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A little bit of everything

April 18th, 2007 at 03:42 pm

This week has been a whirlwind. I can't believe it is already the end of Monday because it feels like I have been running non-stop. Work has been crazy and will only get crazier in the coming weeks. The weather is finally getting nicer so now I have stuff that I need to do outside in the yard and garden. One more thing that I don't have time to do.

Money wise things have been up and down. I did open an ING savings account yesterday. I will be transferring all the "short term" money that we have been saving. You know, those Freedom Account things. Did an initial transfer of $300 and will be sending about $900 more in a few days.

However, when doing my forecasting for the new week or so, I noticed we are going to be short on cash in a hurry. Even if we don't spend ANY unplanned money, we are going to be $100 in the hole come next pay day. Yikes! Oh, how I wish we already had a buffer in place! That would make this a whole lot easier. I have no idea how people can put together a buffer equal to one months expenses in just a couple of months. Oh wait...those people probably don't have to pay $900 per month in daycare expenses. So far I have not been able to put one penny into the buffer. But I have been able to pay back a lot of the money we owe ourselves due to overdraft transfers. I have paid back $700 in 2 months, which means we are only down $1500. Could be a LONG time before we are operating at full capacity again.

I have made a decision about our cell phones, now I just have to get DH to agree. We can pay the same price that we are paying now and get 300 more minutes by dropping from the national plan to the local plan. The local plan includes 45 minutes of roaming for the times when Scott is out of the calling area on business or something. With the extra minutes we should be able to keep from going over as often as we have the last few months. We have spent over $150 in EXTRA minutes. At 0.49 per minute, it really adds up fast.

The car payment processed through this afternoon, which means we have paid off $157 more on the debt. We have now paid off a total of $1442.30 since March 1st to our outstanding consumer debt. I am happy with this progress, but the total is still scary. We are currently paying $861 per month just to pay off debt. I can think of a thousand things I would rather do with that money.

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