Well the good news is I did NOT dip into my efund to have to pay for shore groceries and shore spending cash, the entire week I was there, I spent under $100....so I came home with plenty of cash, and added that to efund.
So after the deposit I make tomorrow my efund will be at $900. Again, I didn't make goal of today, but I am not far off. I never, ever thought even with the extra income, that this would take this long. I am disappointed, however, we have not added to our debt at all, so I should be proud of that.
I put up some of the kids old Halloween costumes on eBay, and now thanks to Hector, I am going to check out Half.com!
I need to really make a firm budget and stick to it. I tend to be incredibly weak when hubs suggests getting take out, or ice cream. Proud though as I have lessened my trips to Walmart spending $100 on silly things, I stick to my lists and get the heck out of there.
Welcome new readers, any suggestions I am open to constructive criticism!
Thursday, August 30, 2007
Friday, August 3, 2007
Goal #2.... Unattained....
While goal #1 has been attained, and sustained...my goal of having my baby emergency fund to $1000 today, sadly, isn't going to happen.
I am keeping positive by reminding myself that we haven't used the credit cards. However, I am still a little bummed. Saving $1000 is harder than I thought. I realized that my budget of $600 a month (gas, groceries, entertainment for a family of 4) that I had just was not reasonable (hence debt...) so I made some tweaks and changes, and therefore wasn't as able to save as aggressively.
However, I was able to pay some to the cards as well (minimum payments count!). The next two weeks are going to be tough as well. I am leaving to go the beach with my family, taking the children, and hubby is staying home to work. Don't feel too bad for him, he doesn't want to go anyway!
However, each person coming is responsible for groceries. I may very well be dipping into my EF money for those, and that BITES! I really can't complain about it, my parents paid my share of the house, since they felt bad that hubby isn't coming, and he is working two jobs that right there saved me $375 that I did not have.
So I am resetting my goal of $1000 savings to August 30th. I can't wait to start combating my debt...... down debt down....good boy!
I am keeping positive by reminding myself that we haven't used the credit cards. However, I am still a little bummed. Saving $1000 is harder than I thought. I realized that my budget of $600 a month (gas, groceries, entertainment for a family of 4) that I had just was not reasonable (hence debt...) so I made some tweaks and changes, and therefore wasn't as able to save as aggressively.
However, I was able to pay some to the cards as well (minimum payments count!). The next two weeks are going to be tough as well. I am leaving to go the beach with my family, taking the children, and hubby is staying home to work. Don't feel too bad for him, he doesn't want to go anyway!
However, each person coming is responsible for groceries. I may very well be dipping into my EF money for those, and that BITES! I really can't complain about it, my parents paid my share of the house, since they felt bad that hubby isn't coming, and he is working two jobs that right there saved me $375 that I did not have.
So I am resetting my goal of $1000 savings to August 30th. I can't wait to start combating my debt...... down debt down....good boy!
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