Monthly Archives: June 2014

Patience

This is something I’m struggling a bit with…. I’m so passionate about this journey but I find that when I get on the week of payday I’m constantly checking my account to see how much I still have left in my checking so that I know exactly to the penny how much I will be able to push into savings…  Budgeting is still moving along well and I all but have my emergency fund back to 1k.  Not bad progress considering at the END of April I was stressing about buying a car and wiping my savings account to $5.00 because that’s the minimum you have in it.

I am hoping to make an extra 1/2 payment on the car.  My goal is to be done in the 8k range down to the 7’s… I have a major life changing event that is going to throw a whole new mix to my whole budget each month upcoming later this summer.  I will be taking my niece to live with me hopefully for a short time but may extend in to a long term situation. The good news is, I have found a bed nightstand and desk for her cost $$000.00 Yup free!  My good friend is moving out of state so gave me furniture her girls would no longer be using..

I will also have some upcoming expenses I will have to incur  to have my niece.  I am going to have move me into my daughters room and the girls in my room in order to accommodate space for everyone until I can have a proper window installed in my basement.  Scary part is cost.  I have an appointment on July 3rd to have a company come and give me a bid. EEKK!  I’m aware that my monthly budget expenses will likely rise a bit as well.  I hope to keep the cost where I’m at but need to brace myself for changes..

So in all the middle of June the weekend before my birthday I’m am excited and proud of where I’m at and how far I’ve come this year.  I officially paid off all my non secure debt, sold my jeep bought a fuel efficient car and am still motivated to continue my journey in becoming debt free!  Who knows maybe perhaps by the Time November comes around to the 1 year date of starting this I too can Yell I’M DEBT FREE!  and be on my way to making double house payments.. 🙂 

ugh

Has it been a whole month already?????  Wowsa time flies when your having fun partying like a senior and moving like a college student oh and vacationing like its summer break!  Oh but wait I haven’t done any of that but I have been busy helping others accomplish the above.. 🙂  My little darling daughter is off with her daddy enjoying a summer vacation.  My other darlings are successfully moved in to their apartment getting settled to start college and so that leaves the graduation, I’m so proud of the them and the party went off with a bang!

Now to the important stuff.  Budget.. How are we doing… Not to bad I’m not negative… BUT I could be doing better so once again I’ve been listening to good ol Dave.. The positive, I have paid down the loan $300 and I almost have my emergency fund funded again.  The negative, I was hoping to have more paid down on my loan but my darling youngest gave our little 4 legged baby ringworm!!! UGH That was a lovely $105 out of the budget.  So now we wait… again….. for the 15th of June to roll around so that I hopefully will have the emergency fund fully funded again… And make a little larger dent in the loan of the car!   Now that I’m seeing progress I’m getting more excited than ever to be free of debt.  I can do this!  Oh yes one last positive I’m now knocking out day 4 of being smoke free!!!! That should add a little more cash to monthly funds to pay the loan off a little quicker 😉   Thanks to Jessie for being my support.

The only other exciting or not so exciting thing is I’m about to crank out another year on my life!  I always try to reflect my world in the month I was born and for this last year I’m pretty sure I’ve come a long way and done a ton of stuff… So for that I’m grateful I just hope this next year is as successful!  Now that the twins will be turning 18 maybe we can get their passports so that they can finally start going on some vacations with me!  🙂 🙂  (Once I’m debt free of course!)