Yes, I’m Still Here
Ξ January 29th, 2008 | → 1 Comments | ∇ About Me |
It’s been a heck of a weekend. I had a full work schedule on Friday, Saturday, and Sunday. I got in 36 hours for the week.
My son had his thirteenth birthday on Sunday. I told him that I had to work that day and that I couldn’t get out of it. He was OK with that. For his birthday I took him up to the store and let him pick out his own stuff. I had $300 budgeted and spent about $290 all told. Not all of it was for his birthday though.
Even so, we were within budget and he was really happy with what all he got.
I still have a hundred bucks left to last me another week and a half. It’s a bit spooky though, because I’m used to having a bigger buffer in my checking account. Although I still have a half a tank of gas left, and the pantry is still full. I don’t really have much to buy for the rest of the pay period.
But still, having only a hundred bucks to last me is a scary proposition. And that’s when I realize the value of the Full Emergency Fund. It gives me a feeling of peace that I have a thousand bucks that I can fall back on in case anything should happen.
I’ve been doing a lot of thinking about the order that I should pay things off.
I am really starting to hate B of A, and I want to pay them off next. But I don’t think I will. There is another account that I have that is on six months same-as-cash, and the six months is over in mid-February. So I need to get them paid so that I can avoid the interest that will have accrued if I don’t pay them off.
I haven’t written out a complete budget for next payday yet, but I expect that I will pay them off at that time.
Nevertheless, it’s exciting knowing that I am getting things paid, and even though I still have a long road ahead of me, I have a lot of optimism about the whole deal. I can see how the debts will just fall off one by one until they are gone.
I think ntmom4 is right. I will just worry about my credit rating when the time comes. For now I will just keep paying on things one by one until they are gone. There’s less stress that way, because I don’t have to second guess myself.
And that being said, I’m not even all that worried about paying B of A off so fast. I will get to them soon enough, and when I do, I expect I will make short work of them.
And as far as all that food that I bought goes, we are eating better than we ever have, and if it holds out for a whole month (or for 4 weeks, actually) I’ll keep doing it this way. If I have to go back and go food shopping again though, I will work on some other way to do it. But I’ll cross that bridge when I get to it.
