Yay itβs pay day. Today bright and early I was crunching numbers.
For the first time I decided not to pay extra on the mortgage and throw it at the credit card π³. It was tough because I donβt want to lose the habit of paying the extra on the house but I want the CC gone. Extra payment on CC9 is $181, down to $3,495.18.
I socked cash away to all the sinking funds. I looked at my home repair fund and smiled. Itβs $667, for some of you that may seem small but itβs huge for me. I know home ownership can be daunting for some, my sister is a great example. She bought a home last year July, too much home. Her mortgage is $1400, yikes! Her roof started leaking, she got a quote to repair and it was $300, small leak at the time. She didnβt have the $300. Now the leak is getting worst. I donβt want that to happen to me. When I knew I would be closing, I immediately set up a sinking fund and started budgeting for it. Iβve been in my home renting for 8 years prior to purchasing, no major repairs but I know Murphy could decide to visit. Iβm praying that I get two years in without any major repairs.
Iβm also proud of my Christmas and birthday sinking funds. It feels so good to know that this will be my second year that I can pay cash for Christmas and when birthdays, showers etc pop up I can pay cash.
Todayβs spending
$185 HOA
$965.10 Mortgage
$181 CC 9
$65.13 Electric
$187
Savings
$25 EF
$25 Car maintenance
$25 Christmas
$11 Birthdays
$50 Home repairs
$20 vacation/fun
$88.80 HOA
$20 Sorority
ββββββββ-
$264.80 total
Pay day
March 22nd, 2019 at 12:19 pm
March 22nd, 2019 at 01:26 pm 1553261188
March 22nd, 2019 at 02:22 pm 1553264576