I paid off the last Credit Card. Now I just have to be able to pay the balance in full every month while costume charges are coming in. This should not be a problem, as I have money set aside for costumes, and I put all costume money in a separate account; so it is available for pay off when the bill comes in. I was lumping all the money together last year and then there was never enough let to pay off the charges, but not any more.
This has been so hard but I finally did it. Now I just have to keep my head above water and get through the summer without debt. Our emergency fund is down because of the tires( sore subject and some medical supplies) I have been so engrossed in the card payoff that I was short for prescriptions and so I took from the emergency fund. I know a little impatient, but I have almost enough in my slush fund to refund that account. I also will get reimbursed by the fire department for the Celtic show and that should bring my house payment account back to where I am comfortable.
I AM SO PROUD OF ME!
But I am also so scared. DO you know how many times I have been here and fallen off the wagon?
By the way speaking of wagons JUDY is back and I am so happy. I loved her blog and missed her dreadfully. So it is like a Christmas present.
I am not going to stress about large debt pay off any more until next September. I still have the two notes one on the car and one on the truck (which is x-fer debt for the studio). My pan is to still pay off the truck loan by next Christmas. Right now I have a very expensive major recital to get through and pay for in full. Any money left over and yes there should be a couple thousand I will save and put toward summer bills. I do not have anything saved for our vacation in July and I will need at least $1500 for that. Now the old me would have taken that extra money put it on the truck and then debted all summer. I would have justified it and spent much more foolishly as I would have felt sorry for myself. But now it is slow and steady. I have a many, many smaller debts concerning this show and the studio summer bills. I always under estimate them, but not this year. I will pay the regular truck payment for the next 4 months and then attack it full force next fall. If all goes well I will owe about 14,000.00 on that and I will add anything extra plus the regular payment. It will still be a stretch. A doable stretch.
It is so easy to make plans on paper, that are just not doable. But I am getting better at seeing my folly. Money is so easy to spend.
So my new goal is to fully fund the EFUND again hopefully by the end of the week or the first part of next week. Then the house fund. It just never ends. I really like Carla's blog she seems to be so ahead of the game and then she has to stop regroup and start over. It makes me feel like I am not alone in this world of fluctuating finances.
Out My Window: It is a beautiful day, but alas I am stuck at the machine. Everything is so green. Almost a blinding green.
Thanks for all the support, I cannot do this without you.
Have a great and productive day!