My fiancΓ© said that it was my turn to treat for breakfast, woke up and cooked breakfast π³ . No need to spend $35 eating out. We usually rotate but this debt has to go. When asked if I was really cooking breakfast, I said yep and reminded him that I have over $78,000 in debt and that I'm Dave Ramseying. He didn't say a word, and just smiled. I've learned that I can only do what I can for myself. I'm still going to have the weekly meetings so long as he wants to and ask the recommended questions.
In financial news, I saved $55 by washing and coloring my hair, I did the following with the money saved:
* $5.50 EF
* $4.95 Sinking
* $44.55 CC3
Next I was so excited to start the debt BINGO game, that I couldn't wait to pull this week's number, that was $15. So I paid $15 on CC3.
I know the Total Money Makeover states to stop at a $1000 to the EF but I am so scared that something will happen and I'll be back to the credit cards π³, I want to be able to cash flow everything. I'm only adding to the EF, if I save money like above or come into extra cash. No funds are earmarked for the EF when I create my budget.
The sinking fund I had to create, insurance is due in April and in January my HR certifications are due, I want to have something towards these things.
Went by mom and picked up the pink bows, there was no way I was going to buy any.
Tackling CC3
November 26th, 2017 at 05:58 pm
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With those factors covered, small 'snowflakes' can be rushed to Furniture pay down without getting ahead of yourself. It also lessens the pressure on your Baby Step 1, $ 1000.
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I started the 52 week challenge earlier in the year and stopped, I'm just going to use this money for the items coming up in January. From now until January, a good $60 per pay period plus the $265 would cover the item.
I've updated the side bar.
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