Category Archives: Check In!

3 weeks in

Time for a check in! 3 weeks in and I’ve finally gotten over my fear of depleting my savings account. It does me no good to earn $4 a month when we are losing $70 a month to interest charges on credit cards. So… I took my savings down to $3,000 (after much discussion with my husband this is as low as I we are willing to go. So our Emergency Fund is established time to kill some debt!

So far this month we’ve been able to cross off 4 (yes FOUR!) credit cards. It feels amazing and is making this whole process seem much less daunting. I know it will be a while before we are debt free but each step makes me feel reenergized.

So here is where the money has gone as of yesterday:

piechart

 

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One week in

Yesterday officially ended the first week of our modified DR plan. We managed to blow the budget on home repairs – that “Man Store” trip came in at $168 and I forgot that we owed $200 towards our deck – so much for the $50 I had budgeted.

I was feeling motivated yesterday so I paid all the months bills including those that are due at the end of the month. I want to do that from now on so that I can really see what is left in the budget. The good news is that I was able to rearrange some things and paid the car insurance in full (saves us $100!) and because I had previously transferred money to pay down debt I put $1000 towards our next CC on the list. It feels so good!

I am concerned about the food budget though. We have spent $300 of the $400 for the month already. $231 at Costco this weekend :-/ the dog food and disposable diapers were $70 of it. (I don’t know how people use disposables full time, wow! they are expensive!)

I’m feeling good. I’m feeling like this could be worth it… not sure what Hubby is feeling but he isn’t complaining too much so far 🙂

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Friday Check-in

It’s the end of week one. This “budget” stuff is HARD!

This week we spent:
$25 to the college fund
$30 to the water bill
$7.30 at Popeyes (Lunch with co-workers)
$425 to the car payment
$27.40 in gas for my car
$97.80 to the LAST medical bill for baby
$75 to the Capital One CC
$50 to the Best Buy CC

total spent in 3 days – $737.50!

Breakdown of spending month to date:

Breakdown

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