I've been thinking about what I want to do for September, since we'll have the extra paycheck.
I've decided to try to get the Emergency Fund to $7300, which would be $1000 from the extra paycheck, $100 for the regular monthly deposit, $40 from the four $10 Thursday deposits, and then scraping up the rest, $115.08, throughout the month. I want to get the January Money Fund to $1500. And I'd like to have at least $500 in the Moving Fund.
The mortgage is at $9965.09, so I'll likely try to get that below $9K as well. I had thought about throwing the whole extra paycheck at the mortgage, but decided I'd rather build up the other funds first. I just feel better with a more substantial EF. Once I get it to $10K I will feel a lot more secure about focusing on other things.
Not 100% sure what we'll do with the OT paycheck at this point, but we'll cross that bridge when we come to it. It would be nice to save the whole thing in the EF, but I don't think that is practical.
On the laptop front, I have $1800 in the laptop fund. We have actually purchased the laptops for the kids using the 18 months same as cash feature and I will be paying it as it goes along, even though I have the money in the bank. I figure I might as well collect the paltry interest. And I can always pay it off free and clear if the need arises. We won't take the full 18 months to pay it off, though.
DH is continuing to baby along his laptop. If it comes time for him to get a new one, I will pay off the kids' right away.
September Goals
August 28th, 2013 at 10:40 pm
August 28th, 2013 at 11:04 pm 1377727494
August 28th, 2013 at 11:06 pm 1377727600
August 29th, 2013 at 01:00 am 1377734421
August 29th, 2013 at 04:39 am 1377747593