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Follow Up + Store + OT + New Sinking Funds

June 11th, 2018 at 02:55 pm

DD had her follow up this morning with the surgeon. I thought I was going to have to pay a $55 co-pay, but it was actually considered part of the cost of the surgery, so I didn't. Everything is healing well and DD is on track. He thinks the reason her body sent her to the ER the last time was that she was trying to do too much too soon.

I agree. I've made her stay in bed or in her computer chair for the most part in the last week and she hasn't had a return of those symptoms. If she wants to get up to talk to someone elsewhere then she has to sit down while talking and not just stand there. After another week has passed then she can start doing a little more. She's a bad rester, so I am having to be pretty strict about it.

She does get to walk the length of the house a couple of times a day for circulation, though. She's bored so I gave her my TBBT dvd's to watch. If she makes her way through the 10 seasons I have then I'll start her on Buffy, Angel, Charmed, Roswell, Lost, Farscape, or Fringe.

I did go to the store and pick up the oranges I forgot to buy on Friday and also some cherries that I impulse bought, but they were gorgeous. I bought less oranges so I could have the cherries, too. I still have enough money left to buy some Kerrygold butter, which DH will have to pick up on his way home from work since he goes right by Costco.

I had DH run the numbers for me and with the amount of overtime he worked last week, this week's paycheck will have an additional $590.83 give or take a penny. Most of that will go to the Monster Mom Loan, but I am going to put $100 of it aside to start funding a laptop fund. DH's laptop is giving him trouble and I'd like to have the money in place to replace it before it gives up the ghost. While we can do 18 months same as cash, that is still a debt and we don't want to do it that way anymore.

I'd also like to start funding a clothing envelope. DH needs new socks pretty soon. DS will need sweat pants in the fall and he still needs one more pair of regular pants then as well, since he only has 2 pairs of pants now and 1 pair of jeans that he doesn't like to wear. He's never been a jeans kid. So I will try to fund that up to $300 while DH has overtime available. I think I'll do $50 a week for that until it is funded, then switch to $50 a month.

I am considering whether or not I should try to start a Christmas Fund or not. While we have been paying back debt, Christmas has always been pretty limited, but I'm not sure I want to try to cash flow it at Christmas time or not. Maybe when I get the clothing fund funded I can switch to Christmas. I just really want to throw the majority of this at debt and get the Monster Mom Loan paid down as far as we can.

If DH gets 10 hours of OT a week through August we should be able to pay back $7000. If he gets the max, 15 hours a week, it'll be quite a bit more. I don't know if overtime will be available after that or not, but I certainly hope so. For example, if he has it through December we could pay off an additional $10,000, which would make our progress astronomical, cutting the debt almost in half. But there are no guarantees that it will last past August.

It really depends on which projects he ends up working on. Some have OT built into their budgets and others do not. Holiday weeks can throw things off as well. He will have enough paid time off to take off Independence Day, Labor Day, Thanksgiving, Christmas, and New Year's, but how that would affect overtime I'm not sure. He will likely just work on the 4th and Labor Day, though. We never do anything on those days, and the only thing we do at night on the 4th is take our chairs to the end of the driveway at 10:30 and watch the Blast Over the Bay fireworks show. We're still in bed by midnight.

So I guess I have two plans in place, one with OT and one without OT. And we'll just have to see how it all goes.

1 Responses to “Follow Up + Store + OT + New Sinking Funds”

  1. rob62521 Says:

    Hope DH can get the OT. I'm sure it would make things a little better for you all.

    Glad DD is better too!

    We have always had a Christmas Club account and it seems to keep us on track for not overspending. Some years were lean and some are not, depending on what we could put in.

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