Though I'd love to sock the $500+ bucks to CC2, I'm going to take the advice of Dave Ramsey and everyone here and knock out baby step 1 and fund my emergency fund. Next, I'll be tackling the debt.
In a previous post some of you commented on the wedding fund. I hadn't noticed that the fund was still in my side bar, lol. Honestly, I forgot about this account and haven't added anything to this account since I opened it. I actually had $80.88 in this account and transferred that money to baby step 1. Not sure what happened with the $20. Until the fiancé is onboard with his/our finances there won't be a wedding. New balance for baby step 1 is now at $624.21 😀
I'll still be able to add close to $200 to CC2, so I'm okay with that.
I've decided to remove the salon 💇🏽, $45 , as a line item on my next budget. This is going to be hard because this means that I won't go to the salon except once for the month. My hair is horrible to manage but I'm going to try.
For those of you who follow me, my last post for charitable items were funds that was given to church (God), my tithes. I'm definitely going to continue with that. One, I know it's the right thing to do, two, Dave Ramsey has said it's the right thing to do, lol and three my SA family has also said it's the right thing to do. But seriously, I've always given to church but not my 10%. Our church has a 3:10 challenge. Meaning for three months you donate your 10% to church, any church, or charity for 3 months and if God does not work miracles and bless you, they'll give us our money back. What I like about this challenge, is that they simply encourage us to give and it doesn't have to be to my own church. 3:10 is from Malachi 3:10, in that God says to "test Him" with our tithes, the only scripture in the Bible in that God says to test him. I can say, since I've done this, I've seen a difference in how I feel about my job, I'm no longer worried, tossing and turning at night. And by mid week next week my EF will be funded until I can hit baby 3, to fully fund it. It's strange because now every extra dollar I get, I take 10% off. The fiancé gave me $45 and I took $4.50 off top.
It's a progress but I enjoy telling my money what to do and it not telling me what to do.
Upped Baby Step 1, and I'm excited
November 10th, 2017 at 09:18 pm
November 10th, 2017 at 10:17 pm 1510352227
https://youtu.be/Sr43f28mU0U
November 10th, 2017 at 10:20 pm 1510352421
November 10th, 2017 at 10:45 pm 1510353933
Thanks Bluebird, I'm excited about it.
November 10th, 2017 at 11:03 pm 1510355011
November 11th, 2017 at 12:44 am 1510361048
November 11th, 2017 at 02:25 pm 1510410311
November 11th, 2017 at 03:53 pm 1510415628
November 11th, 2017 at 06:27 pm 1510424848
November 11th, 2017 at 08:58 pm 1510433913
November 11th, 2017 at 10:54 pm 1510440898
Also, one other idea. If you can consolidate your other cards to a zero interest card that also earns points, that might be something to consider as well.
November 12th, 2017 at 03:24 am 1510457057
November 12th, 2017 at 12:38 pm 1510490322
As with crazy lady, I don't think I'll transfer these balances. My debt to income ratio is too high and for me to open a another CC with a $5-8k limit isn't worth it.