Monday, March 30, 2009

Debt Snowball on Hold!

So, we're putting our debt snowball on hold. With the possibility of moving, we're going to need our baby e-fund, and/or any extra money we would put towards the snowball. So... we're waiting to put anything towards it. Once we get moved (hopefully we do), we'll have a big check to write towards a couple debts. I'm hoping it all goes through ok and quickly and that we get some sort of moving package to help us get down there, like maybe they'll come move all our stuff!!

Monday, March 2, 2009


Its payday! Well, was on Friday, so today I get to go and take out all the cash and refill our envelopes, oh how I love that! I feel rich, until I go to the store and spend it :(. But then I remind myself that we have to eat if we want to exist.

I'm also going to take the advise of Kate, go and buy some clippers. They'll pay for themselves after two uses, and this way Phil can get his hair cut a little more often... like he wants. (Every 4-6 weeks not 8). Lets just pray I don't screw it up, or we'll be shaving him bald. But, that could be interesting!! And we'll save a bunch of money!! YAAY! Now if only that would work for me... but I haven't had a hair cut in a ridiculously long time, boy do I need one!

Looks like we're at $429.86 for our debt snowball this month, unless we come across any more cash... my fingers are crossed. We also need to get our taxes done. I need to call Mike and get stuff sent. We should get $2000 and that will speed up the debt snowball a bit! Yay!

Sunday, March 1, 2009

March's Budget

Here's our Budget for March...

As always, suggestions are welcome!! I'm always looking for ways to cut things, and a second set of eyes never hurt anyone.

TAKE HOME: $2960.29 (Yay, it went up, we adjusted for taxes).

Charitable Gifts: $50
Rent: $808
Renters Insurance: $13.08
Water: $53.62
Electricity: $139.60 (yaaay, this went way down!)
Internet Service: $27.45 (Still need to call and cancel)
Grocery: $300
Car Insurance: $77.22 (Still not paying for Phil's, we need to talk to his parents).
Repairs and Tires: $30
Gas and Oil: $50 (We have over $100 left from before, and Phil uses no gas while in Clarskville).
Children's Clothing: $30
Adult Clothing: $0 (We have $40-ish left from last month and neither of us really NEED anything).
Health Insurance: $210.17
Miscellaneous: $10.00
Household: $115.00
ID Theft: $11.67 (We're starting a sinking fund for this, so we can save money by paying yearly instead of monthly).
Hair Care: $14.00 (Cost of haircut plus tip at Great Clips-Phil).
Mops: $10.00 ($5/meeting, twice a month).
Gifts (Incl. Christmas): $20.00 (I don't think we're going to have a big Christmas again this year.)
BLOW Money: $25.00
Pet Supplies: $20.00
Credit Card: $155.00
MOHELA-Anna: $131.18
Direct Loans-Anna: $63.30
MST-Anna: $40 (This is new this month, it was in its grace period until March).
Direct Loans-Phil: $50 (Currently first on debt snowball)
Hospital Bill: $100
Debt Snowball: $405.99 (Extra money we squeezed out of the budget for the Debt Snowball. Whatever random money that we find will also go towards it).