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Long time gone

May 1st, 2007 at 10:12 pm

Man, it has been forever since I had a chance to post. Last week was just INSANELY busy at work. I had very little time to even think straight, much less fill you in on anything. Then, the weekend was gorgeous so we spent most of it cleaning, working outside and spending time as a family.

Today I am suffering from the weekend spending hangover. Spent WAY too much money and I feel like I lost all my control. The worst part....I am the one who spent all the money. There were trips to Target, grocery store and the craft store that together totaled over $200. My available flexible cash for 2 weeks was $50. See the problem? I am going to have to take another loan from the savings account to cover the expenses. Makes me want to cry. I am going to look at my purchases tonight and make the decision on whether any of it can be returned. The groceries were something that we needed, but most of the craft store purchases were wants, not needs. All of the stuff from Target was household stuff that we needed, but we could have probably gone without for a while.

Well, last weekend my OAMC session went fabulously. We put together 17 meals EACH so that should take us most of the way through the month without having to grocery shop, besides bread, milk and eggs. We spent about 6.5 hours between the shopping and the assembly, which is pretty good for that many meals, I think. Last time I did it alone it took me almost twice that.

We have been eating a lot of PB&J for lunches and have managed to only eat out a handful of times in April. I am going to try to do a better analysis tonight when I import all the final April numbers into YNAB.

I scheduled a big transfer from our credit union to ING this morning. This will affectively move our entire freedom/EF account to the higher interest bearing ING account. If it is just going to sit there until we need it, might as well be earing a better interest rate that 0.75%. I will still be keeping track of it via the old spreadsheet method, but now it is just in a different place. Here is the best news though....I have paid back all of the money that we had borrowed from the freedom account in the form of overdraft protection. We were over $800 short, and I have managed to pay it back in about 3 months. However, we are still $1500 short in the long term savings account, but now I will shift my attention to paying that account back.

That is the long and the short of it. We are still hanging in there, but just barely. The debt is going down, but our daily expenses are not. Have to get them under control or we are doomed to repeat how we got here.

1 Responses to “Long time gone”

  1. homebody Says:

    Listen this is going to happen once in a while. Confession is good for the soul. Look at the good points of your post. The OAMC session sounds great.
    I did that a few times when all the girls were still home and it really helped out the busy cooking schedule for DH.

    So what did you make?

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