10 beste Online Casinos (Februar 2021) - Experten Rangliste

Combined ~$85k gross. Lots of changes since my last diary! I'm still long winded!
Section One: Assets and Debt
Retirement Balance: $2,178.34 - 6.5%. Employer will put in 7.5%, vested at 5 years. B and I work at the same place, I'm guessing his balance is around $30k as he's vested.
Equity: I live with my fiance B. His 2 bed/1 bath house was paid off before we started dating. I'd say about $25k equity. VLCOL area.
Savings account balance: $517 in a HYSA.
Z's expense account: $245. I randomly put chunks of my child support in here to pay for school lunch and pictures, extracurriculars, co-pays, etc.
Wedding fund: $0, I just paid the deposit for our photographer ($400) and bought save the dates ($133).
Checking account balance: $1,831.04
Credit card debt: $4,055.62. Down $700 from my last diary when I was too scared to add the numbers up. I will hopefully be able to pay most of this off with my tax return.
Student loan debt: $30,287.51 for my LPN program and ADN, still in my grace period from my attempt at my BSN last fall. I should be paying my interest but alas, I'm not.
Clinic bill: $990.89. Somehow they got my old insurance company to cover my CT, so this is the remaining balance.
Section Two: Income
Main Job Monthly Take Home: $2300 for me. Just got a raise to $28.11 base and the shift differential was increased a bit. B brings home ~$1500 depending on how his on-call weeks fall. We are both hourly and get that sweet, sweet extra check 2x/year (looking at you January). We have separate accounts.
Side gig: B is a volunteer firefighter and gets paid once a year in November. The amount depends on the number of calls he responds to. Last year it was about $1250 and he used it for Christmas spending. I pick up some OT here and there.
Any Other Monthly Income: $531 child support
Section Three: Expenses
Pre-Tax Deductions
Health insurance: $514/month for Z and myself (plus $1200/year deductible).
Vision and dental: $81.54/month for Z and myself.
FSA: $140/month. I'm able to flex daycare as well as health care costs. Will be adjusted in January to about $250/month and I'm going to cry when I see my paychecks.
Monthly Expenses
Rent/mortgage: B's house is paid off. My daughter Z lives with us the majority of the time, and B's stepson E is here every other weekend.
Home insurance: $127, B pays. It's combined with his car insurance.
Savings contribution: I aim for $200 into the wedding fund, $150 into the emergency fund. I haven't put anything in since September since I'm paying to get out of my old house (ending contracts, dumpster fees, final bill payments).
Debt payments: credit cards - $170, clinic bill - $100. B throws money towards a snowblower he bought last month on a 0% interest promo, his only debt right now. Amount owed is $1600 - it's a pretty sweet machine.
Donations: ad hoc throughout the year, most ends up going to the kids' schools.
Electric: Between $60-160 depending on the season, B pays. I will cover more day to day expenses in the summer to make up for it.
Natural gas: $56, B pays.
Watesewegarbage: ~$60, B pays.
School lunch: $46. I pay.
Daycare: $29/week school year rate. I reimburse myself from my FSA.
Groceries: Around $400 for all of us. B and I trade off.
Wifi: $75, B pays.
Bed payment: $140/month, 4 months left. I paid half up front and financed the rest. I pay.
Car payment: $405.27 for my car. B's car and truck are paid off.
Cellphone: $275. 4 unlimited lines, 3 phone payments (ouch we're dumb), and $8/month for Z's new tablet. I went through our bill line by line and was shocked at how much I was paying for stuff we didn't need, like visual voicemail and high tier insurance, so I cut it way back. I pay.
Subscriptions: $84 for Netflix, Hulu Live, Apple storage for Z, Pandora Premium (couldn't give up my playlists) and Dollar Shave Club. I pay and share.
Prescriptions: $14 out of my FSA.
Eyelash extensions: $120
Amazon subscribe and save: It varies, but ~$40 for energy drinks and OTC meds every month. Other stuff like paper products, furnace filters and litter genie refills as needed. I pay.
Other Expenses
Property Taxes: $507/year. B pays.
Amazon Prime: $59/year, still on my student email. I pay and share with B.
Pet expenses: 3 dogs and 1 cat combined! $33.49/month dog food. $28.60/every 3 months cat food & litter (all through Chewy). $240/year for doggie haircuts. I pay for all this, plus my animals' shots as needed. B pays for his dog's shots and treats/toys. We keep going back and forth on pet insurance, although I know we should just get it.
Car insurance: $258.50 every Feb/August for my car.
Car registration: $293/year, also due in Feb.
Z's extracurriculars (dance and taekwondo): ~$600/year, depending on costume/shoe costs. I pay.
Day 1: Saturday 10/26
12 AM: I still don't sleep at night, even on my days (nights?) off. I spend time online designing our wedding and reception invitations, updating our wedding website and searching for a bakery. I'm quite pleased with my progress. We have a reception venue, DJ, photographer, officiant and are doing our own food. Just need desserts and a ceremony space.
3 AM: Titanic is on! I've seen it approximately 187 times and still cry every time Rose lets Jack go. I put on some nail polish strips (yes they are Color Street, please don't kill me) and make a bag of popcorn. Kick myself for the popcorn because I'm supposed to be IF.
6:30 AM: Head downstairs to sleep. Spoiler alert: I don't. B wakes up at 7:30, gets a few minutes of cuddles and goes upstairs. Dink around on social media for a while and drink almost my entire 40 oz water bottle. Why am I always so thirsty when I go to bed? Make a mental note to track my water intake.
10:05 AM: The dogs are barking frantically at the air. B lets them out to play in the yard for a while. Bed payment comes out of my account. I eventually fall asleep.
3:15 PM: B comes down to wake me up. We are going to see one of my favorite local bands at the casino and staying overnight. It's a Halloween party and I can't wait to see the crazy costumes. We had a garage sale last month and hoarded some of that money for this weekend. I pack a few things in the overnight bag and trudge upstairs for a body shower. I clean my eyelashes with special foam soap and wash my face with Cerave Hydrating face wash in the shower. Get out to brush and seal my eyelashes, put some hydrocortisone on my eyelids to fend off my eczema, and apply COSRX BHA Blackhead Power Liquid to the rest of my face. Still don't wear makeup. Brush my teeth and spritz on Poison Girl by Dior perfume. Look at me with the grown up products! I refresh my waves with a DIY spray bottle of LA Looks Gel and water and I'm ready to go. Somehow, B is not despite being up since 7:30. 🙄
4:30 PM: We put the dogs in the garage and head to my old house to put my couch and recliner on the curb since it's a surprisingly nice day, 62°. Fingers crossed someone picks them up. We stop for beer (B pays $29.15) and fill up my car with gas ($28, I pay). I send an e-gift card ($40) to a coworker for her baby shower gift and drink a Monster Zero Ultra during the ride.
5:45 PM: Check into the hotel. I pre-paid in July so no charge today. Break my fast with a Redd's - I fully intend to overindulge tonight.
6:45 PM: Head down to the casino restaurant for supper. I get breaded shrimp, B orders boneless wings. We both drink water to prep for the long night. $30 with tip, B pays since I got the hotel. One of my CNAs messages me about getting their asses chewed in report. Sigh.
8:00 PM: Slot machine time!! I lose $40, go figure. We meet up with a bunch of friends from work and get ready for the show.
10:30 PM: I am front row center with the band. I love these guys! They play covers but dang, they are talented. I scream my head off, take tons of Snapchats, dance with my friends and drink too many beers. Best costume: Big Bird, who sheds yellow feathers all over the dance floor.
Daily total: $108
Day 2: Sunday 10/29
1:00 AM: Show is over and I am officially tipsy. B manages to get me up to our room after I win back $20 on the slots. Our best man randomly stops up for a beer. I have the good sense to rinse off the sweat and apply a vitamin C cream to my face. Adult time ensues, and we pass out around 3:30.
8:18 AM: I'm up! We spent $60 on beers and tips last night. My throat is killing me from all the yelling. We cuddle for a while and talk about how much I needed a night out. I've been stressed lately between fighting with my mom about wedding planning, finances and feeling a lack of respect at my job. B assures me for the 15th time that he's fine with our money set up, and I finally break down and text my boss. I brush my teeth and we check out of the hotel.
9:45 AM: I feel like garbage so obviously I need McDonald's breakfast. ($6.19) Stop to make sure my tires are aired up properly and finish the journey home. PSA: temp changes dramatically affect your tire pressure. Take care of your tires.
10:20 AM: The dogs are very happy to see us. Our incredibly nice neighbor lets them out when we are gone. We play in the yard for a while, then I unpack our bag and start some laundry. B makes a pizza for himself.
12:30 PM: My eyelids are twitching which means my body is tired. Bring my youngest dog to bed and have a very nice nap after catching up on some Money Diaries and chugging more water.
4:45 PM: The dogs are once again barking frantically and the next thing I know, Z is in my bed! Her grandma brought her home, what a gem. It was Z's cousin T's birthday today, so Z got up at 5:30 to make and serve T breakfast in bed with grandma's help. Z is such a sweet kid. She tells me she wants purple eyeliner for Halloween; she's going as Elsa. I need to replace mine anyways so I find a set with 3 colors on Amazon and pull the trigger on a purple sweater that's been in my cart since August. ($50.58) She watches YouTube videos on her iPad while I scroll the interwebs.
5:30 PM: B makes supper. He fries some burgers and makes French fries in the air fryer. After we eat, we settle into the living room and watch It's the Great Pumpkin, Charlie Brown. Sundays are family movie night in our house, but we're all too tired to start anything else. Z is out by 8 which is early even for her 6 year old standards. B turns on the World Series and I fall asleep immediately.
10:15 PM: The dogs want to go out, so I oblige. Throw the ball for our lab a few times, but it's 34° so the little dogs don't last long. B wakes up from his recliner nap and goes down to bed. I turn on HGTV for beach night. I'm so jealous of all these people living on the ocean. My fav CNA texts me about her night at work. I'm immediately frustrated at the way she's being treated but I try to calm her down. She contemplates requesting a meeting with the boss, and I encourage her to do so.
Daily total: $116.77
Day 3: Monday 10/28
12:30 AM: My schedule changed last month to every Tu-W-Th, but this week I work M-Tu-W so I can take Z trick or treating. So I stay up watching HGTV and texting with the girls at work.
2:36 AM: I don't hear B come upstairs and I scream when he says "boo!" He drinks a glass of milk and goes back down to bed. I make popcorn and start reading a random YA book that was free on my Kindle app. I can't really do anything around the house when I stay up because Z's bedroom is right off the living room, and our bedroom is in the basement along with the washer and dryer. The floors are creaky in too many spots and B is a light sleeper. I mostly cuddle with the dogs.
4:00 AM: Decide to lay in bed and keep reading. I have to kick the cat out of my spot and she's meowing in protest. B's alarm goes off at 4:45 and I fall asleep shortly after he goes to work.
7:20 AM: Now it's my alarm going off. Z is already awake so I ask her to get ready for school. She argues with me every morning because "school is boring mom!!" Only 7 months left until summer break... I stop at the old house to turn on the heat so the pipes don't burst, and drop Z off at school. Nobody picked up the couch, dang it.
8:15 AM: The cell phone and Hulu withdrawals hit my account, and I spend a few minutes categorizing transactions in my bank app. Pick up around the house a bit and Swiffer up dog hair. It's amazing how much our lab sheds.
11:00 AM: I'm back in bed with my Kindle book. Eventually fall asleep.
5:15 PM: My alarm goes off. I send a message to Z and make sure she's home (she is). We got her set up with Messenger for Kids a few weeks ago and she's obsessed. I get dressed for work, brush my teeth, put some dry shampoo on my roots and some BHA on my face. Grab last night's leftovers and out the door I go. My CNAs are so happy to see me. Drink my Monster during report per usual.
9:45 PM: 6-10 is always the busiest part of our shift, but tonight goes smoothly knock wood. I even remembered to get my votes in on DWTS. Wtf is Spicer still doing there?! I heat up my two burger patties with cheese (no bun), grab a yogurt and some carrots for dinner. I do OMAD on work days. I've lost 18 pounds so far!
Daily total: $0
Day 4: Tuesday 10/29
1:30 AM: THE COMPUTERS ARE BEING SO SLOW AND I WANT TO DIE.
2:01 AM: The entire system is down now. FML.
2:56 AM: We talk about a tattoo my coworker wants to get on her ass. Apparently a local tattoo shop is running a Halloween special this weekend. She's 20 and it shows, but I love her to pieces. She recently went through a health scare with a tumor in her humerus, but it's thankfully benign and I'm glad to have her back at work.
4:10 AM: The computer system is finally back up so I finish my charting. Check out the web for stamps for wedding stuff. I find a deal on eBay and order 400. ($163.96) The first part of my child support is deposited so I move some money into Z's account and round up my savings to $600.
5:30 AM: We still have the same morning routine: B brings Z to work with him, and I drop her off at daycare when I get done with work. It was a great shift tonight!
6:30 AM: Z has a complete breakdown at daycare when I drop her off, which is very unlike her. I think she's used to spending Monday evenings with me and is thrown off this week. She's always a little attached when she comes back from her dad's. I get home to shower and wash my hair, which is my least favorite chore. I wash with Shea Moisture Coconut and Hibiscus shampoo, condition with Suave Essentials Coconut conditioner and brush it with the conditioner in. Put in some smoothing cream, gel and toss it in a tee shirt. My hair is to the middle of my back, so this is a freaking workout. Use the Vit C cream on my face again. Let the dogs out and put them away in the garage before I go downstairs to read and fall asleep around 11. B comes home on his lunch break every day and lets the pups out.
5:00 PM: I'm up. Normal pre-work drill. B says that one of the girls from work wants the couch, so we go to load it up and it's already gone!! Thank goodness. I drop Z off at taekwondo and head to work.
6:30 PM: Boss is still here so we have a good chat which results in me crying in his office. Embarrassing… Drink my Monster and get working.
10:17 PM: Another decent evening. I didn't bring any leftovers so I raid the kitchen and make myself a taco salad with lettuce, black olives, tomatoes, cheese, ground beef and sour cream. Yum.
Daily total: $163.96
Day 5: Wednesday 10/30
2:21 AM: Is there something in the water this week? Busier than last night, but still have plenty of downtime. I decide to stay on Reddit so I'm not tempted to shop for more wedding stuff.
3:29 AM: I hit up Amazon for some dry mouth lozenges for one of my residents. I generally do not make special purchases like this. ($6.78) My coworker mentions she needs a new TV and she's in luck, because B and I have too many now that we live together.
6:30 AM: I drop Z off at daycare without any issues and meet my coworker at my old house. She picks a 43 inch smart TV and I make $125! Head home for my abbreviated morning (night?!) routine: rinse face, vit C cream, brush teeth. My oldest dog is acting crazy so I give her some extra attention. Head to my eyelash appointment at 7:30 ($25 + $5 tip, budgeted above).
8:11 AM: I'm in bed with the cat. No place I'd rather be, it's 21° this morning. Browse Reddit for a while, then read until I fall asleep around 10.
4:00 PM: Same shit, different day. I'm up a little earlier because Z has started going to her dad's on Wednesdays. I work and B has dart league every week. Our save the dates were delivered and I'm so happy with them! I pick Z up at 4:30, hand my monthly check over to daycare and then drive Z to her dad's. Trip takes about 45 minutes total. Today was Z's last day of school for the week, so her stepmom will bring her home sometime in the morning.
5:44 PM: The Humane Society where I adopted my cat is asking for donations of Snuggle Safe heat pads. I order one on Amazon and have it shipped straight to them. ($32.34) I try to send items to them 3-4 times a year. Kiss B goodbye as we both head out the door.
11:00 PM: Holy crap it's been busy. Finally get to sit down and attempt to catch up on my charting, which takes about 30 minutes longer than normal tonight.
Daily total: $39.12
Day 6: Thursday 10/31
12:30 AM: B is done with darts and brings me THE BEST steak cubes at work. I'm starving and still pretty busy so I wolf them down along with as much water as my stomach can hold.
2:39 AM: Finally a breather. I address save the dates and have a major hand cramp when I'm done. I gotta figure out a way to print these for our invitations.
4:03 AM: My FSA reimbursement comes through. I leave it in my checking to cover the daycare payment I just dropped off.
6:30 AM: I'm free!! Best part of my job is the 3 day work weeks. Go home, body shower, brush my teeth and let the dogs out. It's 16° this morning so none of them want to play. Ha. I am also exhausted from not getting my 8 hours of sleep all week, but it's been so hard to wind down after work lately. I cuddle with the dogs for a while and go down to bed to read. B took the day off, and having him in bed with me during the week is strange. I finally fall asleep around 11:30.
4:03 PM: Z comes down in her Elsa costume and demands that I do her eyeliner. She's pumped for trick or treating. I brush my teeth and throw on jeans and a tee shirt.
4:45 PM: Time to head out. We hit a couple businesses and go up to our work where they serve free supper every Halloween. We get hot dogs, chips and a cookie each. Then we walk the neighborhood around my dad's place. We stop at a family friend's house, and she comments on my weight loss. Score! The scale is hard for me to believe since my clothes still fit the same. I sneak a couple swigs of Fireball while we walk because it's 37° and I'm cold. Z ends up with 2 full buckets of candy.
7:00 PM: We're home just in time for Grey's Anatomy! I'm really not enjoying this season but after 14 years of watching this show, it's hard to stop.
8:05 PM: Z gets herself ready for bed and I tuck her in. She's beat. I watch a couple episodes of The Simpsons' Treehouse of Terror marathon.
Daily total: $0
Day 7: Friday 11/1
1:24 AM: Next thing I know, the dogs are barking to go outside. B and I both fell asleep in the living room. I take care of the dogs and make some popcorn before stealing some Kit Kats out of Z's Halloween haul.
3:00 AM: I go downstairs to read as usual, but I'm out by 3:30.
11:36 AM: Y'all, I was tired. 12 total hours of sleep later and I'm feeling much better. The stamps arrived so I finish our save the dates. B goes to get groceries and pick up E, since he has an early out from school today. Z is still laying in bed 🤣
1:30 PM: Z's dance teachers send out emails regarding costume prices. Our total will be $164 this year, and I have plenty in Z's expense account to cover it. They'll charge my card later this month. I spend some time in my bank app categorizing transactions and moving money around. My account rounds up all my transactions to the next dollar and puts that money into my savings account, and $12.14 was moved this week. I sign up for Disney Plus and update my subscriptions expense to $92. Text with my bestie about wedding planning and my work wife about random stuff.
2:10 PM: E is home! B bought about $200 worth of groceries and random house stuff: fancy frozen pizzas, popcorn, cheese, chicken patties, bread, sandwich meat, milk, cereal, tortillas, black olives, onion rings, tater tots, freezer bags, paper plates, Little Debbie snacks, cold medicine for E, deodorant, body wash, a carbon monoxide detector, dog treats, and I don't even know what else. I'll get the next big haul. He also bought razors and tells me the handle on his DSC one broke, so I go online and order a couple replacements since our next box doesn't come for 6 weeks. ($18.49) My no-spend day is shot, so I order vape juice since it's on sale. ($47.57) I'm 4 months cigarette free and didn't include that little detail in my last diary.
2:46 PM: B gets a fire page. It's a possible gas leak so it should be a quick one. They usually just sit around until the gas company shows up. I hang out with the kids and E catches me up on his week.
4:00 PM: B is home. No gas leak, just overly concerned neighbors. E turns on season 2 of Stranger Things and we make the frozen pizzas for supper.
7:00 PM: E requests to play board games. My allergies are acting up so I don't join. I feel guilty but my headache praises me. We tend to get rowdy on game night. It's also a hair wash night but I can't be bothered.
9:35 PM: Tuck Z into bed and she's asleep almost immediately. The rest of us aren't too far behind her. E lets the dogs out and I fill up my water bottle. I'm in bed reading at 10.
Daily total: $66.06
Weekly Total: $493.91 I AM SHOOK
Ending checking account balance: $1421.96
Food + Drink: $6.19
Fun + Entertainment: $100
Home + Health: $18.49
Clothes + Beauty: $50.58
Transport: $28
Gifts + Donations: $79.12
Other (vaping and stamps): $211.53
Lastly, reflect on your diary!
I purposely chose this week because I knew it would be busy. Going to the casino and staying overnight was a rare treat, although that little trip was kinda 'free' since we used the garage sale money. I also don't buy $165 worth of stamps every week. shrug
I opened a Simple account in August and it has changed my life. It automatically creates envelopes for my money so I'm never concerned about paying my monthly/recurring expenses. All these sinking funds and savings goals are new to me and I'm so proud of myself for setting even this small amount aside. I have never earned interest on my money before.
November will be the last month I pay for my old house. I didn't include the expenses because they are already set aside. Breaking the contract for deed was awkward but necessary. I broke down over the summer when I was getting $200 electric bills and it was still 76° in my house, along with my contract holder seemingly stalking me. I'll be moving any extra money first to my CCs then student loans. If I don't muck up, I can be debt free in about 3-4 years. Thankfully, B is totally on board with this. We are also cash-flowing our wedding, aiming for a $5k budget. B covers most of the bills and I pay for most wedding stuff, and it works for us.