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Payday and Other Doings!

June 29th, 2015 at 08:07 pm

Friday was payday! I managed to get about $100 of "outstanding debt" paid down, and $200 went to the Cap One card. I always forget to mention the car payment because it's on auto-pay and I can't check the balance anyway (so annoying!) but that was paid too. A few fixed bills this paycheck, so progress was smaller (rent, student loan, gym, etc), but I also funded the new M&T account with what I'm considering the start of my baby EF - $250. 401k is up as well, but the app is giving me 2 different balances (using the lower to be conservative, altho I think the higher sounds more accurate).

Spending will be tight until next check, but I'm hopeful I can make it work without dipping into one of the credit cards (didn't work last week, as evidenced by the higher balance on the Verve). Tracking my spending has been eye opening. I'm definitely spending more than is coming in, hence the lack of progress, so I'm looking for ways to make cuts. I cancelled one gym membership that I've been procrastinating on. Trying to drive a little less to conserve parking $$ (a set amount is deducted from my check pre-tax, once it runs out I have to pay out of pocket until the month resets) and gas. I'm already very lean on groceries and entertainment. Once Mom takes the car payment over it gets a little looser, and more money will be directed to debt repayment and/or savings.

Thankfully, I'm traveling for work for a few days this week, which means all of my expenses are being covered. I don't have a corporate card, so I will be reimbursed next week. Since I use a debit card for almost everything, that'll feel like a mini-windfall (although I'll have to juggle funds around in the meantime).

As I mentioned, I sent $250 to fund the M&T account. The direct deposit kicked in for the Key account, so I removed my primary account, and added the M&T account. I'll have a month until the next change, which will be to remove Key and add Nationwide. Still waiting for the M&T debit card, and am slightly annoyed that I can't set up external transfers until it comes. Whew. I am earning this $650!

3 Responses to “Payday and Other Doings!”

  1. VS_ozgirl Says:

    Congratulations on starting your baby EF, it should grow pretty easily. And keep going with the expense cutting, you'll get there!

  2. scottish girl Says:

    Congrats on your baby EF! Smile

  3. FrugalTexan75 Says:

    Good job starting your BEF!

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