As promised, I want to update the details of our budget meeting and debt snowball. Probably, our debt snowball will be on pause for a little bit while we get ourselves together, but I will keep everything update as neccessary.
Budget 12/1/13:
Phone bill for November $400 (putting my cashed out sick days onto this immediately, $170)
Car for November $180 (paying this week with my last Nov. paycheck)
Water for November $60 ($30 today, $30 with next bill)
Electric for November $299 ($75 today, $225 with Kyle's first paycheck)
Tires for Kyle $300 (Kyle's first paycheck)
Spark plugs, brakes, oil change for me $100 (Kyle's first paycheck)
Regular expenses:
Electric 70
Water 70
Gas 180
Sewer 20
Auto/Home ins 125
Fuel 200
Life insurance 37
Alarm 37
Internet 75
Hulu 8
Car 180
Gym 25
Host Gator 10
Pets 75
House Supplies 50
Phfa 54
Food 300
Phone 400
-------------------
$1916
We have decided to stop paying the credit cards for now because there's a lot more important things on our plate at the moment... like eating and keeping the lights on. Also, as soon as we are caught up with the phone bill, I'm going to see what I can do about making it cheaper. I may be going back to an inexpensive phone for the moment. You'll notice that our mortgage isn't included in this budget and that is because we are in the process of a short sale. I don't have the energy to talk much more about the house; it has already sucked more life and energy from me than I'd like to admit. You can use google if you are curious about all that a short sale entails. As soon as Kyle gets his first paycheck, we are going to catch up our utilities, take care of some neccessities, (such that I have on my list: new tires for my car, house repairs, get all of our pets to the vet) and then as much as we can is going to go into saving up 3-6 months of rent for our new place in Philly.
Also, here is our debt snowball... We are going to begin working through this, smallest to largest (because we all need wins to keep us going... at the point that we get intense, interest rates don't matter...)
Medical bills:
$60
$60.34
$61.88
$99
$100
$150
$164.25
$395.72
$532
$1000
--------------
$2, 623.19
Credit:
Lindsay $281
HSBC $387
Capitol One $348.70
Belden $469.55
Kyle Best Buy $579.31
Express $590.32
Usaa $600
Capitol One $610
Alana Best Buy $789
Boscov's $798
Lowes $959
Chase $988
Citizens $1900
-----------------------
$9, 299.88
Other:
Car $2600
PHFA $3672.25
-------------------
$6, 272.25
School:
Racc $789
BTI $2755
School $45,000.00
----------------------
$48, 544.00
All Together: $66, 739.32
Paid: $24, 480.07
More to come later with our daily update. Thanks for tuning in!
XO.
Showing posts with label dave ramsey. Show all posts
Showing posts with label dave ramsey. Show all posts
12/3/13
11/27/13
Being intentional about life, purpose, career and plans. What we are doing over the next weeks and year.
I've got a couple of things on my mind this morning.
I keep writing more than I mean to about something I've been encountering lately. I don't want to speak too much negativity, I think I did enough of that yesterday. All I want to say is that I made a conscious decision to be an open book for people. I made that choice to be relate-able and encouraging. There isn't much I edit, purely for the sake of being genuine. To that point, I am on a journey and where my thoughts are poor sometimes, there is usually a subsequent pattern of growth. I'm not going to go into why I'm explaining this but if you didn't understand my vision for this blog and my life, I hope you do now. That is all I have to say about that.
Secondly, and more exciting... I listened to a book called Start: Punch Fear in the Face, Escape Average and Do Work That Matters. JON ACUFF has written more than one book on the topic of finding fulfilling work, so in case you were wondering where I got this 'grande idea' of loving your work, I'll point you in the direction of someone who's done it, even in 'this crazy economy where no one can find jobs!!!!!' While you're at it, check out DAVE RAMSEY, too. They'll rock your ideas about money, careers, purpose, family and financial planning. I digress. Jon Acuff shared an in depth audit that I am going to do about putting an action plan in place to pursue my dreams. The problem I've always had is a) committing to a career and b) figuring out where to start. Now that I got married to writing as a career, I was sort of at a loss about what step to take next. I'm going to be spending the next couple of weeks making a plan. I can't wait to get started.
Thirdly, Kyle and I are moving. Yes. Moving. Back to Philadelphia, hopefully around the spring/summer time. We still have some things to work out but the house is on the market and we are actively working on packing and down-sizing. If you haven't heard it from us yet, this is the official announcement! We are more than excited to be going back to our old community, friends, church and neighborhood. That's not to say I'm not crushed about leaving behind my mom and dad, sister, brother-in-law and niece plus all of the amazing friends I have made here over the last ten years. My comfort, in that respect, is that now instead of making weekend trips to Philly, we will be packing up the car and heading to good ol' Berks county for friendly visits! We just feel that going back to the city will offer some better opportunities for us and a chance to heal and lick our wounds from the last five years. If you've been following along, we've been through some tough stuff. However, we are not giving up, we are re-grouping and moving forward. We are excited, passionate and purposeful about our future.
That is all for now!! XO.
I keep writing more than I mean to about something I've been encountering lately. I don't want to speak too much negativity, I think I did enough of that yesterday. All I want to say is that I made a conscious decision to be an open book for people. I made that choice to be relate-able and encouraging. There isn't much I edit, purely for the sake of being genuine. To that point, I am on a journey and where my thoughts are poor sometimes, there is usually a subsequent pattern of growth. I'm not going to go into why I'm explaining this but if you didn't understand my vision for this blog and my life, I hope you do now. That is all I have to say about that.
Secondly, and more exciting... I listened to a book called Start: Punch Fear in the Face, Escape Average and Do Work That Matters. JON ACUFF has written more than one book on the topic of finding fulfilling work, so in case you were wondering where I got this 'grande idea' of loving your work, I'll point you in the direction of someone who's done it, even in 'this crazy economy where no one can find jobs!!!!!' While you're at it, check out DAVE RAMSEY, too. They'll rock your ideas about money, careers, purpose, family and financial planning. I digress. Jon Acuff shared an in depth audit that I am going to do about putting an action plan in place to pursue my dreams. The problem I've always had is a) committing to a career and b) figuring out where to start. Now that I got married to writing as a career, I was sort of at a loss about what step to take next. I'm going to be spending the next couple of weeks making a plan. I can't wait to get started.
Thirdly, Kyle and I are moving. Yes. Moving. Back to Philadelphia, hopefully around the spring/summer time. We still have some things to work out but the house is on the market and we are actively working on packing and down-sizing. If you haven't heard it from us yet, this is the official announcement! We are more than excited to be going back to our old community, friends, church and neighborhood. That's not to say I'm not crushed about leaving behind my mom and dad, sister, brother-in-law and niece plus all of the amazing friends I have made here over the last ten years. My comfort, in that respect, is that now instead of making weekend trips to Philly, we will be packing up the car and heading to good ol' Berks county for friendly visits! We just feel that going back to the city will offer some better opportunities for us and a chance to heal and lick our wounds from the last five years. If you've been following along, we've been through some tough stuff. However, we are not giving up, we are re-grouping and moving forward. We are excited, passionate and purposeful about our future.
That is all for now!! XO.
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