The tile of this post should be, “Crap, how do I not mess this up now?” After paying off the car and the rent I’m left with a couple credit cards that need to be tackled and killed off. I have to decide how much to spend per card and which one to pay off first. I am pretty sure I’m going Dave Ramsey style and getting rid of the lowest first (which is the bed we bought on the Macy’s card) and then the second lowest and then throwing everything at the Amazon Visa until all the non-student-loan debt is gone, baby, gone!
I do have a few savings accounts I would like to fill up asap as well. One is the $2250 goal for the “other three months of rent” we pay when the lease renews in November. Another is the auto/renters insurance payment savings account. The third is what I call the “Subscriptions” savings account…it includes the Costco membership, the annual fee for my blog hosting, the domain name payments, and the car registration fees we pay to the state annually.
What I am pretty sure I’m going to do is pay minimums to the savings accounts ($260/mo. into the rent savings gets me where I need to be by November, for example) and then the remainder over and above that will go toward debt.
By the end of the month he will receive a stipend check for training class and he will get one more unemployment payment. Maybe. Work seems like it might come sooner rather than later. He got a call while we were out shopping this week asking him if he could work a job next week Monday. He had to decline because you are not allowed to miss training and it doesn’t count against you as an apprentice to decline work for training. It’s the rules.
But one call means more will come. I hope he’s back to work by the end of the month, that would be fantastic for our finances and our family. This is the time of year we start to really get on each other’s nerves.
I have to tell you though, the better our financial situation looks the less we get on each other’s nerves. FUNNY HOW THAT WORKS, HUH? It’s like being poor and not having enough anything makes you a pile of stress looking for a target and golly if it doesn’t look like Mr. Brickie has a big ol’ target painted right on his chest when that happens.
You know how you hear things and you think it’s b.s. but then when it happens to you suddenly you get it and kind of feel silly for not believing the hundreds of times you’ve seen some universal truth shared online or told to you in person? Yeah, the money causes marital stress thing was a big one for me. I didn’t think being poor was affecting our marriage because we were communicating and getting through it, but man, the difference is huge but not in any kind of way I could explain with words.
We are both so much more relaxed about everything. We haven’t had a fight like The Taco Incident in months. We look back on our money fights and it feels like maybe, just maybe, those are things that are all in the past now.
It would be nice. In the meantime, the optimism alone is worth the risk.
I don’t have a cool calculator showing where we were vs. where we are but it looks a little like this:
|–(where we started)———————————(where we are)———————|
They say that graphics make a blog better. Let me know if the above gripped your soul the way it was supposed to. (wink, wink)