| Start | 31-Mar | ||
| Sallie Mae | 12762 | 12304 | |
| Wells Fargo | 11700 | 11051 | |
| Campus Loan | 8250 | 7655 | |
| Chase 2 | 2300 | 1700 | |
| Credit Union Card | 700 | 739 | |
| BOA | 9300 | 8925 | |
| BOA 2 | 1833 | 2220 | |
| Car Loan | 7875 | 5880 | |
| Chase 3 | 1710 | 0 | |
| Chase | 2353 | 0 | |
| Car Loan 2 | 2090 | 0 | |
| Target | 149 | 0 | |
| DH School | 376 | 0 | |
| Capital One | 376 | 0 | |
| 61774 | 50474 | ||
Tuesday, March 30, 2010
Final Update for March
We are now at $11,300 paid off. Next month, our debt will be under $50K. FINALLY!
Sunday, March 28, 2010
State Refund is FINALLY on the way
I have been checking the status of my refund check daily, and it has finally been written. I also get paid from one job on 3/31, so let's see what I will do with our money. I have to pay our federal taxes out of this, so that needs to be considered.
Payroll:630
Refund:403
Total:1033
Fed.Taxes-193
Savings-140
Living Expenses-400
Debt Payment-300
Finally, those pesky federal taxes will be done with, and I have $300 extra to send to Chase. Yay!
Payroll:630
Refund:403
Total:1033
Fed.Taxes-193
Savings-140
Living Expenses-400
Debt Payment-300
Finally, those pesky federal taxes will be done with, and I have $300 extra to send to Chase. Yay!
Friday, March 26, 2010
To Do By Dates
This is how I want the rest of the year to go. I think it is attainable. We are still waiting on our state refund, and DH will have two extra checks this year. Right there, that is $2400ish to throw towards something. We just need to stay focused. I set up the Fall Fun account because we do so many expensive things in the fall-a pumpkin patch, the county fair, a haunted house, Halloween decorating and fun. I want to be prepared this year!
May 31st-Have baby account fully funded at $900
June 30th-Chase 2 gone
July 30th-Credit union card gone
August 30th-BOA 2 Gone
September 30th-Have 'Fall Fun' account funded at $250
November 1st-Car Loan Gone
Thanksgiving-Christmas/Holiday Expenses account funded at $1700
December 31st-Have Emergency Fund at $2,000
We got a $350 dental bill the other day for some of the work done on DH's crown/root canal. We thought this would be covered, but apparently some of it was not. I'll have to read over the EOB to make sure everything is correct. I am so proud of my DH though. He was worked 65 hours this week so we could pay the entire bill next paycheck and not effect our debt payments or savings. I feel like he is really on board, maybe even more than me! We have been trying to get our debt payed down since 2007, and this go around is the time that has REALLY stuck. I think DH's enthusiasm this time around is what has made all the difference in the world. He really wants to start trying for a baby this summer, and he is doing his part to make it happen. I certainly appreciate it!
Since August 1st, 2009, we have paid off $11,099, which I think is pretty darn good. By August 1st, 2010, we are on track to have $17,000 paid off or 27.5 percent of our debt. By December 31st, 2010, I would like to have $24,110 paid off. At this point, we would be left with student loans and one BOA card. Not too shabby :)
May 31st-Have baby account fully funded at $900
June 30th-Chase 2 gone
July 30th-Credit union card gone
August 30th-BOA 2 Gone
September 30th-Have 'Fall Fun' account funded at $250
November 1st-Car Loan Gone
Thanksgiving-Christmas/Holiday Expenses account funded at $1700
December 31st-Have Emergency Fund at $2,000
We got a $350 dental bill the other day for some of the work done on DH's crown/root canal. We thought this would be covered, but apparently some of it was not. I'll have to read over the EOB to make sure everything is correct. I am so proud of my DH though. He was worked 65 hours this week so we could pay the entire bill next paycheck and not effect our debt payments or savings. I feel like he is really on board, maybe even more than me! We have been trying to get our debt payed down since 2007, and this go around is the time that has REALLY stuck. I think DH's enthusiasm this time around is what has made all the difference in the world. He really wants to start trying for a baby this summer, and he is doing his part to make it happen. I certainly appreciate it!
Since August 1st, 2009, we have paid off $11,099, which I think is pretty darn good. By August 1st, 2010, we are on track to have $17,000 paid off or 27.5 percent of our debt. By December 31st, 2010, I would like to have $24,110 paid off. At this point, we would be left with student loans and one BOA card. Not too shabby :)
Wednesday, March 24, 2010
Payday Update
Even though payday isn't until tonight, I have all my payments set up, so I am updating.
This puts our total amount paid off at $11,099. Wow, you would think I would have paid an extra dollar to make it an even $11,100! Chase 3 is now gone. I will continue to use this card for all purchases and pay it off every month because I get stellar rewards for it.
| Start | 12-Mar | ||
| Sallie Mae | 12762 | 12304 | |
| Wells Fargo | 11700 | 11051 | |
| Campus Loan | 8250 | 7655 | |
| Chase 2 | 2300 | 1900 | |
| Chase 3 | 1710 | 0 | |
| Credit Union Card | 700 | 740 | |
| BOA | 9300 | 8925 | |
| BOA 2 | 1833 | 2220 | |
| Car Loan | 7875 | 5880 | |
| Chase | 2353 | 0 | |
| Car Loan 2 | 2090 | 0 | |
| Target | 149 | 0 | |
| DH School | 376 | 0 | |
| Capital One | 376 | 0 | |
| 61774 | 50675 | ||
This puts our total amount paid off at $11,099. Wow, you would think I would have paid an extra dollar to make it an even $11,100! Chase 3 is now gone. I will continue to use this card for all purchases and pay it off every month because I get stellar rewards for it.
Net Worth $-13,595
My net worth is now -$13,595, and I am excited as could be. See, last year this time, my net worth was -$32,100. In December of 2009, my net worth was -$21,800. We are putting money into savings and our 401Ks, as well as paying down our debt. Before you know it, we will have a positive net worth! I am psyched.
Sunday, March 21, 2010
Wants
DH and I were talking last night about some of our wants. While we are dedicated to debt payment, I just like to dream and think about things like this. This list is nothing but pure dreaming. I have NO plans to purchase ANY of this in the next few years.
1. Fishing Boat w/ small beater truck for pulling: This is one of DH's biggest wants, as he loves to fish. I on the other hand just love to be out on the lake. There is nothing more relaxing than curling up beside DH with a nice book while he catches a whale. I also enjoy fishing, but only when I am actually catching something! I have told DH, after we get the debt paid down and get our family started, we WILL start saving for this. Estimated cost:$10,000 for both.
2. New mattress: I pet-sit for a woman who has a sleep number bed, and let me tell you, that thing is HEAVEN! It is like sleeping on clouds. I look forward to pet-sitting just so I can take advantage of her awesome bed. Estimated cost:$1700 for a king size.
3. New granite counter tops for the kitchen: I am in love with the black galaxy granite counter tops. I hate my white, cracked laminate ones. The black would look so good in our red and white kitchen. I'll just have to make-do with seeing the pretty counter tops at Lowes. Estimated cost:$3000
4. New living room furniture: There is a sectional at Rooms to Go that I am in LOVE with. Since our cats tend to be kind of rough on furniture, this is probably one of the last wants we will get. They never claw it when we are around, but I KNOW they are clawing it. Two of our kitties are pretty young, and I expect they are the culprits, but I have never caught them in the act. Estimated cost:$2000
Total estimated cost of wants: $16,700. HA! That's about three credit cards, or a student loan and one credit card. One of these days, maybe. It's nice to dream:)
1. Fishing Boat w/ small beater truck for pulling: This is one of DH's biggest wants, as he loves to fish. I on the other hand just love to be out on the lake. There is nothing more relaxing than curling up beside DH with a nice book while he catches a whale. I also enjoy fishing, but only when I am actually catching something! I have told DH, after we get the debt paid down and get our family started, we WILL start saving for this. Estimated cost:$10,000 for both.
2. New mattress: I pet-sit for a woman who has a sleep number bed, and let me tell you, that thing is HEAVEN! It is like sleeping on clouds. I look forward to pet-sitting just so I can take advantage of her awesome bed. Estimated cost:$1700 for a king size.
3. New granite counter tops for the kitchen: I am in love with the black galaxy granite counter tops. I hate my white, cracked laminate ones. The black would look so good in our red and white kitchen. I'll just have to make-do with seeing the pretty counter tops at Lowes. Estimated cost:$3000
4. New living room furniture: There is a sectional at Rooms to Go that I am in LOVE with. Since our cats tend to be kind of rough on furniture, this is probably one of the last wants we will get. They never claw it when we are around, but I KNOW they are clawing it. Two of our kitties are pretty young, and I expect they are the culprits, but I have never caught them in the act. Estimated cost:$2000
Total estimated cost of wants: $16,700. HA! That's about three credit cards, or a student loan and one credit card. One of these days, maybe. It's nice to dream:)
Saturday, March 20, 2010
My Almost $100 Day today
Today started out innocently enough...DH and I stayed up late watching scary movies on AMC, then woke up today around 1 PM (yes, we like to sleep in late. We are both night owls). DH went and got our lawn mower out, since our grass has grown about 3 inches this week. He tells me we need to get the battery charged, and he needs oil for the mower. We head to Autozone, where they attempt to charge the battery. After an hour, it just isn't happening. Purchase #1: new battery for the lawn mower and oil, $45 total.
Upon leaving Autozone, we head to Dollar General, where I proceed to buy potting soil, bird feed, and insecticide for $10 (purchase number 2). After leaving Dollar General, we head to Lowes, where I wanted to get some cheap flowers for my numerous planters. I am able to find the flowers I need for about $10, which is about what I expected. DH has been wanting a seed spread so he can spread his Weed and Feed he got last week for the yard. The one he wanted was $28. It is one that you can actually push. I found one that was $10, TINY, and hand held, and told him he could get that. He says, Okay! And grabs it. You have to realize, our yard is pretty big. This thing was literally about five inches in size. I had a vision in my head of DH crawling all over our yard for the next week, using this little hand held spreader. I told him to put that silly thing up and get the one he wanted. Lowes/Purchase Number 3-$38. Total for the day was $93.
Strangely enough, I am pretty much okay with every dime spent. Our lawn mower was a gift from my grandma, who passed away in September. I intend for it to last a loooong time. Not knowing a lot about lawnmowers, I didn't even consider it would need new oil and a battery. Apparently, Like cars, lawn mowers have to be maintained. DH can use the seed spreader for years to come, so I am okay with that too.
Our spending for the month is WAY over though. DH thinks we can compensate for it in April and stay within, or even under our $800 goal. I really need to consider everything when setting our monthly budget, so I don't overlook anything, like the multiple birthdays/anniversaries this month.
Dates/Eatout: $140
Groceries/food: $423
Misc.:$216-this was an anniversary gift at $30, a haircut at $16, a car wash at $6, a dress at $17, a birthday gift at $40, lawn/house stuff at $48, lawn mower maintenance at $45, and a birthday gift at $24.
Gas: $100
Total:$879-$179 over monthly goal of $700.
Upon leaving Autozone, we head to Dollar General, where I proceed to buy potting soil, bird feed, and insecticide for $10 (purchase number 2). After leaving Dollar General, we head to Lowes, where I wanted to get some cheap flowers for my numerous planters. I am able to find the flowers I need for about $10, which is about what I expected. DH has been wanting a seed spread so he can spread his Weed and Feed he got last week for the yard. The one he wanted was $28. It is one that you can actually push. I found one that was $10, TINY, and hand held, and told him he could get that. He says, Okay! And grabs it. You have to realize, our yard is pretty big. This thing was literally about five inches in size. I had a vision in my head of DH crawling all over our yard for the next week, using this little hand held spreader. I told him to put that silly thing up and get the one he wanted. Lowes/Purchase Number 3-$38. Total for the day was $93.
Strangely enough, I am pretty much okay with every dime spent. Our lawn mower was a gift from my grandma, who passed away in September. I intend for it to last a loooong time. Not knowing a lot about lawnmowers, I didn't even consider it would need new oil and a battery. Apparently, Like cars, lawn mowers have to be maintained. DH can use the seed spreader for years to come, so I am okay with that too.
Our spending for the month is WAY over though. DH thinks we can compensate for it in April and stay within, or even under our $800 goal. I really need to consider everything when setting our monthly budget, so I don't overlook anything, like the multiple birthdays/anniversaries this month.
Dates/Eatout: $140
Groceries/food: $423
Misc.:$216-this was an anniversary gift at $30, a haircut at $16, a car wash at $6, a dress at $17, a birthday gift at $40, lawn/house stuff at $48, lawn mower maintenance at $45, and a birthday gift at $24.
Gas: $100
Total:$879-$179 over monthly goal of $700.
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