Today’s big conversation in my house was my daughter’s hair.
It’s a light brown and she wants it to be black. She’s been telling me she’s goth for about a year now and black and red are her favorite colors. The black hair request was not a surprise. My feelings about the request went about like this…
- My daughter is going to look like Wednesday Aadams! WooHoo!
- It’s only hair. But wait. Would I be this supportive if she wanted pink or purple hair? Am I only supportive because she’s picking something I think is fantastic on a personal level?
- She has picked a “normal” color “found in nature” … does that make it more acceptable?
- Are my reservations based solely on what other people will think of me being the mom who let her daughter dye her hair?
She had spray-in black hair for Halloween last year and could not stop looking at herself in the mirror. She loved how it looked. So I’m not shocked by her request. This is probably the first time I’ve looked at my situation and my instinctual choice, I feel, goes against the normal grain of society. “No died hair until 13!” my brain screams.
Facebook has been, overall, blissfully supportive and some very respected people agree with me that it’s only hair.
What do you think? Let me know why you think so, please, because that truly helps me make a logical argument in my own brain. Thank you.
On To The Budget!
I have our August budget sketched out. It’s more like a flow chart, because there are a couple things that can be changed if necessary. This month the six-month auto insurance payment needs to be taken care of. I have it set to auto-bill on the credit card so my goal is to pay off enough space on the credit card for the insurance to safely bill. Right now there is $232.83 on the card. I also have to take into consideration the $40 a week that bills onto the iPass toll account.
Here is the current plan for the next five paychecks. I still don’t know how much his check will be next wednesday so when you see ??? listed, it means the amount left over after designated bills are paid. I’m assuming a $750 paycheck because that’s about what he makes now with all the overtime. If overtime stops, that number drops like a rock. With is raise, it could be higher. Stuff isn’t super stable right now and when that happens, you do the best you can with the information you have.
July 30th – Pay past due ComEd ($133.85), past due Nicor ($26.36), and Net10 ($95.00). Leftover to Credit Card (≈$289).
Aug. 6th – Pay minimums on Macys.com, Kohls.com, Walmart.com, and Amazon.com (Total $100). Leftover to Credit Card (≈$450).
Aug. 13th – Car payment ($495.12) and leftover to credit card (≈$50).
Aug. 20th – ComEd & Nicor (Whatever the current bill is, don’t know yet) with leftover to Credit Card.
Aug. 27th – Put aside cash for Net10 ($95) with leftover to credit card ($450).
The entire balance on the credit card is $1020 and this plan has a payoff on the card of about $1439 but then there will be the $461 charge for auto insurance and the $40 a week for iPass and at the end of the month my domain payments and hosting ($14.95) go through. So I’ll end the month with a balance but a small one.
Alternate Bill Payment Option
On August 6th, I could pay off the two lowest-balance credit card balances (Kohls $182.97 & Macys $81.98) which would lower the overall amount that goes toward the big credit card but would eliminate two credit card balances totally. I think it’s just playing with numbers at this point and probably doesn’t matter.
Also, I could switch the payments on Aug 13th and Aug 20th if I need more cash sooner on the credit card for the auto insurance payment.
I absolutely know that my readers who are Dave Ramsey fans are cringing and probably peeking through their fingers at my plans of using credit cards to further my financial goals. I guess we are just going to have to agree to disagree that no matter how poor I have been I have been I have never gotten out of control with credit. I have argued myself that it only takes one mistake to drop into a whirlwind spiral of failure and late fees. I agree.
What Do You Think?
Is it better to pay down the big credit card all at once or knock out the smaller credit cards so there are less cards overall to deal with? This is just an opinion question so if I take your advice and mess something up I certainly won’t blame you. I just trust my readers (I have very smart readers. I’m lucky.) and would love to know your thoughts.
I’ll keep you up to speed on what the new paycheck looks like and how we are paying down debt. Oh, also, you might want to check the sidebar where I have listed all my credit debt. Because financial oversharing is my jam, that’s why!
Oh, hey, also if you know someone you think is on the ball with their budget, feel free to send them over to share their opinion. I’d love to hear it!