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Revisiting the Budget and working the Virtual Wallet

April 8th, 2014 at 08:58 am


Our primary banking is done at PNC and we have a virtual wallet set up. The savings account has our EF of $10K. I am planning on transferring that to a money market at Vanguard where it earn more interest. I plan on moving it at the end of the month.

The plan will then be to put $250 biweekly into the Reserve Account ($500 monthly) and $500 biweekly into the Savings Account ($1,000 monthly). I won't plan on touching those funds. This will also allow me to start growing the Extraneous Funds by about $500 a month (less expenses).

DH managed to throw out my debit card. I picked up an RX from Jewel Osco. My card was put into the bag along with the Rx bottle. DH thought he was being "helpful" and brought it in, throwing out the bag AND debit card. We had it cancelled and we are now using cash. It isn't as bad as anticipated, and it is definitely a cost/cash saving measure in keeping your funds.

I will plan on funding the accounts mentioned two paragraphs previously with the state income tax refund ($250 to each). [Random thought came after writing]

The schedule is once again getting filled up, but we're definitely striving for balance, too. Date time, family time, family outing, etc. DH decided has been working long hours and is opting out of a fraternal organization meeting tonight for an impromptu dinner picnic (finger/snack foods in family room on blanket, watching DANCE MOMS). He also took last Friday off and will take Good Friday off. And we're finalizing our vacation plans to CA.

All in all, it is all good.

1 Responses to “Revisiting the Budget and working the Virtual Wallet”

  1. FrugalTexan75 Says:

    I almost did that once - threw away my cc I'd used to pay my prescription. Thankfully I noticed the extra "firmnness" of the bag before it was too late. I now have Express pay set up so I don't have to worry about that. (Walgreen's has my card on file, so they just charge it when I pick up my prescription.)

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