Whew, this month has been crazy. My motherboard on my laptop got fried, so I lost ALL my budgeting and debt pay down spreadsheets :( I got my new one Tuesday for my birthday, so I am trying to reconstruct everything. Hopefully I will have my Jan. update in a few days put together. My hubby got me the laptop, and I love it! My mom got me a Sony Reader, which is similar to a Kindle, and I am loving it so far. I had a bad night a week or so ago and cleared out a lot of our savings and sent it to Chase. I guess this isn't bad persay, but I was trying to accomplish savings goals and debt paydown goals at the same time. I think I am going to focus more on debt paydown than saving. Here is what I have in mind:
February:Chase 3 card paid off, cruise in May paid off, 150 to EF
March: Chase 2 at 1100, 150 to EF
April: Chase 2 Gone, 150 to EF
May: Chase 1 to 1000, 150 to EF, any extra can be cruise spending money
June: Chase 1 Gone, 150 to EF
July: 1150 to fund baby fund
August: 1000 to beach vacation in mid August, 150 to EF, 200 extra to BOA 2
September: BOA 2 to 1000, 150 to EF
October: BOA 2 Gone, 300 to EF, 300 to Christmas
November: 1500 more for Christmas, 150 to EF
December: 1500 to EF
If we accomplish this, four of our credit cards will be gone.
Our EF will be at $3550, barring an actual emergency
Our baby fund will be funded for start up items and medical expenses
I have lost 6 pounds so far, but kind of went wild for my birthday this week. I am trying to get back on track and stay motivated.
This has just been a rough month. We had a lot of unexpected expenses, one of my jobs has been horrid, and we have had family members hitting us up for money. I have no issue helping someone out who is actually in need, but when you ask us for money, then go to an AC/DC concert the week after we lend you the money and get the expensive seats (the one I would have loved to go to, but did not, so we could help YOU out), I get irked. Really irked.
Saturday, January 30, 2010
Tuesday, January 19, 2010
Ugh
So, the fact that I won't be making a lot of progress on the Chase card this month has just really got me down. It is just bothering me so much. I need to just take a few moments and write this out before I freak out:
*If Chase does not go down one penny, it is okay. The world will not end. Our entire debt plan will not come crashing down because of one bad month. We will get through this month and start plugging away again in February. Even though Chase will not go down this month, we will be putting some money towards our savings goals. Breath.
This literally makes me feel sick to my stomach that we can't pay extra this month. I was hell bent on starting the year off right, but it's okay.
*If Chase does not go down one penny, it is okay. The world will not end. Our entire debt plan will not come crashing down because of one bad month. We will get through this month and start plugging away again in February. Even though Chase will not go down this month, we will be putting some money towards our savings goals. Breath.
This literally makes me feel sick to my stomach that we can't pay extra this month. I was hell bent on starting the year off right, but it's okay.
Wednesday, January 6, 2010
Grrrrrrr
Four unexpected expenses have popped up to the tune of $500 for this month. Another dental bill for DH, an issue with our gas fireplace, and there is a leak in our washer/dryer system. Grr, grrr, GRRRRR! Not the ideal way to start the New Year off. If I can pay anything extra to Chase this month, I will be pleased. I am just irked right now!
Sunday, January 3, 2010
Happy 2010!
A fresh new year is upon us! I am currently working on
-Getting things for school submitted. Apparently, none of the schools I need transcripts from are back in session from winter break.
-Baby Fund-With the exception of my emergency fund, I am going to snowball my savings accounts till I have my goal amount in there. The baby fund has 450, so $750 more to go to get the goal amount of $1200. Next will be vacations 2010, followed by Christmas.
-DH Crown-have $315, other $315 will come from my Jan.15th paycheck. After the procedure is done, I will be getting reimbursed for $500 from my FSA, so I will have $500 to put towards debt or a savings goal.
-Chase 3-It is currently at $1335. I want to have it at $835 by Jan.31st if at all possible. Not sure if this will be possible because January is bringing a lot of irregular expenses. $187 to fill the propane tank, my birthday, and a dental bill are all working against me.
Had a wonderful new year with DH. We went out to eat and to a comedy club, then came home to watch the ball drop.
I played a little bit with our taxes today, and it looks like we will owe about $400 on our federal taxes and get back about $400 on our states taxes. I strive to get back nothing or even owe a little, so we have the full use of our money during the year. DH's mom makes me sooooo mad. She encourages him to claim 0 exemptions so he will get back a huge tax refund. Um hello?!! This is the dumbest thing I have ever heard. We can be putting that money to good use now. I have no desire to give the government a zero percent loan!
-Getting things for school submitted. Apparently, none of the schools I need transcripts from are back in session from winter break.
-Baby Fund-With the exception of my emergency fund, I am going to snowball my savings accounts till I have my goal amount in there. The baby fund has 450, so $750 more to go to get the goal amount of $1200. Next will be vacations 2010, followed by Christmas.
-DH Crown-have $315, other $315 will come from my Jan.15th paycheck. After the procedure is done, I will be getting reimbursed for $500 from my FSA, so I will have $500 to put towards debt or a savings goal.
-Chase 3-It is currently at $1335. I want to have it at $835 by Jan.31st if at all possible. Not sure if this will be possible because January is bringing a lot of irregular expenses. $187 to fill the propane tank, my birthday, and a dental bill are all working against me.
Had a wonderful new year with DH. We went out to eat and to a comedy club, then came home to watch the ball drop.
I played a little bit with our taxes today, and it looks like we will owe about $400 on our federal taxes and get back about $400 on our states taxes. I strive to get back nothing or even owe a little, so we have the full use of our money during the year. DH's mom makes me sooooo mad. She encourages him to claim 0 exemptions so he will get back a huge tax refund. Um hello?!! This is the dumbest thing I have ever heard. We can be putting that money to good use now. I have no desire to give the government a zero percent loan!
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