Happy Memorial Day!

Well, I unfortunately do not have an update to post for the end of the month. Blah. However, we should have a stellar update to post Thursday night. Due to overspending from last month, it looks like my paychecks will have to go to living expenses and keeping Chase on the repay cycle. We will use DH's paychecks for bills and debt pay down. Thankfully, DH will be bringing in some awesome paychecks in the coming weeks, so this will help out. Not a whole lot more to report. We have just got to do a better job of keeping this overspending under control.

Sooooo Tired.....

Well, the first trimester has certainly brought extreme fatigue, just like the pregnancy books say! I am sleeping 8-10 hours a night, then taking a 2-3 hour nap in the afternoon. I haven't been doing nearly as much work for my contract job as I normally do, which of course results in a lower pay :( I also haven't felt like cooking, which results in a higher eat out bill. DH has still been working a lot of overtime, so that will help alleviate some of the damage. I can't wait till the first trimester is over, in hopes of getting some energy back!
We have done some serious overspending this month. I mean, really, we stay on budget for our cruise, but when we get home, we spend $190 to get our swimming pool repaired, $134 on a new swing after the storm damaged ours, and an untold, but way too high amount on eating out. I am going to start tracking every penny again in June. We have got to get these budget holes plugged and filled.
Objectives for June:
Add $320 to savings
Keep Chase on repay cycle
Get total debt to $48,071

Pregnant!!!!!

Yay! I am super excited to say that tomorrow, I will be 7 weeks pregnant. We are absolutely thrilled. My doctor's appointment is Monday and we should get to see the little bean on ultrasound. This makes debt paydown and savings all the more important. I have an estimated due date right now of January 7th, so we have a little under 8 months to burn some debt away and build some savings.


Stupid me put the wrong number for how much the balance of my Wells Fargo loan was last month, so my payoff amount this month is extremely low because I had to adjust the balance.

		Start	20-May
Sallie Mae		12762	12156
Wells Fargo		11700	10992
Campus Loan		8250	7526
Chase 2		2300	1450
Credit Union Card		700	709
BOA		9300	8724
BOA 2		1833	2169
Car Loan		7875	5334
Chase 3		1710	0
Chase		2353	0
Car Loan 2		2090	0
Target		149	0
DH School		376	0
Capital One		376	0
		61774	49060

Our total paid off amount is now $12,714. I will have one more payment this month to the Chase card. I would like to pay at least $200, but I am not sure just yet how much I will have. I don't think we'll be able to get the debt down to $48,578 like I had wanted, so that bites. I think $48,900 is realistic, so that is what I am setting the bar at. I have already set up an auto transfer to get our savings at $400.
DH and I had a talk, and we decided that we will start paying down the car quicker than anticipated. The car has the biggest monthly payment and getting that payment gone would be HUGE for us. We will still pay a little extra to the cards, but we would really like to focus on the car as well.

Back to Reality

We got back late last night from our cruise, and it was wonderful. The service on the ship was a little less than stellar, but we had a wonderful time, none the less. Now that I have had a 10 day break from work, as well as budgeting, planning, and such, it is time to get back in the swing of things. While we stayed perfectly within budget on the cruise, we went a little wild the week before we left eating out and buying DH some much needed new clothes.

Here is what I want to get accomplished by May 31st-
*Add $183 more to savings to get the balance at $400.
*Keep Chase on the repay cycle.
*Get debt down to $48,578.
*Pay $50 every paycheck to Capital One till it is at zero. I misplaced my Chase card, so this is the card I used for the overspending pre cruise. I should have this back at zero before the interest hits.