I always think I am going to have extra money. I always plan for extra money. On paper it sits there pretty and clean. Our budget shows us with extra. The first two paychecks pay the house payment (barely). The second two have approximately a $500.00 leftover. It is never there. I just knew yesterday when checks came in (by the way the college check is not here, surprise, surprise) I would have at least $ 2-300.00 to put in the vacation savings, which sits at $800.00 right now. But when I balanced I was actually $35.00 in the hole. No savings of any kind. Gas has actually gone up here, daughter was home from school for a few days, mostly gas. I haven't sewed as hard because I was just too tired. If I don't produce we use the checking account and then there is no savings.
I always over estimate how fast I will pay off debt. I have plans on paper that show debt pay off strategies. I go to debt snowball calculators. I print off spread sheets. Months later I am still paying a bill that should have been paid off according to my wonderful charts months earlier. It isn't Murphy, I have a Murphy fund and I do use it, but I replace it. I just think that I am a powerful dreamer.
Dream about getting out of debt, dream about saving, the problem is, they are dreams. Reality is much harder.
But I must say, that I did make another payment on the car, all my bills are paid for the month, we have plenty to eat and I am going to plant flowers.
Sis, I just realized Mom is at Kelly's and there is no one to put flowers on the babies graves, I guess I will call the Yules.
Have a great Memorial Day weekend!