Hello All,
This has been an odd week to say the least. I have not worked since Monday because of the weather. I live in central Alabama and we are in a crisis mode because of snow. I know it is nothing for folks who live up north but this is a nightmare for us. We don't know how to drive in this ice and snow. However, since I am home I have finalized my February budget down to the penny. I am so excited!
I opened a Capital One 360 savings account with the goal to save $1K. I found a chart using pintrest on a way to save $1000 during the year. I thought this looked like a good plan. I set up atomic payments that match my paycheck for the entire year. I am pretty excited about that.
I am still working on the goal to pay off that stinking credit card. I have taken advice of others and have shopped around for another card. I think I found one that will work for me. It will have 0 interest for 14 months. I have been approved just waiting on the paperwork to see how much of the balance I can transfer. My goal is still to have it paid off by he end of the year. Looking forward to a February with a new budget. My goal is to see if I can come under budget. Have a great rest of the week!
A strange week
January 29th, 2014 at 03:29 pm
January 29th, 2014 at 03:40 pm 1391010032
January 29th, 2014 at 04:17 pm 1391012225
January 29th, 2014 at 05:43 pm 1391017397
Everyone knows how to be careful and drive slow, and everyone gets around just fine even on ice, except for some of the older folks. No big deal here.
But when I drove through a blizzard a couple years ago farther south you would have thought it was the apocalypse. Abandoned cars, frozen gas pumps, wrecks everywhere. The area did not even have a snow plow so it was literal chaos. It was so strange, and kind of humorous.
January 29th, 2014 at 05:52 pm 1391017924
Good on you for your decision to take control and pay down a large credit card. Getting rid of 13% interest is a major step. Before carrying out a transfer, it's important to understand details. Is there a fee for the transfer? What] parameter? What happens if you add more charges?
Awareness of spending is so important. Getting grocery spending , a meatless meal, a leftover/plan-over, fish, a Sunday roasted meat or something very ethnic each week.
You might find it most efficient to check out what's already on hand in pantry/cabinet, fridge, freezer and deep freeze if available. Jot likely entrees in one column, items needed to complete in column #2. What part of meals would DDs be willing to help/learn? BTW, bribery works wonderfully with teens.
We started by identifying money 'leakage.' small sums when added up over a month was a startling amount. It was a horrid task to write down every dollar spent whether cash or CC for everyone for an entire month. It was a surprise to find out we were all buying so much on impulse. Saw it - bought it, often didn't like it!
Just a few, easy to adjust to changes made a really huge difference to our finances. Looking forward to cheer your every step in your journey getting the CC paid down,
January 29th, 2014 at 05:56 pm 1391018195
January 29th, 2014 at 07:44 pm 1391024677
I hope you'll consider some sort of menu plan that meets your needs and your family will help prepare
January 30th, 2014 at 03:40 pm 1391096414