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Bill log

Log of bills paid, for eventual entry into banking app.

2020-02-07

  • CCMC: paid $1,156.87 from Simple/household, confirmation # 3139073792
  • ChV: paid $568.72 from Simple/household, Confirmation number 4530467989
  • SFV: paid $92.14 (minimum) from Simple/household, confirmation # 135-163619-20

2020-02-05

  • Water bill: $99.21 auto-deducted from Fidelity
    • changed to Simple/shared via credit card #
    • when this comes out, verify that there's no surcharge for using a card
  • CarMax: $191.80 scheduled for deduction today
    • Tried to change to Simple, but it complained that the payment would be late... so, do this later.
  • Fidelity checking had $118.87, so transferred $200 from savings to be sure both of the above are covered.
  • Dominion Energy $138.51 - paid Simple shared, Reference number: 036361511520
  • Duke Energy $238.61 - paid Simple shared, Confirmation No. 41063842

credit cards

Didn't make any payments yet
  • CareCredit MC
    • current balance: $5,577.83 (-177.00 credit / overlimit)
    • statement balance: $5,324.59 ($174.00 minimum payment, due 02/14)
    • interest was: $115.08
  • Chase Visa
    • current balance: $3,475.80 ($24.20 credit left)
    • statement balance: ($3,115.80 remaining, $0 minimum payment, would be due 02/07)
  • State Farm Visa
    • current balance: $4279.29 ($220.00 credit left)
    • statement balance: ($92.14 minimum payment due 02/19)

student loans

  • Zander (Navient: login wiki): $220.21 due, paid from Simple/W Confirmation Number 158611143E
    • Simple/W is *0227
    • Simple/Z is *6058 (has now been added -- next time, send Z money and have him do the payment)
  • Benjamin (Nelnet: login wiki): $59.59 due 02/11, paid from Simple/W Confirmation Number: 170746434

2020-01-26

To cover Sheffa on 1/30:
  • Chase Visa: paid $200 from Simple - Confirmation number 4510835855
To cover Molly on 1/28:
  • CareCredit MC: paid $200 from Simple - conf # 4535385457

2020-01-13

To cover Molly on 1/14:
  • Care Credit MC: paid $190 from Simple - conf # 0431601152

2020-01-05

  • PSNC/Dominion: $159.82 - paid Fidelity, Reference number: 005338851520
  • Duke Energy: $238.62 - paid Fidelity, Confirmation No. 40553051
  • State Farm home insurance: $1102.00 - Confirmation: #2X2629NK
  • Chase Visa (due 1/7):
    • Current Balance: $3,137.08
    • Statement Balance: $2,957.08
    • Minimum payment: $67.00
    • paid:
      • Fidelity: (409.05, call it) $410 - Confirmation number 4477207410
      • Simple: none
  • Care Credit MC (due 1/8):
    • Current Balance: $5,289.20
    • Statement Balance: $4,567.72
    • Minimum payment: $155.00
    • paid:
      • Fidelity: (165.73, call it) $170 - confirmation # 5029108533
      • Simple: (365.91, call it) $370 - confirmation # 4629109365
  • State Farm Visa (due 1/19):
    • Current Balance: $4,327.15
    • Statement Balance: $4,327.15
    • Minimum payment: $96.36
    • paid:
      • Fidelity: (51.36, but minimum is 96.36, call it) $100 - confirmation # 135-20787-20
      • Simple: none
  • student loans:
    • Zander (Navient: login wiki): $220.21 doe 1/7 - paid Simple - Confirmation Number 156563762E
    • Benjamin (Nelnet: login wiki): $59.59 due 1/11 - paid Simple - Confirmation Number: 168791855

2019-12-06

  • Navient - paid 220.21 from Simple, conf# 154744135E

2019-12-04

  • State Farm auto -- web site was not showing anything due until I specifically clicked on "car insurance"
    • paid $221.40 - Fidelity - Confirmation: #2W28U8ML
  • PSNC: $108.52 - Fidelity - Reference number: 338337281519
  • Duke Energy: $231.22 - Fidelity - Confirmation No. 40062180
  • Spectrum is paid from CareCredit MC
  • CareCredit MC:
    • credit limit: $5,400.00
    • statement balance: $4,772.60
    • current balance: $5,027.72
    • due: $77.00 by 12/7
    • paid:
      • Fidelity: need $269.60, call it $270 - conf# 0919866003
      • Simple: need $810.11, call it $815 - conf# 1219866405
  • Chase Visa:
    • credit limit: $3,500
    • statement balance: $3,298.03 remaining
    • current balance: $3,489.33
    • due: 156.00 by 12/8 (on statement, but already paid $320 earlier)
    • paid:
      • Fidelity: need $580.45, call it $585 - conf# 4426772674
      • Simple: need $161.96, call it $165 - conf# 4426777133 (scheduled for 12/5)
  • State Farm:
    • credit limit: $4,500.00
    • statement balance: $4,375.79
    • current balance: $4,375.79
    • due: $98.75 by 12/19
    • paid:
      • Fidelity: need $53.75, but minimum is $98.75, call it $100 - conf# 135-1491228-19
      • Simple: (none)

2019-11-20

Paying Chase Visa because I accidentally charged a small eBay purchase to it and want to make sure that goes through, plus Sheffa tomorrow, and right now it's overlimit

Chase Visa
  • credit limit: 3500
  • statement balance: $3,618.03 remaining
  • current balance: $3,618.03
  • paid: ($180+15+118.03, call it 200+120) $320 - Simple - Confirmation number 4404558139

2019-11-06

  • PSNC: $17.59 - Fidelity - Reference number: 310037719519
  • Duke Energy: $284.34 - Fidelity - Confirmation No. 39618530
  • CarMax $191.xx was paid automatically from Fidelity

2019-11-05

Paying credit cards only, because some of those are due soonest:
  • my share of expenses
  • reimbursed amounts
  • minimum on State Farm.
  • ignoring last batch of household expenses
  • Chase Visa
    • credit limit: 3500
    • statement balance: $3,248.31
    • current balance: 3660.27
    • paid:
      • Simple: (167.32 in charges) $170 - Confirmation number 4381917765
      • set up a payment from Fidelity, but was supposed to be for CareCredit: Confirmation number 4381933251 CANCELLED
  • CareCredit MC
    • credit limit: 5400
    • statement balance: $4,317.89
    • current balance: 4,999.17
    • paid:
      • Simple: (212.33 in charges) $215 - conf # 4811650933
      • Fidelity: (409 for S medical) $410 - conf # 4111651050
  • State Farm Visa:
    • credit limit: 4500
    • statement balance: 4422.04
    • current balance: 4422.04
    • paid:
      • Fidelity: (98.47 minimum) $100 - conf # 135-1370161-19

2019-10-24

Chase Visa went over because Sheffa
  • Chase Visa
    • from Fidelity: $110 - Confirmation number 4363521458
      • ok to move this amount from savings temporarily if needed

2019-10-05

There just isn't enough to pay back everything. Have to change paradigms.

  • Chase Visa -
    • from Simple: $276.24 - Confirmation number 4334408176
    • from Fidelity: nothing this month
      • ideally $1327.71
  • State Farm Visa
    • from Simple: $107.50 - conf # 135-1238626-19
    • from Fidelity: nothing this month
      • ideally $881.21
  • CareCredit MC
    • minimum due: $86.00
    • from Simple: $20.00 due, paid $200 - conf # 3702966030
    • from Fidelity: nothing this month
      • ideally $1042.92

2019-10-03

  • Dominion Energy: $10.70 - paid Fidelity - Reference number: 276035431519
  • Duke Energy: $306.35 - paid Fidelity - Confirmation No. 39067620
  • water bill $63.91 - will be auto-paid Fidelity on the 9th
    • manually paid from Fidelity on 9th - Confirmation # 597957438
    • Had to be paid manually because for some reason it was going through S's Fidelity Visa; switched it to e-check
  • CarMax $191.80 - will be auto-paid Fidelity on the 5th
  • Spectrum $44.99 - will be auto-paid CCMC near end-of-month, I think
  • Chase Visa
    • current balance: $3,488.73
    • statement balance: $2864.18, with $2670.20 remaining
  • State Farm Visa
    • current balance: $4,476.07
    • statement balance: $4,476.07
  • CareCredit MC
    • current balance: $3,928.66
    • statement balance: $2,636.46

2019-10-01

Went over limit on Chase (at Costco), so...
  • Chase Visa
    • Paid $190 from Simple Banking - Confirmation number 4327050532

2019-09-12

Went over limit on State Farm, so...
  • State Farm Visa
    • current balance: $4,522.12 ($22.12 over)
    • statement balance: (should be same as 9/4)
    • to pay:
      • 100.00 from Simple - conf # 135-1135333-19
        • (just because Simple has the funds and Fidelity doesn't)

2019-09-04

Utilities:
  • Dominion: $10.70 - paid Fidelity - Reference number: 247053101519
  • Duke Energy: $233.05 - paid Fidelity - Confirmation No. 38582218
  • Spectrum is paid from a credit card
  • water: $158.26 - paid Fidelity - Confirmation # 569678014
  • State Farm auto insurance: $436.79 due 9/20
    • paid $221.39 - Fidelity - Confirmation: #2T2MJ6P4
Credit cards:
  • CareCredit MC
    • current balance: $2,684.56
    • statement balance: $2,339.59
    • to pay:
      • 466.05 from Fidelity - conf # 1193863578
      • 100.00 from Simple, actually paid $300 - conf # 4093865516
  • Chase Visa
    • current balance: $3,673.20
    • statement balance: $2,875.65
    • to pay:
      • 695.34 from Fidelity - Confirmation number 4285476875
      • 186.20 from Simple - actually paid $200 8/5 - Confirmation number 4285479965
  • State Farm Visa
    • current balance: $4,466.17
    • statement balance: $3,785.60
    • to pay:
      • 198.24 from Fidelity - conf # 135-1102792-19

total statement balances: (2,339.59 + 2,875.65 + 3,785.60 = ) 9000.84

Fidelity balance:
  • $1,651.29 (after moving a bunch to savings)
  • -10.70 Dominion
  • -233.05 Duke E.
  • -$191.80 CarMax 9/17
  • -$221.39 auto insurance
  • ======
  • = $994.35
  • We need a total of 1359.63 from Fidelity.
  • Need to move (994.35 - 1359.63 =) 365.28 back just to pay cards
  • Will move back $500 in order to have some margin, leaving $510.45 in savings

2019-08-19 Chase re-do

  • PAID $500 from SHCU Confirmation number 4261791973

2019-08-17 Chase went over

  • Chase Visa
    • current balance: $3,141.37
    • credit limit: $3000
    • expecting at least another $180 on 8/29 (Sheffa)
    • PAID $400 from Simple - Confirmation number 4259216182
      • (2019-08-19) must have accidentally selected "current balance", because it tried to charge Simple $3,141.37; re-did

2019-08-03 (credit cards)

  • Chase Visa
    • current balance: $2,857.67
    • statement balance: $2,394.11
    • interest: $31.33
    • PAID:
      • $391.33 $400 from Fidelity - Confirmation number 4236726655
      • $218.55 $220 from Simple (8/10) - Confirmation number 4236733287
  • State Farm Visa:
    • current balance: $4,464.79
    • statement balance: $4,317.36
    • interest: $51.94
    • PAID:
      • $728.20 $730 from Fidelity - conf # 135-967300-19
  • CareCredit MC:
    • current balance: $2,618.53
    • statement balance: $2,273.54
    • interest: $49.99
    • PAID:
      • $219.42 $500.00 from Fidelity - conf # 2485019121

total statement balances: (2,394.11 + 4,317.36 +2,273.54 = ) 8985.01

Fidelity:
  • 2649.78
  • -312.16 utils
  • -400.00 Chase
  • -730.00 SFVisa =========
  • 1207.62 left for CCMC + monthly budget
  • -300.00 back into savings
  • -500.00 for CCMC =========
  • 407.62 household budget

2019-08-02 (utilities)

  • Dominion (PSNC): $10.70 - paid Fidelity - Reference number: 214030920519
  • Duke Energy: $301.46 - paid Fidelity - Confirmation No. 38077249

2019-07-03

  • Dominion (PSNC): $10.70 - paid Fidelity, Reference number: 184027250519
  • Duke Energy: $259.54 - paid Fidelity, Confirmation No. 37612315
  • CarMax: $191.80 will be paid (presumably from Fidelity) on the 5th
  • Water bill - $56.40 autopay
  • Spectrum - autopay
  • Chase Visa
    • current balance: $3,132.78
    • statement balance: $2,540.28
    • interest: 30.20
    • paid $333 - Fidelity - Confirmation number 4190675274
    • paid $617 - Simple (7/4) - Confirmation number 4190676914
  • State Farm Visa
    • current balance: $4,205.21
    • statement balance: $3,689.16
    • interest: 27.35
    • paid $100 - Fidelity - conf # 135-836494-19
  • CareCredit MC
    • current balance: 2599.11
    • statement balance: 2,554.12
    • interest: none yet; is 27%, so estimate 57.47
    • paid $500 - Fidelity - conf # 5776719440

2019-06-16

Belatedly remembered
  • Lowe's - $387.05 (electric mower) - paid Fidelity - Confirmation #: 1898517827

2019-06-09

  • WWC: $2,379.12
    • for summer class plus ~$60 "convenience fee" for using credit card
    • paid from CareCredit MC at 6/9/2019 4:44:44 PM

2019-06-03

  • CarMax - $191.80 will come out on June 5
  • PSNC - $15.31 - paid from Fidelity - ref #154049711519
  • Duke Energy - $200.02 - paid from Fidelity - conf #37116885
  • water/sewer - "YOU HAVE A CREDIT BALANCE, PLEASE DO NOT SEND PAYMENT."
  • Duke Health: Sandy - $176.60 - paid from Fidelity - Authorization code:412049
  • CareCredit - $98.93 (Dentist charge apparently not processed yet) - paid Fidelity - conf #4868221805
  • State Farm Visa -
    • current balance: $1,505.43
    • statement balance: $1,505.43
    • paid $300 - Fidelity - conf # 135-701506-19
  • Chase Visa -
    • current balance: $2,914.19
    • statement balance: $2,333.43
      • household: 122.6 + 20.65 = 143.25
      • medical: 180 + 180 + 180 = 540
      • web stuff: 5 + 190.65 + 30.11 + 13.65 = 239.41
    • paid -
      • household + medical + 100 = 683.25 - paid from Fidelity - Confirmation number 4143538214
      • web stuff = 239.41 - paid from Simple - Confirmation number 4143546757

Fidelity balance 4,002.60

2019-05-18

  • Spectrum - $ 98.93 - paid from CareCredit - Authorization Number: 01865B
    • ...because they changed the due date
    • Also re-enrolled in auto-pay, which apparently always comes out on the due date (no way to adjust).

2019-05-03

  • Dominion: $51.45 - paid Fidelity, Reference number: 123257057519

2019-04-30

  • Dominion: no bill yet
  • Duke Energy $175.52 - from Fidelity, Confirmation No. 36591852
  • CareCredit
    • current balance $222.77 - from Fidelity, conf # 0358776093
    • statement balance $200.00
  • State Farm Visa
    • Current Balance $1,785.92
    • statement balance $1,785.92
    • charges:
      • $145 vet (household)
      • $18 FBI (w transition)
    • paid $300 from Fidelity, conf # 135-545622-19
  • Chase Visa
    • current balance $2,973.36
    • statement balance $2,569.30
    • charges:
      • $540 Sheffa x 3 (recoupable - household)
      • $44.06 + 23.95 + 13.95 + 13.95 = $95.91 (domreg - W projects)
      • 190.65 DigitalOcean (hosting - W projects)
      • $122.60 Republic (household)
      • $21.38 Vonage (household)
      • $60.93 Asiana (household)
      • $15.28 gas (household)
      • $71.11 China Buffet (household)
      • $40.67 interest (household)
      • some of these were probably counted last month, so I'm just going to pay the total and that will probably pay it down a bit
      • household: 540+122.6+21.38+60.93+15.28+71.11+40.67 = $871.97
      • W projects: 95.91+190.65 = $286.56
    • paid:
      • $900 from Fidelity, Confirmation number 4090974797
      • $290 from Simple, Confirmation number 4090984575

2019-04-25

  • water/sewer (paymentus.com)
    • $61.52 from Fidelity via ACH, Confirmation #474799710
    • $56.69 from Fidelity via ACH, Confirmation #474870292
      • This was "overdue" because apparently it didn't go through, but there was nothing in the subject header of the confirmation to suggest a problem

2019-04-06

  • PSNC $138.71 - paid Fidelity, Reference number: 096360417519
  • Duke Energy $179.16 - paid Fidelity, Confirmation No. 36256025

2019-04-05

  • Chase Visa
    • current balance $3,782.08
    • statement balance $3,214.83
    • new charges:
      • business: 190.65 + 13.95 + 13.95 = 218.55
      • household: 180 + 21.38 + 60.93 + 15.28 + 71.11 + 36.14 + 122.88 + 30.62 + 25.44 + 65 + 180 + 173 = 981.78
    • paid:
      • $1200 from Fidelity, Confirmation number 4056309560
      • $220 from Simple, 4/6, Confirmation number 4056311580
  • CareCredit MC
    • current balance $123.10 - paid from Fidelity, confirmation number 2952755874

2019-04-04

  • State Farm Insurance - $252.48 - paid Fidelity, Confirmation: #2P2Q52CV
  • State Farm Visa - paid $300 (amt spent ~x2) Fidelity, confirmation #135-435286-19
  • Lincoln Community Health Center (via Duke portal) - $188.10 - paid Simple, Authorization code:562144

2019-03-11

  • CareCredit - balance $4,106.61 - paid Fidelity, confirmation # 2545635340

2019-03-08

  • Chase
    • new charges since 3/3: $474.06 - paid Fidelity - Confirmation number 4012569564
      • 3/6 $173.00 - B dentist
      • 3/7 $180.00 - Sheffa
      • 3/8 25.44 - gas (Nissan)
      • 3/8 65.00 - Durham Co-op
      • 3/8 30.62 - Fresh Market

2019-03-06

  • Spectrum $44.99 - paid Fidelity - Authorization Number: 252279

2019-03-03

  • PSNC $172.83 - paid Fidelity - Reference number: 062326922519
    • "...is becoming Dominion Energy"
  • Duke Energy $175.72 - paid Fidelity - Confirmation No. 35688207
  • Chase Visa
    • current balance $3,428.45 - OVER LIMIT
      • new charges for Feb: $190.65 + $16.16 + $13.95 + $180.00 + $39.67 + 190.65 + $16.16 + $13.95
        • household: 180 (S medical) + $39.67 (int) + $122.88
        • dadmoney: $190.65 + $16.16 + $13.95
      • paid $342.53 Fidelity - Confirmation number 4003903589
      • paid $220.76 Simple - conf #4003904693 (scheduled for 3/4)
      • will probably need to pay more in order not to go overlimit again
  • State Farm Visa
    • current balance $1,921.74
    • new charges for Feb: $24.82 (int)
    • paid $44.82 (min) Fidelity - conf #135-288012-19
  • CareCredit MC
    • current balance $4,244.61
    • new charges for Feb: $92.54 (int)
    • paid $138.00 (min) - Fidelity - conf #0643213598
    • planning to pay more (hopefully in full) once car is purchased
  • State Farm other:
    • auto insurance $358.18 - paid Fidelity - Confirmation: #2N2WH8ZM
  • Better World Club
    • 07:58 can't pay now, need credit card number

2019-02-05

  • State Farm Visa
    • current balance = $1,940.93
    • statement balance =
    • minimum due = $44.01 - paid from Simple, conf #135-163050-19
  • Chase Visa
    • current balance = $3,415.79
    • statement balance = $2,821.08 remanining of $3,138.56 total
    • minimum due = $0
    • PAID $360 (anticipated expenses) from Simple, Confirmation number 3963487306
  • CareCredit: paid $500 from Simple, conf #2635527772
  • Spectrum - paid $44.99 from Fidelity (no conf#)

2019-02-02

  • PSNC $190.60 - paid Fidelity - Reference number: 033372038519
  • Duke Energy $267.98 - paid Fidelity - Confirmation No.c35227662
  • CareCredit MS - paid $1000 Fidelity - confirmation number is 0534808416

2019-01-23

  • Chase Visa: paid $300 from Simple, Confirmation number 3945194910; xferring $300 from PayPal to Simple
    • interest: $40.53
    • int rate: 14.24%
    • credit limit: $3500
    • balance: $3,138.56 (statement), $3,332.51 (current)
  • CareCredit:
    • interest: $66/mo (will go up slightly the next billing cycle, after I pay Karl)
    • int rate: 26.99% (this is quite high)
    • credit limit: $5400
    • balance: $3653 (statement), $3955 (current)(edited)
  • State Farm Visa:
    • interest: $24.01
    • int rate: 15.24%
    • credit limit: $2500
    • balance: $1,940.93 (statement/current)

2019-01-22

  • Spectrum (a day late) - $98.73, paid with CareCredit -- Authorization Number: 02200B
    • credit card record shows "55432860R5SG2STD3 TWC*TIME WARNER CABLE 910-763-4638 NC"

2019-01-05

  • PSNC: $189.49 - paid Fidelity, Reference number: 005337192519
  • Duke Energy: $203.95 - paid Fidelity, Confirmation No. 34807602
  • State Farm home insurance: $1174.00 - paid Fidelity, Confirmation: #2M2GC568
  • State Farm Visa:
    • current balance $2,216.92
    • statement balance $2,036.92
    • reinbursable: $244
    • paid $300 - Fidelity - confirmation #135-22780-19
  • Chase Visa:
    • current balance $3,675.15
    • statement balance $3,128.43
    • reimbursable: $360
    • paid $700 - Fidelity -- Confirmation number 3919212109
  • CareCredit MC:
    • current balance $2,910.96
    • statement balance $2,910.96
    • paid $500 - Fidelity - confirmation #5627180809
Fidelity balance:
  • 4,595 (starting)
  • - 190 = 4405
  • - 204 = 4201
  • - 1174 = 3027

Realistically, that's a low figure for our monthly budget, so I don't actually have anything left over to pay with.

In practice, we need to get more from H!mom, and in the meantime I can use PD income to fill in the gap... so let's allocate $1500 to credit cards.
  • State Farm - reimburse = $244 / allocate = $300
  • Chase - reimburse = $360 / allocate = $700 (because it keeps popping over -- e.g. Dr. Byrne probably did that this week)
  • CareCredit - reimburse = $0 / allocate = $500

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