January

I started January with a goal of saving some money to put towards my savings account. I put in a direct deposit of 75 dollars every two weeks to go directly to the savings. I added 25 dollars as a one time deposit to the savings.

I ended January with 471.79 left in my checking account after all the expenses were paid for the month. I am not sure how I managed to do that other than when my mother in law came to visit we went out almost every day she was here and I paid for one meal. She did some grocery shopping for us and went out of her way to help us get settled in our new home.

I would like to put 200 dollars of the 471 into the savings account. I have some more health care bills coming in soon and the extra cash can be put towards those expenses.

My husband did his monthly contribution to the budget and gave me 300 dollars of his disability check and he pays his bills in full every month. He has a limited income and pays for his medicare premiums from his check. He usually does not have any extra funds and keeps 25 dollars a month in his savings account which he ends up using.

The savings for January increased some. There was a interest payment of 2.24, two deposits of 75 dollars each, a one time deposit of 25 dollars, and the transfer of 200 dollars from my checking to the savings that I just did online. The 200 dollars will be counted as a January deposit since it was from left over funds for the month.

I did have to take out the costs for the endoscope from the savings account that totaled 515.00. This was a cost that I knew I would have to pay since I spoke to the billing office at the hospital. It will take a while to recover this money and put it back into the savings.

February savings account balance: 8,554.20