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Paid It Off!

December 10th, 2015 at 09:00 pm

I forgot the best news when I updated yesterday!

It took forever, but I had to wait to hear from the lawyer - I used the "joint savings" (which was only joint because I put away money from the joint account, as the man person never saved. Ever) to pay off almost ALL of the "joint debt" (this was definitely JOINT).

I paid off two medical accounts, a store credit card, and about 4000 towards the Discover. It still carries a balance, as I use it instead of my debit card and then pay off whatever I've put on it, plus whatever else I can towards it. BUT, the balance was pretty much cut in half, AND I won't have any other monthly payments going towards the other two.

I'm really thrilled by this, and I am hoping to be able to pay off the Discover completely within the next year and a half.

I'm not sure how long it will take, as with my current job situation, I'm trying to put aside money for the summer months, when I won't be able to sub or temporary teach. I'm not quite sure WHAT I'll do, as childcare for kid for all day for a full time minimum wage job would be astronomical - but not working means no income at all except for the proofreading secondary job, and that's even more terrifying!

Regardless! Things are PAID OFF!

One Bite at a Time

May 22nd, 2015 at 03:59 pm

The husband cancelled our couples counseling appointment yesterday, and when I told him I was upset and wasn't interested in talking to him at the time, he said he has the right to be upset and take some time too.

Whatever that means.

But, he did actually reschedule the appointment for June 9th, so at least he took it seriously when I told him it was up to him now.

I'm still working on cutting costs - I decided to reschedule the cleaners for every other week instead of weekly, which does save about $130 per month.

I didn't cancel my uppercase box subscription entirely, but I did take it down to the next level, which is only about $7 difference a month, but still!

I also cancelled the kiddo's subscription to Kidstir, which is a cooking box. It's a lot of fun, but he's barely touched the last two boxes, so I put it on hold until we've got a little more wiggle room and he shows an interest in starting it again. So that's about $25, I think - I'm too lazy to check right now.

Adding up those changes plus the ones I cut before brings the amount per month that I am going to be able to reallocate to $443 per month!

Which leads us to...

I did give in last night and order a new laptop, which was desperately needed. I waited until Dell posted their Memorial Day sales, and only spent $400, which I think is fair. I had the money in my personal savings account, but I put it on the Discover because they were offering an extra cash back if I paid with my card.

So, $443 less going out plus $400 for a new computer leads to no increased money out of pocket - technically, I think.

I'm planning on putting at least another hundred towards the Discover every month and the rest in savings. Because even though I might be blase about currently not being set up for a job next year doesn't mean the idea doesnt occasionally strike terror into my heart.

Just writing down some changes..

May 15th, 2015 at 06:54 pm

I'm skipping any and all talk of brandus right now, as he has given me a headache with his inability to get off his pity pony and deal with his mess.

So, instead! Budget!

I cancelled one of my subscription boxes, Homegrown Collective, as I'd signed up for a 6 month subscription two months ago but the two boxes I've gotten so far don't thrill me to pieces, so that's $156 I'll get back.

I have another subscription box that I will most likely cancel - Uppercase, which sends out a personally selected YA novel each month, which i ADORE. But, I have about 17 library books gathering dust at home that I haven't read yet, and it would put $32 in the wallet every month.

The husband cancelled cable, leaving me internet, which is what I use anyway, and phone. So that will go from $200 or so (I KNOW, I don't want to talk about it), to $65, saving $135 every month.

He didn't end up cancelling the cleaners, and I'm torn on that. On the one hand, it would save $90 a week, but on the other hand, if we don't have cleaners, things like mopping and vacuuming will NEVER EVER HAPPEN. I'm pretty good at keeping up with dishes and laundry, but anything else - especially while working full time - ain't gonna happen.

Cancelling the dairy delivery is something like $30 a week, but we haven't had that long so I'm not going to count it at the moment.

So!

Cancelling and downgrading those things is going to wind up saving $206 per month, which is a pretty good chunk that can go towards the only cc that carries a balance (Discover - $8034), or, in the savings account, as my classroom is closing at the end of the this year and I don't have a job secured for next year. But that's a story I'll get into later.

ETA: I totally forgot to add in the return of the rented violins! I'm returning them after work today, and they are $37.40 each, so that's an additional $75, bringing the total of money no longer going out up to $281!