Saturday, March 29, 2008
Well, the emergency fund was sure nice at $1000 while it lasted. My day took a crappy turn yesterday at lunchtime when my kitchen sink stopped up and all the plunging in the world would not budge it. The last time this happened a couple of years back, it ended up backing up during the night all over the kitchen floor so I wasn't even waiting this time and I called a plumber. He was able to come out at 3:00, got it unstopped, and I paid him $145!!! So the EF is back down to $855, but I have to say that it felt nice to just be able to call the plumber knowing we had the money to pay for it and not having to worry about putting off paying a bill, or not being able to go see Serenity because of it or something.
Friday, March 28, 2008
Urgent care clinic: $46.15 (August 2007)-PAID!
Urgent care clinic: $40.55 (November 2007) PAID!
Dr. Office: $79.20-PAID!
ER Doctor: $93.54-PAID!
Auto parts store: $161.73-PAID!
Second half 2007 real estate taxes: $148.64-PAID!
Credit card #1: $2970
Credit card #2: $1104
Credit card #3: $990
Credit card #4: $899
Credit card #5: $908
Credit card #6: $2509
Car loan: Balance: $2815
My student loan: $12, 913
DH student loan: $53, 248
House: paid $670.12
As of March 28th: $2798.77 in debt paid off!
I took Tasha to the Dr. yesterday. Her ears and throat were infected so she got a shot in the bottom and antibiotics and hopefully will be feeling better soon. She said this morning that she already felt some better. Her visit was pretty expensive with the shot and all. I paid $50 on it and will pay the rest after the insurance does it's thing.
Tonight, we are going to Norman to see Serenity. We will be home sometime tomorrow night and I will try to post then, but if not, I'll "see" you all on Sunday!
Thursday, March 27, 2008
I should have an updated debt list tomorrow with what I've paid this week and what I'll pay tomorrow when the tax refund comes. Now I just have to work up the courage to talk to these credit card companies and try to work something out with them.
Wednesday, March 26, 2008
This Friday, we are going to Norman to see Serenity. It is parent's weekend, plus next Thursday is her 20th birthday!!! I cannot believe I have a child who is going to be 20 years old! We will be taking Serenity out to eat for her birthday while we are there. I've already got Serenity's birthday present ordered and on it's way to her. I got her a set of movies that she wanted (Breakfast Club, 16 Candles, and Weird Science). I also got her a crockpot and cookbook to go with it.
Last night and this morning I went through my January, February, & March receipts and wrote them down for my taxes next year. Now I just have to keep that up through the rest of the year. It took less than an hour total to do those 3 months. If I could keep up through the year, I bet that part of it would take me less than 15 minutes a month, instead of hours and hours at tax time. Plus it's a lot easier to remember what those things I bought at Wal-Mart were soon after I bought them instead of a year later. I spent forever trying to figure out what some stuff from last summer was on a Wal-Mart receipt and whether it was deductible. I've also got my hours worked written down in my calendar up through yesterday, and I've been writing down the utility bills as I pay them. Since I run a business in my home, I am allowed to deduct a portion of those off my taxes. Oh, and I also have the amount paid by the parents totaled for January & February. That will also be much easier if I keep a running total of that through the year. Now if I could just get my housework organized better, my entire life would be almost totally organized! LOL!
Tuesday, March 25, 2008
Our tax refund is scheduled to come this week and so we may be able to get some more stuff paid off and hopefully be able to start tackling some of that bigger stuff. I was looking at our list this morning of what we've paid off and what we still have to go. I realize we have a long ways to go, but I can't express how good it feels to be actually making progress! It looks great to see so many of the bills marked as paid. I actually look forward to doing the budget for April. I've already started it a little bit.
One of the things that Dave mentioned in one of his classes was a lady who enlarged her debt snowball list, and hung it on the refrigerator as a visual reminder. I think I'm going to hang our list up too. It makes me smile to look at it and see the progress we've made.
Monday, March 24, 2008
Last night was the FPU lesson on saving for college and retirement. As for the college savings, it seems that ship has pretty much sailed for us, with Serenity in her second year of college, Josh getting ready to start college, and Natasha a freshman in high school. However, we did qualify for and apply for the OHLAP program on all of them which has helped. With grants and scholarships, I guess they'll muddle through. I can't help but feel a tiny bit guilty about not having saved for their college. The other part of the lesson was about saving for retirement. We have a 401K through Tom's work but of course we have borrowed against it several time, which Dave says is "dumb". The last time we borrowed against it was almost 2 years ago and once that is paid off, we don't plan to ever do it again. I have to just keep reminding myself not to focus on all of our mistakes, and just to focus on what we're doing right.
1. We have the gift account established and have regular deposits going into it so that by Christmas we ought to be way ahead of where we've ever been on that. In the future, we plan to use it as a gift account to buy gifts year round but right now we're trying not to touch it at all so that it can grow until next Christmas.
2. We are still doing good at avoiding Sonic drinks and eating out. I did meet Tom for lunch on Friday since I was off, and it was yummy! Oh and I must confess, I did get Tasha & I lunch at the Peppermint Pad on Thursday and Tom took a friend out to lunch on Thursday. The friend takes him out to eat almost every week and sometimes Tom tries to reciprocate. Sometimes, the friend lets him. LOL. However, even with all the homework I had to do this weekend, we did not eat out once over the weekend. I can tell you that is a huge accomplishment!
3. The emergency fund was up to $350, but I took out $55 to pay the roofer so it's back down to $295. However, I still need to put a part of my REWARD money in there and that will bring it up some more.
4. I am planning our meals and Tom or I are cooking them, even when we don't feel like it.
5. We have all of our regular monthly bills caught up and paid on time this month and we are working on getting some other stuff paid off.
Keep praying for us! It's working!