Our bank updated the depositing rules and it looks like *fingers crossed* Mr. Brickie’s check is going to (GASP) clear on Friday.
Available cash the same week he gets the check? I am…..amazed.
Thank you CapitalOne360 for getting your depositing act together. This pleases me greatly because it makes all the budgeting nice in that way a five check month does. Where you can use that fifth check and feel really good about making some progress on…something. Anything.
Since June 1st there was a small raise, an increase in union dues, and – I think – we moved into a new tax bracket? (I don’t actually know how to check that.) All those changes resulted in about $18 more in his check net over a check with the same amount of hours from May.
File that under every little bit helps, right?
We have come up with a new overall budget plan here at Chez Decki where the first check of the month goes to the car payment. That way it’s out of the way first. Neither of us are entirely sure this is a good idea, but at the same time it isn’t a bad idea, so we are going to roll with it until further notice.
Car Pmt: $495.12
Living Expenses: $250 (gas + tolls + groceries)
Surplus: -6.18 (negative sadness!)
So, living expenses get reduced to $243.82 and we go on with our week.
Next week will be a short check due to rain on Monday and being off on Friday for the holiday. Yes, he gets holidays off. No, he doesn’t get paid for them. It should be fine because next week’s bill is the autopay bills + auto insurance ($225 minimum) so maybe we will have a little extra to send to the credit cards finally!
July 1, 2015 Net Worth
I haven’t calculated our net worth in a while. Assets minus liabilities. Easy peasy. Okay. *take a deep breath and hold it* (just kidding, don’t do that, you might pass out)
Total in savings/checking (including rent savings and insurance savings and what’s left of emergency savings): $2000
Plus the value of the cars: $13,000 (kbb.org) & $500 (for parts?)
Minus liabilities (including student loans): $81,500 (yikes!!)
Net Worth: -67,000 (ish)
It’s still better than it was and honestly that’s not the worst number in the world. I mean we won’t be selling the car so it’s not like that car value is liquid but we’re going to be able to get rid of that in not a hundred years.
Also this probably shows why I set the student loans off to the side as the thing to conquer once everything else has been taken care of. Adding it in now just seems silly when in just a couple years Mr. Brickie will be making almost twice as much and as long as I’m careful with the spending and we don’t raise our standard of living by too much we will be able to take care of those student loans in a couple years from start to finish.
I know throwing the numbers together like that is fairly haphazard but I have the exact numbers in a spreadsheet. I just get a little leery about giving to-the-penny numbers too often. I’m not sure why. I don’t think any of you would try to steal my identity but at the same time it would be silly to trust my exact numbers on the Internet, so I try to keep a balance.
Overall Feeling Going into July
Every time I feel myself chomping at the bit to gain traction (“Faster! Faster!” I cry as I whip the already frothing galloping horses into a panic.) I have to remember part of the journey is Mr. Brickie’s as he progresses through his apprenticeship. Our once upon a time totally insurmountable income problem has diminished over time to the point of being not only surmountable but something we occasionally get giddy about. The closer it gets the more actual amazement we feel.
Sure, this was all part of the plan but I still can’t quite believe it’s actually working. Did I think it would work? Yes! Did I also feel like that much confidence was misplaced? Yes! The only way to go was through, however, and so through we all went. It’s overwhelming when I stop to really think about what we have accomplished in the last few years.
But now is not the time to relax and enjoy. Patience and focus are what we need to get through this part of the journey. It won’t be as difficult as the last parts (not by a long shot!) but it will still be rough waters come winter if we don’t store some nuts. Seriously, I love a truly awful mixed metaphor. I’m just trying to say that being complacent now could set us back farther than we would like.
We’re in the “just don’t screw it all up” portion of the program. As long as we don’t make any serious blunders we are totally on track to the middle class. Hell, we might already be there for all I know. We are a dollar-ish below average for construction work right this second, so maybe not. We’re close. We’re so darn close.
I hope you all have a safe and happy Independence Day. (In case I don’t post before then. If I do, I’ll just say it again.)