oh, my. we have done the overdraft thing *so* many times, and it is irritating every single time. I just never account for the "little" expenses, and I always think- oh, this $5 wont' make a big difference. But then they add up- to bank charges.
not sure who asked, but yes, dh and I do weekly financial meetings. we've slacked a bit lately, but we're back on. For us, its just a good base/reality check every week. forces me to balance the books, look at what we have and for dh to tell me what is coming in, since he is self employed and there is nothign regular about his paychecks.
a couple things we've done...
-just applied to put our card with the lowest balance to a no interest card 'til Dec. '05. Hopefully we'll have it paid off by the end of this year though, that's my goal.
- decided not to repair our deck this fall, as deck season is basically over. will save and try to do in spring, and instead put energy toward insulating the attic, getting our bathroom plumbed, and baseboards installed. (FIL is coming to visit and help with house projects- yea!)
- getting my website up and runnign by the end of the month! (fingers crossed)
- continue to lower food bill.
-remind myself that the only way this debt is going to end is by us doing it- there' s no magic out there! funny how this is one of the hardest ones to accept....
So... i have a questions. my dd is 15 mo. and really outgrown most of the toys we have. I can't go out and buy a bunch more, even in used shops, esp. this close to Christmas. what are some inexpensive/homemade toys that she might enjoy? anyone with a toddler have recommendations?
bamboogrrrl.. i envy where you are right now. i want to by double paying my mortgage!