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DEC for Today--Plus Payday

April 21st, 2012 at 05:41 am

Today was payday, so I made a payment to the BoA VISA of $1800. It didn't drop the balance much since all of the autopays went through since the last payment, the interest charges hit, and DH bought his next round trip plane ticket. New balance on the account is $6574.60. But we will make another payment next week of $500 (maybe more, I'm hoping to squeeze an extra $200 out of the budget) and all of that will go to make a good drop.

I know I said I was going to use most of the emergency fund to drop the balance, but I haven't brought myself to do it yet. I feel very unsure about it. Maybe I would feel better if I just dropped it to $2000 in the EF instead of $1000. Part of me just gets really insecure when that EF goes down. Which means not getting the BoA paid off until June, but if I worry less, that's a good thing. I know it's stupid to keep paying the interest, but it's a psychological thing. Security is very important to me.

I also spent $5.49 on a gallon of Organic Valley milk. It was on sale for 50 cents off, so that made me happy.

I also set aside $1000 for either cleaning/repairs at the old house, or to give to Mom, since she has been vacillating on weather or not she wants our monthly payment to be on hold or to use it to get the house more ready to put on the market. I think she's worried that the remodel on the bathroom is going to overrun her ability to pay it. She is going to have to make up her mind soon, though, because if it goes to repairs, cleaning, etc., we want to be able to use it when DH comes home next week.

We will be spending an additional $225 on the alarm system (we paid half in deposit at the estimate and will pay the other half next Thursday when all the work is done. I am going to have DH take the really good vacuum out that day and vacuum all the floors at the very least so they'll be ready to be shampooed.

Oh, I paid out 3 weeks worth of allowances to both kids (I was behind, so that was $36.00 and $21.00 respectively). My kids have higher allowances than some here might expect because they do a lot of work with the chickens and ducks as well as household chores. They probably put in five hours a week on poultry care alone.

I also took out DH's monthly allowance and mine, which is $100 each. This is our walking around money and our frittering away money and our don't feel guilty about spending it money and our we don't have to check with each other before spending it money, although DH usually does out of habit, since we've only been drawing an allowance the last little while and we've always discussed any expense over $50. This is the first that we've really been able to not keep such a tight lid on our money and it seems to be a sufficient amount so far.

Okay, I think that covers everything I've done so far. I might have a bit more out of this paycheck, but I need to set up the May budget before I know for sure. I'll do that tomorrow.

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