End of Month Progress

At the beginning of the month 1/1/09 I had the following balances in various monetary accounts:
[balance(s) as of 1/31/09 in purple]

• Sharebuilders--$177.17--> $197.84 (+ $20.67)
• PayPal--$.20--> $2.95 (+ $2.75)
• Savings Account--$87.12--> $3 (-84.12)
• 401k--$248.04--> $248.74 (+$ .70)

Not including my savings account balance a + $24.12

Income so far for the month:

• Paycheck--$98
• Paycheck--$171 (earmarked for meat order received in December & January not included in this months budget)
• UEC--$175
• Paycheck--$350
• TOTAL--$794
• Paycheck--$195
• Paycheck--$636
• TOTAL--$831

Money Spent & Bills Paid:

• Sharebuilders Commission--$12
• Rent (current)--$100
• Meat Order--$133
• Phone & DSL--$103 (will receive $50 rebate--$46 normal bill)
• Satellite TV--$73
• Dial-up Internet--$22 (temporary till I upgrade my puter)
• Heat--$136
• Loan--$95--Paid in Full
• TOTAL--$674
• Unplanned Dr. Appt (for shoulder)--$20 + $5 toward old balance
• Unplanned Rx's (for shoulder)--$2.65
• TOTAL--$702

For the remainder of the month I have the following:

• Paychecks totaling $858 (Actual $831) + $120 (from above) = $978 ($951)
• Water Bill--$120 payment arrangement made
• Sharebuilders--$17 pd
• Student Loan Payment-$405 pd
• Personal Loan--$50 pd
• Old Checking Account--$330
• Garbage Bill--$15 pd
• Sewer Bill--$32 pd
• Sharebuilders Commission--$12 to be pd 2/2/09 money set aside
• TOTAL BILLS--$981

Overall not too bad. It is an improvement but I'm not happy. Two bills were not paid and will carry over into next month. It's my own fault, I allowed my hours to be reduced at my second job which affected my income a bit. Also I took a "voluntary" lay-off (last week of December) from my primary job which now I am second guessing; tho it did allow me to visit my family in Buffalo. There is room for improvement!!

February soon to come.