT my checking account. I have not had any money come in on Day 2 of the current month since I got paid on day 27 or 30 or 31 of the previous month so that income is counted for LAST month.

twentyIncome for the month to date: $2.37

Expenses for the month to date: $55

Net effect: -$52.63

Since the last posting I got $2.36 in interest from ING accounts combined. I spent $55 on repaying personal loans (at 0% interest) and I will be paying rent on Monday so the expenses for the month will be going up significantly.

I will see you guys and gals later as I continue my journey to save money and become debt free!!!!

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One Response to “Tracking My Finances In 2009: 2 August”

  1. JOAN KENDRICK LYONS says:

    Here are a few tips on how to save money:

    HOW TO SAVE
    1. BUY INEXPENSIVE DISHWASHING LIQUID AND DILUTE DISHWASHING LIQUID – USE DISHWASHING LIQUID CONTAINER TO DISPENSE DILUTED DISHWASHING LIQUID – DON’T USE GLASS DISHWASHING DISPENSER
    2. BUY INEXPENSIVE BLEACH AND DILUTE BLEACH FOR CLEANING COUNTERS AND PLASTIC BED COVER
    3. USE ½ CUP BLEACH FOR WHITE CLOTHES & WHITE SHEETS WHEN WASHING WHITES
    4. USE 70% ALCOHOL – WALMART – 98 CENTS – MIX 1.0 OZ OF ALCOHOL WITH .5 OZ OF WATER WITH 1 DROP OF LEMON ESSENTIAL OIL – FOR BODY CLEANSING AFTER A SHOWER
    5. USE PINE POWER – DILUTE FOR CLEANING – USE SMALL AMOUNT WITH WATER IN SPRAY BOTTLE
    5. MAKE INEXPENSIVE TEA
    6. MAKE INEXPENSIVE LEMONADE
    7. DRINK TAP WATER
    8. USE TAP WATER FOR TEA AND LEMONADE – GIVE TAP WATER TO PETS
    9. USE BOTTLED WATER CONTAINERS FOR DRINKING TAP WATER – KEEP BOTTLES IN REFRIGERATOR
    TAKE WATER TO SCHOOL – BOTTLED WATER
    10. EAT POTTED MEAT SANDWICHES
    11. EAT PEANUT BUTTER SANDWICHES – USE JIFF PEANUT BUTTER
    12. EAT PURPLE HULL PEAS AND FIELD PEAS W/ SNAPS & CORNBREAD
    13. EAT CORNFLAKES FOR BREAKFAST
    14. BUY FROZEN BISCUITS AND COOK AND EAT BISCUITS FOR BREAKFAST
    15. EAT VARIETY EVERYDAY – EAT LEFTOVERS TO CONSERVE AND THAT IS OKAY
    16. PACK LUNCH BOX WITH SNACKS LIKE AN APPLE, AN ORANGE, SPREAD SANDWICH, SNACK – CRACKERS & CHEESE, PUDDING, CEREAL BAR, GRANOLA BAR, ETC – PACK 3 DRINKS IN PLASTIC WATER BOTTLES FOR THE DAY – I PACK KOOLAID – LEMONADE AND TEA
    17. BUY TURKEY SAUSAGE AND TURKEY BACON – AFTER FIRST OPENING – STORE IN FREEZER
    18. KEEP BREAD IN FREEZER – WARM FOR LUNCH BOX OR DINNER IN OVEN
    19. EAT A FRIED EGG SANDWICH
    20.CLEAN BED DAILY – PINE POWER, BLEACH, ALCOHOL
    21. CLEAN TOILETS DAILY
    22.KEEP MILK ON HAND
    23. BUY DR PEPPER FOR DOUG, CRANBERRY ALMOND CRUNCH
    24. PRAY
    25. USE STAPLE FOODS LIKE RICE, PASTA, EGGS, MASHED POTATOES, PEAS, ETC
    WHEN YOU COOK STAPLE FOODS DO THE FOLLOWING:
    USE SOUP BASES LIKE CREAM OF MUSHROOM AND CREAM OF CHICKEN FOR STAPLE FOODS
    WHEN YOU MAKE LEFTOVERS – MAKE A LITTLE SOUP – SAVE REMAINING SOUP AND PUT IN ZIPLOC BAG AND PUT IN THE REFRIGERATOR– ADD MEATS YOU HAVE IN REFRIGERATOR LIKE SPAM. CHOP SPAM INTO SMALL PIECES AND COOK SPAM WITH SOUP. POUR THE SOUP AND SPAM OVER THE LEFTOVER PASTA. SERVE WARM. WHEN YOU MAKE SPAM OR POTTED MEAT SPREADS – SAVE REMAINING AND PUT IN ZIPLOC BAG AND STORE IN REFRIGERATOR
    26. USE INEXPENSIVE SHAMPOO AND DEODORANT LIKE SAUVE PRODUCTS – $1 VALUE
    27. USE 1$ TOOTHPASTE
    28. SHOP AT WALMART
    29.USE SUN LAUNDRY DETERGENT – DON’T USE FABRIC SOFTENER
    30. EAT CRACKERS AND CEREAL BARS AS A SNACK
    31. EAT PUDDING AS A SNACK
    32. MAKE JELLO – MAKE WITH SUGAR
    33. MAKE DRINKS WITH SUGAR – TEA, LEMONADE, KOOLAID
    34. BUY INEXPENSIVE PIZZA – TOTINO’S $1.25
    35. EAT LEFTOVERS TILL IT IS GONE – DON’T THROW OUT FOOD
    36. LEARN TO COOK FRUGALLY – COOK FOR SERVINGS YOU ARE SERVING – FOR INSTANCE – PLAN AHEAD
    37. DON’T BUY APPLES AND ORANGES IN THE BAG – BUY A FEW APPLES AND ORANGES WEEKLY
    38. BUY MILK WEEKLY – IF YOU USE MILK – BUY INEXPENISVE
    39. BUY AND USE DIAL SOAP FOR CLEANSING BODY AND WASHING HANDS – USE DIAL REFILL JUGS
    40. USE DIFFERENT DIAL SOAPS – DON’T BUY THE SAME ONE EVERYTIME – USE VARIETY
    41. BE FRUGAL WHEN BUYING DRINKS LIKE SODA OR WATER – BE FRUGAL – BUY INEXPENSIVE – IT IS BEST TO DRINK KOOLAID AND LEMONADE AND TEA
    42. BUY INEXPENSIVE CEREALS – LOOK FOR BEST BUY AT WALMART
    43. KEEP FROZEN BISCUITS IN FREEZER
    44. WHEN YOU MAKE CINNAMON ROLLS OR BLEUBERRY MUFFINS – SAVE LEFTOVERS FOR SNACKS, STORE IN REFRIGERATOR AND EAT – DON’T THROW OUT
    45. EAT VARIETY FOR BREAKFAST – USE STAPLE FOODS MOSTLY LIKE TOAST, BISCUIT, CHEESE, AND EGGS – COOK EGGS DIFFERENT WAYS – USE DIFFERENT JELLY’S – BUY INEXPENSIVE JELLY’S AT WALMART – LEARN HOW TO COOK BREAKFAST – COOK SOMETHING UNIQUE EVERYDAY – HERE IS THE BREAKFAST LIST:
    BISCUIT & JELLY
    TOAST & JELLY
    CEREAL & MILK
    FRIED EGG SANDWICH
    FRENCH TOAST
    GRILLED CHEESE
    PATTY SAUSAGE AND BISCUIT
    SAUSAGE LINK BISCUIT
    EGG & TOAST
    CINNAMON ROLLS
    BLUEBERRY MUFFINS
    PATTY SAUSAGE , EGGS AND TOAST
    CEREAL & MILK
    SAUSAGE GRAVY & BISCUIT
    SAUSAGE LINK & EGG & TOAST
    SAUSAGE LINK & EGG & BISCUIT
    SUNNY SIDE UP EGG & TOAST
    SUNNY SIDE UP EGG & BISCUIT
    CHEESE EGG & TOAST
    EGG MCMUFFIN
    TOMATO GRAVY & BISCUIT
    TURKEY BACON & EGGS & TOAST
    TURKEY BACON & EGGS & BISCUIT
    OATMEAL & TOAST & JELLY
    YOGURT TOAST & JELLY FRUIT CRESENT ROLL & EGG
    EGGS BENEDICT

    46. WHEN YOU MAKE A SPREAD SANDWICH LIKE POTTED MEAT, SAVE REMAINING POTTED MEAT AND PUT IN ZIPLOC BAG FOR NEXT POTTED MEAT SANDWICH
    47. EAT A SPREAD SANDWICH FOR LUNCH – LIKE SPAM SPREAD, WHITE CHICKEN SPREAD, DEVILED HAM SPREAD, VIENNA SAUSAGES , SPAM, ETC
    48. DON’T USE PAPER PLATES OR PAPER TOWELS – USE WHITE BATHCLOTHS – HAVE A LOT OF THEM – USE PORCELAIN PLATE FOR EATING – USE NAPKINS FOR LUNCH BOX
    49. KEEP A SUPPLY OF GALLON AND SMALL ZIPLOC BAGS ON HAND – KEEP 2 IN HOUSE – WHEN YOU HAVE 1 REMAINING BOX – BUY ANOTHER BOX
    50. COOK PASTA, RICE AND MASHED POTATOES WITH TARRAGON – PUT TARRAGON IN SAUCE BASE FOR STAPLE FOODS LIKE RICE, PASTA, AND MASHED POTATOES. TARRAGON STOPS DIABETES. USE 1/2 TEASPOOON OF TARRAGON WITH STAPLE DISH.
    51. TURN OFF LIGHTS IN HOUSE AT NIGHT – HAVE ON ONE LIGHT – BATHROOM LIGHT
    52. BUY INEXPENSIVE TOILETRY ITEMS LIKE Q-TIPS, TAMPONS, PADS, LINERS, TOILET TISSUE

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