In reviewing the calendar for last year, I started to realize just how much money we spent on non essentials. Now I am not saying these were not worth while expenses, just that they will not occur or I hope they will not occur again this year. We all have emergencies that we cannot avoid and we will all continue to have these. But I just had a whopping amount of money go out of my budget that I wish I could have applied to debt.
January: Christmas bills because I was bad in 2010. I will not have that
problem this year. $2,412.00
Help daughter with school $500.00
February: New grandbaby, cost of travel, gifts, time off work, subs, $1500.00
Purchase loops for daughter for school $600.00
March: travel with the family to see grand baby blessed $700.00
April: Mom has major heart attack, travel, time, work lost, $1500.00
May: Graduation expenses and testing for daughter's license $3000.00
Purchase a new (used car) $2500.00 down payment
June: Youngest graduates, party, gifts, pictures etc. $1000.00
July: Vacation $700.00
Purchase new (used car) for youngest daughter $2500.00 down
Mom comes to visit and gets very sick, supplies $500.00
August: Get daughter ready for school (College) set up apartment and
move her. $2000.00
Daughters new (used car) needs a clutch $750.00
Sept: Trip to sisters $1000.00 (I did not want to go and I will not go again this
October: Mom has another attack (I did not go)
November: Hubby has a medical emergency $700.00
New tires for truck $903.00
December: Bed room flooding has to be fixed, $2400.00
Add these up folks and it is over $24,000.00. See how hard it is to get out of debt? Now some of these things are certainly not necessary expenses. I did not have to go when the grandson was born. But I did. We did not need to take a vacation or go on the girls trip but we did. My mother has had a bad health year, but is this going to get better? Probably not. I do see several expenses that will not likely reoccur this year. We will not need to put down payments on cars. We will not need to set up a college apartment, the truck tires will last for at least 4 years. Hopefully we will not have as many medical problems, but who knows? The bedroom flood was an accident, but we all have those, right?
This is why I started blogging. I work so hard and I feel like I tread water! But it is easy to see why when you list the things that go on here financially. I can say that I have two daughters that are in very good careers and are on their own now. Such a relief. We have the other set up ready to stay for the long haul. (Our oldest stayed in the same apartment all the way through Law School, 7 years) it was pretty ratty when she was done. We will expect the youngest to do this also if we feel it is a good situation. The medical emergencies we just can't avoid that is life.
But here is to a new year without major expenses with cars and kids! That is my one big goal!
Even if we can keep this list down by 1/2 it will be better. But I think that this year will be the year I finally break out! Because it is getting easier and I am getting tougher.
Out My Window: It rained here hard all day yesterday so it is much warmer! But that means it is really snowing some where else.
I have to do a mass mailing today for the studio with some tweaks on the schedule. I hate the time it takes, but that is life. Also have sewing that has to be done and a bride coming over for a fitting. I need to fill the truck with boxes from all the Christmas crap around here and take a run to the dump. Also Judy has inspired me to clean out my closet and linen closet. I think I need to start taking down Christmas.
Have a great and productive day!