Ugh. It feels like this is just SO SLOW. Of course, didn't help that I had a trip up to Boston this month that cut in to my "snowball"...plus living without a credit card means that I have to come up with cash for expenses that come up like 80k car maintenance (~$500!), termite warranty, heartworm prevention for the dogs, etc.
On the plus side, when I look back to when I started, I've paid off over $11k so far, I've taken the plunge into selling things (still haven't tackled craigslist yet but I did get some $$ for some books, DVDs and games)...and I've got a much more realistic budget going. I think that has been the hardest part for me so far. I didn't realize how reliant I was on using credit to hold me over until the next paycheck, etc. (The sales I have passed up this month alone!) Even though I usually paid off the balance each month, it feels like I am in more control over my spending now. And I'm actually enjoying the challenge of stretching every dollar.
It's going to be slow-going here for the next few months as I'm trying to build up a little more cushion plus have Christmas with all those hidden costs. I've added categories to my budget for every big expense I can think of that could come up - from vet visits to car maintenance to my sweetwater membership so hopefully once January comes, these big expenses will stop sideswiping me and I can really get going.
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2 comments:
i am really challenged by you for doing this. way to go!
and can't wait to hopefully see you this weekend so we can catch up on your trip. maybe you have pictures you can bring?
and we are due for that 80K maintenance on the honda...totally dreading it. :(
I'm proud of you. Keep going. Mom
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