| categories | dollars | hours | fulfillment | alignment | after fi | ||
|---|---|---|---|---|---|---|---|
| bank charges | document copying fee[1] | $5.00 | 0.3 | 0 | 0 | 0 | |
| account maintenance fees | savings[2] | $3.00 | 0.2 | – | – | – | |
| bill payment service | $3.60 | 0.2 | + | 0 | 0 | ||
| computers/internet | domain registration[3] | $35.00 | 1.8 | – | – | – | |
| hardware[4] | $138.98 | 7.0 | 0 | 0 | 0 | ||
| cultural | movies | $20.95 | 1.0 | 0 | 0 | 0 | |
| books[5] | $11.24 | 0.6 | + | + | – | ||
| fines | parking ticket[6] | $192.00 | 9.6 | – | – | – | |
| food | home | meals | $49.06 | 2.4 | 0 | 0 | – |
| snacks[7] | $16.02 | 0.8 | – | – | – | ||
| out | for enjoyment[8] | $36.71 | 1.8 | – | – | – | |
| health | hygiene[9] | $12.17 | 0.6 | 0 | 0 | 0 | |
| household | office supplies[10] | $2.89 | 0.2 | 0 | 0 | 0 | |
| insurance | auto | $52.06 | 2.6 | – | – | – | |
| health | $27.69 | 1.4 | – | – | + | ||
| loans | mortgage | principal | $1207.55 [fixme] |
h | + | 0 | 0 |
| interest | [fixme] | h | – | – | – | ||
| escrow | [fixme] | h | – | – | – | auto | principal | $343.91 [fixme] |
h | 0 | 0 | – |
| interest | [fixme] | h | – | – | – | ||
| postage[11] | $7.44 | 0.4 | 0 | 0 | 0 | ||
| taxes | tax preparation[12] | $297.00 | 14.8 | – | – | – | |
| utilities | gas and electric[13] | $166.71 | 8.2 | – | – | – | |
| telephone — cellular[14] | $55.64 | 2.8 | 0 | – | – | ||
| telephone — landline | $16.92 | 0.8 | 0 | 0 | 0 | ||
| transportation | auto | fees[15] | $34.00 | 1.8 | 0 | 0 | 0 |
| gasoline | $24.89 | 1.2 | 0 | 0 | 0 | ||
| tolls | $14.00 | 0.8 | 0 | 0 | 0 | ||
| zendo[16] | $83.50 | 4.2 | + | + | 0 | ||
| income | osdn salary | $3733.07 | |||||
| savings account interest | $0.04 | ||||||
| domini money market interest[17] | $3.85 | ||||||
footnotes
1. a copy of a check to prove that yes, i did pay my state taxes last year.
2. the savings account has been dwindling as i’ve been keeping money in the checking account to cover bills. i just got around to reviewing my savings account, and found that if i don’t keep 500.00 in it, i have to pay this 3.00 fee each month. that’s insane when i’m only making 0.04 in interest on it each month. even if i had a lot of money in it, i’d only be making 1% interest, vs. 1.8% in my domini money market account or 5% in a federal note. i’ve closed the account. this is a great example of losing money through simply not paying attention; for years, there’s been no reason for me to have this account. i just set it up in 1989 because that’s what the lady at the bank suggested, and for 13 years, i haven’t even thought
about whether it’s serving me or i’m serving it. terrible.
3. this is one of the two domains i have registered through yahoo! domains. i should switch them to dotster, like the rest; dotster only charges 15.00.
4. 54.99 — replacement screen for the visor. bad me for dropping it, but good me for installing a piece of replacement glass myself instead of paying 100.00 for a new visor. 83.99 — 8-port switch. i’ll be getting a 30.00 rebate on this.
5. drive it forever, a book about taking care of the car.
6. triple gah!! i didn’t see the sign telling me not to park there after 4:00pm, and had to get my car out of the impound lot. bad!
8. nothing out for convenience; good!
9. stocking up on soap, etc. at dollar general.
11. sending my old laptop to the osdn office in acton.
12. i wanted to pay someone to do it this year to make sure i did everything right with respect to the house purchase. if i pay someone again next year, it won’t be h&r block; the service was horrible.
13. including the final bill for carey street. w00t!
14. i reviewed my plan; this should be down to around 30.00 next month.
15. 20.00 for a copy of the title to the colt, 14.00 for an emissions inspection on the golf.
jeffcovey.net 