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Payday and Savings Progress

March 15th, 2011 at 05:20 pm

Today I got paid. I went in and subracted all the bills out that I know of. I don't know the exact amount my water/sewer bill will be so I just figured out about $40, I left $80 for gas and $100 for the rest of the month for food. I just went shopping and spent $209 so I think we should be set until the end of the month.

As of this paycheck I have:
Car $903.22 (Almost 1K, Yeahhhhh baby)
Emergency Fund $4501.66 (3Mths+)
Mortgage $3503.45 (5.27 Months)
Escrow $2022.48 (6 Months)
House Repair $2001.47 (Deductable for Hail/Peril)
Summer Daycare $4453.85 DONE!!!

My goals for any extra money are:
Finish 12 mth Escrow
Apply Snowball to Mortgage
Finish 12 mth Mortgage
Split three ways Emergency Fund, Car, and House Upgrades

Today is the 15th.....This is the day that BF said he was going to have money available to pay rent since his lease is officially done. I will ask him tonight. I am going to ask, wish he would have handed me the check without me needing to ask BUT oh well.

I am thinking I might apply the first rent check from BF to the mortgage savings since I really really really want to see that at the 6 month level like the escrow account.

I also need to redo my emergency fund numbers. I cancelled my landline. I also reduced my cell phone plan again. Now the bill is only $17 more than if I went pre-paid. I have not gone pre-paid because I think once I am done with deployment I think it will be cheaper than two pre-paid phones. I also basically paying an extra $17 per month because I want to be able to freeze my number while I am deployed and so if I find out that two cell phones on the regaular plan is cheaper than two pre-paid I only have to have one contract for the second line. Another reason I have not gone pre-paid yet is because of the buying of the phone....If I buy a phone it is no cheaper because of the cost of the phone plus the fact with my pre-paid I will have to wastes a half of a month or a full month depending on the date of my deployment and then when I come home for R&R I would have to buy a full month, wasting half a months phone time plus it would be a new number.

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