Tuesday, August 25, 2009

an update

Baby Step 2 is in full swing. Well, as full as we can get it. We're still in the process of funding my wisdom teeth surgery. That and I made a $56.50 mistake in my checkbook balancing. That wouldn't be a big deal, except that $100 is about all we can squeeze out of our budget after bills and only $50 a month in blow money. I keep reading about people who budget $100-$200 for blow money each month and I laugh to myself. We really are barely are making ends meet. But by golly those ends are meeting!

It's a great feeling to have a working budget and to be able to pay CASH for things like wisdom teeth surgery. And on top of that, we should be getting our dislocation allowance soon (that's another $2500). We're going to use part of it to put up a fence in the backyard so the Little Guy can run around semi-unsupervised in the backyard. The rest we'll throw into our debt snowball, we'll probably knock out one small debt, and then throw the rest on the motorcycle loan. That will free up another $65 a month for the snowball. Hooah!

Once car registration and wisdom teeth surgery are paid for next month, I'll update again with how our budget is doing... Wish us luck.

Monday, August 3, 2009

Yard Sale

We had a yard sale on Saturday and sold a LOT of stuff. We made $440. I am going to pay cash for oral surgery at the end of the month. Someone asked me if dentists office actually take cash anymore, and I thought it would be funny to take the CASH with me to the dentist’s office and PREPAY with CASH before the surgery. I wonder what they would say. Ha ha. I love it.



No, that doesn’t stand for best friends. It stands for BABY EMERGENCY FUND! And it is COMPLETE! This is the first time in our married lives (well, probably our entire lives) that DH and I have had savings of ANY kind. We’re pretty excited. It feels really nice to know that we have a cushion between us and life. When it rains (because it WILL) we have a little umbrella between us and the credit cards.

Speaking of credit cards, DH and I don’t entirely agree on whether or not we should close all of our credit cards after we get out of debt. I am a definite believe in never having a credit card ever again. DH thinks it’s good to have one, just in case. I can’t imagine in what “case” we would need one – although he did bring up some valid points about being out of the country and not being able to use a debit card for things. But I’m pretty sure we can still use our debit card for anything. Anyway, that’s not a bridge we have to cross now, so I guess we’ll just wait and see what happens.