Welcome to my daily tracking of income and expenses for the month. Today I sent off $36.00 to Capital One for their monthly payment. This was a few dollars over the minimum payment.

Income for the day: $0.00

Expenses for the day: $36.00

Income for the month to date: $386.23

Expenses for the month to date: $372.41

Net effect: $13.82

Did I save money: Let’s be realistic…Nope! But I do have a surplus so far.