We are on pre-step But we should be current and BS1 complete by the end of next month
Bs #0 for us too. We should be caught up by the 15th. You're not alone!
Okay, here I go with my budget for Jan.
Charitable Gifts (10%)
Saving 0 (because EF is funded)
First Mortgage 509
Second Mortgage 90
Gas and Oil 120
License and Taxes 26
Life Ins. 47
Christmas Savings 100
Card 1 15
Card 2 115
Card 3 54
Student Loan 146
Med Bill #2 340 Payoff!
Sooo. I know Utilities and Food are both high and could be trimmed. But I'm still making a really good snowball payment this month. I will be talking to DH about getting more gazelle - like reducing our eating out and maybe our cable package.
I feel like I'm really putting myself out there with lots of financial info, but maybe it will be helpful to others who are budgeting.
Way to go Jamie !!!!
Hi All I am here agian I am Sarah mom to 4 kids and wife to a wonderfull Dh that is so on board with getting debt free Westarted the program in Oct and we have the :
1000.00 in emergency fund started also started 401K , got life insurence on both of us , got reid of a Disney Vacation Home and our Cell phones !!!!
We paid off 2 CC (1,000.00) , Medical bill (125.00), My mom (600.00)
Now we have:
Verizon Wireless 175.00 (We canceled our Contract)
Greenbriair appartments 1200.00 (hoping to settel for less)
IRS 750.00 (just found out about this )
DH school Loan 4500.00
DH Car 7000.00
Then we are going to do our 3-6 monthes of Income and then work on paying off the 20% mortgage of 25000.00.
Hope to make lots of prgress in the next few monthes with Dh bonus , school money from GI Bill and also Tax refund !!!!
I need some help everyone ... We brought a new house about 10 month ago and now that its cold out I am noticing that the windows are and doors are letting in TONS of cold air . OUr electric bill was 311.00 with the heat at 65 degress . I cna not put it down any lower as we have a newborn ! And we cna not afford much more on an electric bill . We are having someone come over to look at the doors , windows and instalation in the Attic .
Would you take this out an emergency fund ?
Not do the work and eat the electric cost for this winter ?
Take it out of some of the money you were planning on using to pay off debt (won't see the money for 1-3 weeks ) ?
I do not want to put it on the CC so thats not an option to me ....
Please help what would you do ????
Also, if you can not afford to replace the windows, then I would suggest the plastic you put over your windows inside. DH did this every year before our landlord went insane and bought us new windows a few months ago. It takes time to really get it tight with the hair dryer, but it is well worth it. Only a few dollars at the local hardware shop for a kit.