- I somehow totally didn’t factor in Mr. Brickie’s $20 union dues payment.
- I need to go to the mall this weekend and pick up a graduation gift for a friend.
- I paid for school pictures last month and will pay for softball pictures this month.
- At the end of May, Mr. Brickie will need to pay another $20 union dues payment.
There are probably other expenses I haven’t put into the budget. Small things. A once a year $50 hosting payment for this blog. Domain names (I don’t have many).
I always wonder if there’s another thing I’m forgetting. There probably is.
Oh! I should probably let my children buy me something for Mother’s Day. Mr. Brickie and I don’t usually exchange gifts for Christmas and birthdays and Father’s/Mother’s Days. It saves money. The kids, however, want to buy gifts for us and I haven’t been able to figure out a good way to say no. This Christmas my daughters gave me: A pair of slippers, a wall calendar, and a box of Turtles with the turtle on the front that reminds me of Mr. Peanut. I was happy because they were all very thoughtful without being expensive.
I just think if we can keep our extraneous expenses locked down I can pay off $1000 in credit cards by the end of May. Sure, something could come up and Mr. Brickie could make less money or something, but if he does work 40 hour weeks in May, I can do that. If that continued we could actually have our credit card debt paid off by (or during) August. That would put us in a great position for back-to-school shopping. Yes, that’s a best-case scenario but there’s nothing wrong with having a hopeful goal.
Sometimes the hope is all I have to get through the day.
I know $1000/mo. toward debt is really ambitious. But think of it this way…if we’re credit card debt free in August, the car could be paid off by the end of November. (For those of you who might not remember, I have a really high car payment – almost $500/mo. Right now my balance on the loan is $5962(ish) so the normal payment plus $1000/mo. would be enough to pay it off by the end of November.)
To get rid of that car payment would be amazing!
I could open a new savings account and put $500/mo. into that (since I’m used to paying that much a month anyway) into a New Car Fund and just save until we need another car.
Wow. No credit card debt & no car payment?
Our bill list would look like this:
- Auto/Renters Insurance
- Cell Phones
I’m so close. SO close.
The kids were happy with a budget christmas last year. They really were.
It’s official! My goal is to pay off the car by the end of November.
Let’s see if I can rock this out. I’m going to put it on my debt paydown spreadsheet so I won’t forget about my “amazing idea” I just had. Sometimes the ideas run away as fast as I can catch them!
So if you ever wonder why I keep $200/wk. in the checking even though I don’t actually remember a week in which we needed that much money…it’s these unexpected expenses I just don’t think about. I build a little slush into the fund.