Happy New Year!!!

I want to wish everyone a happy new year. We have a plan and it has been implemented already and now we can just pray it goes according to what our goals are. I'll be posting more tomorrow especially our 2012 debt total and goals for the new year...

~PBMFMM

Friday

Well yesterday was payday and I know I've not posted for a while but we had some issues, big issues that needed to be addressed and I'm sure we have spent way too much money. But we will proceed.

I have paid all the bills due this month and now nothing is due until next month. January is our start time for Dave Ramsey my DH is not looking forward to it, but we have to get rid of some of this debt asap as other issues have arisen that require our attention and I don't want debt to be in the way. I know DR does not like you to use your retirement plans to pay off debt but we are seriously thinking about it since we are younger and still have a lot of time to add money to it again. We don't plan on doing anything yet but we have talked about it.

I'm going to try to get back into posting spending so we have an idea of what we are wasting our money on. But I don't think that will happen until after Christmas.

 

~PBMFMM

Saturday Spending

 

$10.00 new remotes for TV (both were broken) they will be delivered 12/16

$23.19 for books

 

~PBMFMM

Friday Spending

Car Payment $230.00
Car Gas $51.00
Christmas Gifts $114.16 & $38.84



~PBMFMM

Today’s spending 12/8/11

Today I paid the Bi-monthly household bills that I usually pay.
Bi-Monthly savings goals $50.00
Bi-Monthly yearly goals $105.00
Debt Payments $586.00
Medical Payment $100.00
Water Bill $246.57
Cable Bill $139.62
Insurance $184.22
Phone Bill $163.62
Cash for envelopes for 2 weeks $620.00 (this is for groceries, gas, blow, allowance, entertainment)
We have our weekly lunch out which was $30.00
Bought Pet food which was $32.39
That's it for Thursday.


~PBMFMM

Spending

Monday I spent $57.00 at Hobby Store using money I had saved up & $50.00 for school lunches for the month for the kids.

Tuesday No Spend since I'm at work

Wednesday No Spend since I'm at work

Thursday I'll be paying bills will update on that day.

2012 Goals

• Pay off DFS-Balance $1552.54 by 11/30/2012
• Go on one weekend camping trip
• Go hiking twice per month
• Track spending first quarter Jan-Mar
• Buy Plane tickets for kids to go to grandparents ~$400.00
• Pay off medical bill $557.52 left by 4/30/2012
• Pay off Citi $1719.99 by 12/31/2012
• Get $1,000.00 into BEF
• $500.00 to camping fund
• $700.00 for Christmas Fund by 12/10/2012

Boy it's been awhile

Well so far here we are just barely keeping our heads above water. Work has been slow for everyone and because of this it's been a rough few months. I really really need to get settled on a 2012 budget AND we need to follow said budget, I do so have a difficult time saying no to anyone.

I'll be redoing our budget because our insurance has changed and I no longer have any idea what my paychecks will be due to this, I might have to wait until January to start figuring out a budget but I think we get paid January 5th so that will help.

We have a week off over Christmas and I'm hoping to redo my budget then and have it ready for January although I'll have to change some numbers since I no longer know what my check is "darn insurance changes."

~PBMFMM