Comments on: As Promised – Here’s Where My Money Goes http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/ Our Journey to a Debt-Free Life Fri, 19 Mar 2010 18:39:20 -0700 http://wordpress.org/?v=2.8.4 hourly 1 By: Blogging Away Debt » Blog Archive » The Carnival of Personal Finance #48 is Up! http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/comment-page-1/#comment-451 Blogging Away Debt » Blog Archive » The Carnival of Personal Finance #48 is Up! Fri, 21 Jul 2006 00:34:42 +0000 http://www.bloggingawaydebt.com/?p=162#comment-451 [...] 2million is the host for this week’s Carnival of Personal Finanace this week. My post included over there is where my money goes. Have fun everyone checking out the great articles. [...] [...] 2million is the host for this week’s Carnival of Personal Finanace this week. My post included over there is where my money goes. Have fun everyone checking out the great articles. [...]

]]> By: Lisa http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/comment-page-1/#comment-188 Lisa Mon, 22 May 2006 00:20:00 +0000 http://www.bloggingawaydebt.com/?p=162#comment-188 You mentioned your family's pop habit. We were long time 12pk of Coke or Pepsi folks. Where we live, the local grocery store occasionally gouges for $4.69 for a 12pk of Coke! Sheesh! And that doesn't include the 5c deposit per can! So, recently we have been converting to "cheap pop". We have been buying only 2-liter bottles of "cheap pop" (here, it's Adirondack), unless we can get Coke/Pepsi for less than $3 per 12pk. We drink less of it (small glass at a time) and we don't leave around 1/2 drank (drunk?) cans! And, generic cola really ain't so bad! You mentioned your family’s pop habit. We were long time 12pk of Coke or Pepsi folks. Where we live, the local grocery store occasionally gouges for $4.69 for a 12pk of Coke! Sheesh! And that doesn’t include the 5c deposit per can! So, recently we have been converting to “cheap pop”. We have been buying only 2-liter bottles of “cheap pop” (here, it’s Adirondack), unless we can get Coke/Pepsi for less than $3 per 12pk. We drink less of it (small glass at a time) and we don’t leave around 1/2 drank (drunk?) cans! And, generic cola really ain’t so bad!

]]> By: Tricia http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/comment-page-1/#comment-187 Tricia Fri, 12 May 2006 06:07:00 +0000 http://www.bloggingawaydebt.com/?p=162#comment-187 freedumb - yeah, yeah, yeah - I hear ya! I want to quit the smokes soon. I see you are doing well with your quitting and that great! Congrats to you :) freedumb – yeah, yeah, yeah – I hear ya! I want to quit the smokes soon. I see you are doing well with your quitting and that great! Congrats to you :)

]]> By: Tricia http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/comment-page-1/#comment-186 Tricia Fri, 12 May 2006 04:33:00 +0000 http://www.bloggingawaydebt.com/?p=162#comment-186 andrew - yes, dining out is a big one. It could be eliminated completely, but treats are nice. Plus, it gets us out of the house for a little bit :) flexo - I love subcategories but most of mine I did "hide" on my report so it could fit for a screenshot. For me, the categories let me zoom in easily on problem spots. frugal - don't worry, you aren't intruding at all. I welcome the questions. My finance charges have increased recently (which reminds me I have to update my finance charge chart). One of my credit cards recently raised to almost 16% and the other big one is over 16% so your math is correct. I recently did do a balance transfer, so for May I should see the savings from completing it. It is way too high and my one credit card was 7.9% at one point (without balance transfers). It just kept going up and up. I've called to try to get it lowered - but I couldn't threat to take my business away because I would have been flat out telling a lie. Not many new credit cards have come along offering a high enough balance. A big change in my FICO score is expected soon (I'll know May 26) so I am hoping that will help and I can get a card or loan to complete a balance transfer. Thanks everyone for commenting! :) andrew – yes, dining out is a big one. It could be eliminated completely, but treats are nice. Plus, it gets us out of the house for a little bit :)

flexo – I love subcategories but most of mine I did “hide” on my report so it could fit for a screenshot. For me, the categories let me zoom in easily on problem spots.

frugal – don’t worry, you aren’t intruding at all. I welcome the questions. My finance charges have increased recently (which reminds me I have to update my finance charge chart). One of my credit cards recently raised to almost 16% and the other big one is over 16% so your math is correct. I recently did do a balance transfer, so for May I should see the savings from completing it.

It is way too high and my one credit card was 7.9% at one point (without balance transfers). It just kept going up and up. I’ve called to try to get it lowered – but I couldn’t threat to take my business away because I would have been flat out telling a lie. Not many new credit cards have come along offering a high enough balance.

A big change in my FICO score is expected soon (I’ll know May 26) so I am hoping that will help and I can get a card or loan to complete a balance transfer.

Thanks everyone for commenting! :)

]]> By: freedumb http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/comment-page-1/#comment-185 freedumb Fri, 12 May 2006 03:45:00 +0000 http://www.bloggingawaydebt.com/?p=162#comment-185 It's always impressive to see expenses broken down. Gives such a clear picture...so when ya gonna quit the smokes??? :) FF It’s always impressive to see expenses broken down. Gives such a clear picture…so when ya gonna quit the smokes??? :) FF

]]> By: frugal http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/comment-page-1/#comment-184 frugal Wed, 10 May 2006 23:23:00 +0000 http://www.bloggingawaydebt.com/?p=162#comment-184 Hi Tricia, You really have a good handle on your finance. The level of details is impressive. I don't mean to intrude your finances, but I did notice one thing: your finance charge is going up slowly. Using your credit card balance from NetWorthIQ, I think the finance charges are running at almost 16% APR. That's is probably too high, I think. Best luck. frugal Hi Tricia,
You really have a good handle on your finance. The level of details is impressive.

I don’t mean to intrude your finances, but I did notice one thing: your finance charge is going up slowly. Using your credit card balance from NetWorthIQ, I think the finance charges are running at almost 16% APR. That’s is probably too high, I think.

Best luck.

frugal

]]> By: Flexo http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/comment-page-1/#comment-183 Flexo Wed, 10 May 2006 18:00:00 +0000 http://www.bloggingawaydebt.com/?p=162#comment-183 Thanks for sharing with such detail! I think next month I'll expand my expense reports into Quicken's subcategories like you do. Thanks for sharing with such detail! I think next month I’ll expand my expense reports into Quicken’s subcategories like you do.

]]> By: Andrew - Money Supply & Debt Blog http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/comment-page-1/#comment-182 Andrew - Money Supply & Debt Blog Wed, 10 May 2006 01:58:00 +0000 http://www.bloggingawaydebt.com/?p=162#comment-182 Dining is probably the top thing on the list you can control. When I was a kid, I could count on a single hand how many times we went out to eat that year! Dining is probably the top thing on the list you can control. When I was a kid, I could count on a single hand how many times we went out to eat that year!

]]> By: Tricia http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/comment-page-1/#comment-181 Tricia Tue, 09 May 2006 20:55:00 +0000 http://www.bloggingawaydebt.com/?p=162#comment-181 I am an avid Quicken fan, but I tweak it to my liking ;) My background is in accounting, so I tend to think of my finances in business terms. For my reports I actually export them to Excel so I can hide the gazillion subcategories I have for everything. I am an avid Quicken fan, but I tweak it to my liking ;) My background is in accounting, so I tend to think of my finances in business terms.

For my reports I actually export them to Excel so I can hide the gazillion subcategories I have for everything.

]]> By: mapgirl http://www.bloggingawaydebt.com/2006/05/as-promised-heres-where-my-money-goes/comment-page-1/#comment-180 mapgirl Tue, 09 May 2006 20:40:00 +0000 http://www.bloggingawaydebt.com/?p=162#comment-180 Thanks for sharing! I was wondering what software you used. I don't quite like the way Quicken defines expenses since certain types of finance charges make my cash flow come out strangely. I always look like I'm behind even when I'm keeping all my payments on schedule. It's very odd. Thanks for sharing! I was wondering what software you used. I don’t quite like the way Quicken defines expenses since certain types of finance charges make my cash flow come out strangely. I always look like I’m behind even when I’m keeping all my payments on schedule. It’s very odd.

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