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Archive for August, 2015

Back at it

August 12th, 2015 at 10:03 pm

It was more than time to get back to my old ways, the ones that got me to pay off the last of my "bad" debt and let me grow a decent sized emergency fund.

I have to spent the next two checks knocking out the cc new debt, settling the remainder of the car insurance, paying the registration on the new car and making sure I have at least a month's worth of bills as a back up.

However, once that is done I will be back to my system. I hadn't done it in so long it took me a while to reinterpret it.

Good thing I did though I was off about $20 bucks or so on what I should be paying out to my bills and it was nice to set up my whole buckets system again.

Even though I make less than I did before I'm confident that I can get back on track again especially since this job is one that is suppose to be ongoing. (I say it that way because I don't like to take things for granted.)

It's nice to be saving toward a car too instead of worrying about a payment. I'm going to do my best so I can save enough to get a nice safe car next time with no car payment. Smile

Re-prioritizing goals

August 8th, 2015 at 11:05 pm

Well I decided to take in my faithful old stead. She was paid off, the warranty was about to expire, and she was near 100k (which affects trade in value).

She had been creaking and making me worry so (not to mention all the recalls I had been though) when my husband told me about a great deal they had on the lot due to a hail storm I decided to go for it.

I kow have 2 years to figure out what I want to do about a car so the plan is to save what would have been my payment on had I purchased this car and see where that gets me.

Things are evening out a bit so that's good. I'd still like to pay my old medical bill but it will have to put aside for now as a lot of money has crept back on to the credit cards again. They will be paid off at the top of September in the mean time I have put my check register in my wallet and keeping my receipts so that I can note if I've charged anything to my cards and keep track of the money I have left. I have to tighten the belt if I expect to pull off feats such as getting a house and saving my car payment.

I have been kinda going willy-nilly for a while there and while it was somewhat nice to be carefree for a bit the reality is I have a lot to accomplish and I need to get it kick started like yesterday.

However I'm so pleased that my emergency fund is almost at a grand again that puts me at ease. And now with a new car that puts me a bit more at ease.

My book habit is calming down a bit more too. I just need to catch up a bit in reading. I have enough books in the house to keep me busy for years to come at this point!

I decided today to re-map out it is what I need to save and what I want to be saving for. Now that I have a steady gig my priorities are slightly different. And with rent going up as it has we are really working to make getting a house a priority it wasn't really a possibility before with my previously iffy job situation.

I still don't take anything as a given though so working on those emergency funds is a numero uno priority for sure!

Its just nice to have a bit more breathing room but more breathing room doesn't mean I get to forget about my personal finance goals! Back to work. Smile