The new hot water tank drained the EF, which made me nervous having nothing and facing a month of crap bills. By my husband sold his laptop to a friend and got $500 for it. Yay! it's going to the EF, but we will have to take $$$ out of there to get our taxes done and if we're short on cc payments (thanks, citi) then we'll have to use some for that.
So I'm noticing a pattern every month. Start of the month, I think we'll be okay. Then there's a giant setback and unexpected expense, like a hot water tank, something breaking, etc. Then I freak out about it and lose sleep, and then magically everything works out, and at the end of the month I think to myself.... "phew, we made it through another month!"
Although I'm glad things work out magically (and by magically, I mean doing whatever I can to get the money and cutting corners wherever possible) and we seem to break even, I want to get ahead, not just break even! Gah!! Ahh well, I guess not using the credit cards at all is getting us ahead a teeny bit.
And Bank of America... you should be ashamed of yourself. http://articles.moneycentral.msn.com/Banking/CreditCardSmarts/IsBankofAmericaBlindsidingCardholders.aspx
woo!
February 8th, 2008 at 06:32 pm
February 8th, 2008 at 08:13 pm 1202501623
I figure every month that i haven't added any debt is a big thing. I'd like to be able to pay down the debt faster, but we've had things chronically pop up month after month (brakes on the car, vet trip $141, etc, etc) but the money is there. That's what the EF is for - I still think of it as "savings" and it isn't!
February 8th, 2008 at 09:14 pm 1202505288
February 9th, 2008 at 06:23 am 1202538205