So the new paycheck amount with the FSA money being taken out of it is $105 and some change, but the difference in paycheck amount is $87 and change because more being taken out pretax affected it post tax. That's not bad at all. We did get the FSA debit card thing sorted out. It was because it was Walgreens and they have sell other things, so we had to make sure it was run as a pharmacy purchase. Anyway, I've done up all the bills already since I could see the pending paycheck amount. I have a bit of money to transfer to saving tomorrow, but other than that the bills and budget are done and the yearly budget is done. Here's the where it all went:

$318.63 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
_100.00 Household Envelope
_280.00 Chiropractor
_111.08 Internet (gotta do something about this!)
__36.00 Garbage
_100.00 Car Insurance Fund
_100.00 Gas Money
_100.00 Blow Money (Adults)
_120.00 Allowances (Kids)
1000.00 Monster Mom Loan
------------
3165.71 Total Money Out

I am still exhausted, but DS and I had enough stamina to get dishes done today. We got 4 loads done. Everyone was sick for the past week, even DH, though no one as bad as me. I took it in fits and starts, though. It is the first productive thing I have done, besides make dinner, in a while. Tomorrow I will try to tackle laundry. There are at least 3 loads of towels to fold (DH did manage that much) and I need to put away the pile of clean clothes on my bed. I am done with the prednisone but I never got the energy rush of the previous times. That's a bummer because I have been only getting a few hours of sleep due to it. It would have been better to be productive, but Oh well. I just have 4 days left on the antibiotics. I hope that kicks it.

DD has been off wheat for 6 days now and continues to improve. DS's acne is clearing up. Neither one is having stomach issues at all and DD has not felt the constant nausea she's had for the past couple years, either. Can it really be so simple that this was what made her digest so slowly and painfully and bloat to a rock hard stomach? She doesn't have celiac at all, they tested for it, but obviously she does have an issue with wheat, otherwise stopping it would not have been so positive for her. If this is all it takes to stay out of the ER and stop spending so much of our medical budget on it, that's a miracle in itself.

Speaking of medical, it's weird to start having to spend for it again. We maxed out in July, I think it was, and everything had been free since. I know a few months of DD's physical therapy, which she starts on Wednesday will eat up a large portion of the deductible. Our HSA card is not working as they said it would. They said we could start using it on January 1st, up to the full amount of the yearly draw, but when DH tried to use it for 2 prescriptions, less than $25 total, but it didn't go through. He's going to try to get that sorted out tomorrow. We may just end up submitting everything each month, which will be a pain, but whatever.

Once I see what the exact new amount is of the Friday's paycheck on Thursday (things will change a bit due to the HSA withdrawals), I can complete my 2020 budget template and my January budget. They are pretty much the same, I will just be adjusting a bit. I think it is around $113, but it will also affect that amount of tax taken out, so I've got it roughly, just not perfectly. I prepared that part before Christmas, I think.

Tomorrow I will catch up the Medical Fund savings account by entering it all into the spreadsheet. I've let is slide, just making sure there was a hefty balance on the things we did buy, mostly OTC meds. Nowhere near the balance of nearly $2000 (haven't transferred the other $2000 in there, still in the online account), but now I have to reconcile the account. Which is fine.

DH and I really need to get on the ball to figure out our 25th Wedding Anniversary getaway. I was too tired to look at places, but it's mid-March, so maybe tomorrow. He has done some preliminary looking. All I really know is I want to be near a view of the water.

I also want DH to take me out to dinner for my 50th birthday mid-February. It will be a week after my mother's shoulder surgery so the kids will stay home to take care of her. I want a good ribeye or prime rib, a sweet potato, and either mixed veggies or their salad. Not their broccoli, they don't cook it long enough, and no bread. I don't want to have to cook myself so we will just go to Outback one county over.

I need to try to get myself to the library tomorrow. I haven't had a book since before Christmas, not that I could focus for long, but it has still been driving me crazy. I was so out of focus, I could not even concentrate on a movie plot. Watched a lot of mindless stuff, like Say Yes to the Dress, I Didn't Know I was Pregnant, and Paternity Court on Youtube. Yesterday, I was finally able to switch to documentaries and a movie (action adventure, so straight-forward plot).

$10,500.00 Balance Forward
-_1,500.00 Payment Made
----------------
$_9,000.00 New Balance

If I pay $1500 a month going forward, this will be paid off in June. If only $1000 it will be paid off in September. If I can manage $2000 it would be paid off in May. And the real stretch would be if we could pay $2500 a month it would be paid off in April.

Now all of these are technically possible, since I had budgeted $1000 a month to the medical fund that we will no longer need to be contributing to (at least through June) due to MIL's gift. But $2500 would be with no money going to eating out or fun. $2000 would be more doable unless I decide to beef up the EF a little bit. The other option is to raise our 401K contribution to 7% and see how that shakes out. I might also open a spousal Roth IRA. In addition, I might bump the food budget up $200 a month so we can have more organic meat choices again. We will see.

As I plot the budget for 2020 these are all things I am thinking about. Also my payoff months might also be affected by by how much of a tax refund we get. Regardless of my choice here, after it does get paid off the 401K will definitely be bumped up to 7% and possibly 10%.

$346.83 Tithe
_400.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Fund
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Gas Money
_100.00 Adults Blow Money
_120.00 Kids Allowances
_700.00 Christmas Fund
1000.00 Monster Mom Loan
--------------
3464.03 Total Money Out

Okay, so I am going back to doing my payday reports. I was thinking I didn't really need to be accountable anymore, but we have spent so much on eating out the past couple of months that I think I was just fooling myself or fooling you guys, I don't know. It's more I didn't want to be accountable than that I didn't need to, so I'm back at it. I have a couple hundred dollars in checking so that is why the total amount listed below does not match with the 10% tithe if anyone is doing the math. I still have most of that to carry over for next payday, too, if I don't spend it on something stupid.

$327.28 Tithe
_400.00 Grocery Envelope
_400.00 Medical Fund
__75.00 Household Envelope
_600.00 Automatic Payments (4 phones, Hulu, Netflix, Storage)
_280.00 Monthly Chiropractic Family Plan
_100.00 Blow Money Adults
_120.00 Kids' Allowances
_566.97 Citi
--------------
3369.65 Total Money Out

I raised the grocery budget this week just because we are going down to the farm on Saturday and I will be buying ground beef and bacon. I may not have actually needed to do that as I won't be buying much meat this week otherwise, but if I don't spend it I will put it back in the checking account.

I also bumped the medical fund up to $500 as we had a bill come in that we were starting to think would never arrive. It was from October. I don't think I will need to repeat that next payday, though.

$327.36 Tithe
_400.00 Utilities
_500.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Fund
_108.91 Internet
__36.00 Garbage Fund (every 2 month bill)
_100.00 Car Insurance Fund
__50.00 Car Maintenance Envelope
_100.00 Gas Money
_100.00 Blow Money Adults
_105.00 Allowances
_100.00 Clothing Envelope
_100.00 Computer Fund
_500.00 Monster Mom Loan Payment
-----------
3102.27 Total Money Out

I need to get back in the habit of doing these again. I had a little bit more money go out than was in the paycheck, but was in the checking account. The actual amount of pay for the two week period is $3274.62. It is quite a substantial raise.

$327.46 Tithe
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
_441.41 Automatic Payments
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Blow Money Adults
_800.00 Monster Mom Loan
__95.00 Allowances Kids
_100.00 Holiday Fund
_523.67 Citi Visa
-------------
3284.74 Total Money Out

So for the previous pay period the amount was 2687.71, but we also had the tax refund of $1349.00, so I combined those together for the budget and the total was $4036.71. I messed up the tithe by a couple of dollars but rectified that in the 3/22 budget.

$401.70 Tithe
_400.00 Utilities to Mom
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
_280.00 Chiropractor Family Plan
_108.91 Internet
__74.54 Garbage (We had extra pick ups and it's a 2 month bill)
_567.14 Car Insurance
__50.00 Car Maintenance Envelope
_100.00 Gas Money
__90.00 Allowance DS
_200.00 Clothing Envelope
_100.00 Laptop Fund
_500.00 Monster Mom Loan
-------------
4036.71 Total Money Out

And yes, I do save money each month for car insurance, but I just left that in savings, because it was easier to pay it out of the income tax refund than to wait three days for it transfer between banks. It can be part of the EF now.

The paycheck hit the account early. Usually it isn't in there until eight a.m. So I went ahead and did the budget for the end of March (and what I didn't do out of last time's paycheck because I was sick) and then closed out the budget for the month. After that, since this paycheck did have the new amount with the raise on it, I changed my budget template to account for the increased money and then I set up the April budget.

So it looks like we will have $1177.54 more in each paycheck. Now some of that will go to increasing the tithe amount to keep it at 10%, but the rest is all going to be thrown at the monster mom loan. If we are careful, I should be able to make payments of $700 the first payday of each month and $1300 the second payday of each month. At least barring any unforeseen circumstances.

I would have actually been able to make a $1000 payment this time, but I doubled the clothing budget as DH ripped out yet another pair of pants. He does this by getting down on one knee and then stretching forward to pick something up. I tell him not to do it, but he keeps doing it. And it always rips outside the seam so it can't be repaired. So he needs to get a couple of pairs of pants, DD needs a new cardigan (she gets called so easily even when it is warm out), I need a new cardigan and possibly a couple t-shirts. I need to go through my closet to be sure, but I think I need at least two.

I paid off the credit card (which I do monthly), but it was high this time because of all the take out while I was super ill. So if not for that I would have been able to make a $1300 loan payment this payday.

I am feeling a lot better. I still have a runny nose and a cough, but I have been able to sit up all day for 2 days running, and I was able to make dinner three days in a row now, so there should not be anymore take out, except for the weekly meal that MIL pays for if we choose to have it.

I am still not super hungry. The flu really killed my appetite. I've lost 17.4 pounds total since the 6th. Not on purpose, but I'll take it. I am up to one meal and one snack a day, but will try to get up to one meal and two snacks tomorrow. But eating is still a chore. But I really need to make sure I am eating at least 1200 calories.

I went grocery shopping today. Just one store and I used up the rest of last payday's grocery budget. I will do more shopping tomorrow with the new grocery budget. I figured it would be easier on me to just do one store today and one store tomorrow, than try to do two or more stores in one day. I don't have the stamina for it. I did make it through the shopping without having to use my inhaler, so I've vastly improved since the last shopping trip.

So at Haggen I spent $192.43 and bought:

Aspargus
Green cabbage
Scarlet carrots
Daikon
Red grapes
Oranges
Green bell pepper
Red bell pepper
Strawberries
2 beef chuck roasts
3 family sized packages of sirloin steaks
1 pork shoulder roast
1 package chorizo sausage
1 sliced ham chub
1 sliced turkey chub
Popcorn
1 loaf of Naked bread
1 package of Naked hamburger buns
4 jars of Classico Alfredo sauce
4 jars of Miracle Whip

The last two items were on super good sales, but you had to buy 4 to get the sale price. That's okay, though. The MW will last us until the next big sale and at $2.99 it was half price. The Alfredo sauce I use at least twice a month for Chicken Fettucine Alfredo and at least twice a month for the kids' pizzas (DD can't eat tomato sauce anymore). I make them a chicken parmesan bacon pizza with Alfredo sauce. It's honestly just like the one from Pizza Hut only no tomatoes. The kids say it is actually better. Probably because I cook my crust to crispy, unlike PH.

I still have to make up a meal plan for next week. I will be making pizzas tomorrow, burgers and jo-jos on Saturday, and pot roast on Sunday. I'll work on next week's meal plan after I've finished all the grocery shopping.

$268.74 Tithe
_400.00 Grocery Envelope
__75.00 Household Envelope
_900.00 Dental Crown
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Blow Money Adults
_120.00 Allowances
_500.00 Monster Mom Loan Payment
-----------
2485.94 Total Money Out

Been a while since I felt well enough to do one of these, but things are improving with the rheumatoid arthritis this week after about three weeks in full inflamation mode and I am typing with relative ease again, which is why I've been posting this week at all.

We had some overtime this week, 10 hours. All of it went to DH's crown, because it turns out our dental insurance didn't cover any of it, even though it said it would when they did the preauthorization. DH is going to talk to HR at work, because the plan they say they have they don't. So that means we have to come up with another $700 or so out of pocket.

I was able to put $600 into the medical fund instead of the usual $400 this payday, but that means that all of that will have to go towards the crown. Fortunately with this deposit there is $961 in the medical fund. We won't have the breathing room I had hoped for, but we will be able to pay for the rest of the crown.

I have done the budget for December and I am including the extra paycheck for November 30th onto that budget and not the November budget, since it is paying for December things. So on 11/30 I can put $400 into the medical fund and on 12/14 I can put in $700, and on 12/28 I can put in $900.

DS has a sleep study on November 26th (at least if they don't reschedule again) and I am not sure how much that will cost us. The family deductible is $2000 and DD has met $1000 of it (her limit), and I know I have met some of it. I think maybe $500. I know DD has met her out of pocket max, but I think that has a per person as well as a per family, too.

So I don't know for sure whether or not we will have any money left for next year's deductible. That $1500 for the crown instead of $750 is blowing us out of the water. Plus DH wants to get new glasses. He's more than due. At least the vision is decent, but it'll still be around $200. He's getting cheap frames no matter what. Nothing fancy. He's already cost us too much medical money with that crown, even if half of it had been covered.

Here's what went out today:

$319.93 Tithe
_400.00 Grocery Envelope
_600.00 Medical Fund
__75.00 Household Envelope
_596.31 DH's Crown (plus additional from last payday)
__61.74 DH Life Insurance
__60.46 Me Life Insurance
_100.00 Blow Money Adults
_120.00 Allowances
_100.00 Clothing Envelope
_100.00 Christmas Envelope
_172.84 Computer Fund
----------------
3051.38 Total Money Out

DH purchased his new computer online today, so the computer fund is now wiped out. I'll start over in December, but I think at only at $50 a month. We were doing $100 because DH's was on it's last legs and it really felt like a race to the finish line on whether or not it would last until we had the money. His was five years old.

We all have newish computers now. Mine is the oldest at barely two years old and it is still in excellent shape, so there is no urgency to build the fund back up. Still, I want to have something going in there, and it is possible a phone could go and have to be replaced, though it is doubtful. I don't think any of them are a year old yet. Maybe mine. But it is serviceable. Who knows what the status of my computer will be in another year and having the money sitting there to replace it if it goes kaput is always the better option.

I do have some money leftover after paying all the bills for this pay period, but I am going to try to hold onto it, because DD had to go to the ER last night for IV fluids. I may need it for medical expenses, since the Medical Fund, including what I am putting in today, is basically wiped out after DH's new crown. The 16th cannot come soon enough for DD. I just hope they find something and it is something that can be fixed during the procedures.

$268.72 Tithe
_500.00 October Utilities
_400.00 Grocery Envelope
_400.00 Medical Fund
__75.00 Household Envelope
_275.00 Monthly Chiropractor Family Plan
__91.91 Internet
__36.00 Garbage Envelope
__50.00 Car Maintenance Envelope
_100.00 Gas Money
_100.00 Car Insurance
_120.00 Allowances
-------------
2416.63 Total Money Out

I got my bill recently for the next six months of car insurance. I have been setting aside $100 a month every month in the Car Insurance Fund. The bill is $567.14 if paid in full. I save $67.66 by not paying it month to month, because they charge a convenience fee each month to do it that way.

Now, it still feels like I am paying month to month, because I have a line item on the budget for it each month and it still disappears from my checking account, but I would much rather do it like this and save that extra money. In order to get ahead like this, a couple of years ago we used some money from our tax return to pay the six months in full and then started saving each month after that. I know some budgets are tight so it would be hard to pay each month and save for the fund, but by doing it like this we didn't have to. We were able to immediately start saving into the fund that month.

So not only do I save that $67.66 off my bill, I also end up with a cushion of $32.86 sitting in the fund to start off with since I am slightly oversaving. Of course I don't know what the six months after this will cost, so if it goes up, we have that cushion, plus the next one if necessary to add to our in full payment. A little insurance on our insurance, if you will.

I do the same thing with other funds. Like right now I am saving $100 a month in the Computer Fund. I could get 12 months same as cash or I could save for several months ahead of time and have the money sitting there ready to go when the next computer or camera or phone other electronic device goes belly up. If the money is there, I can still choose to do the same as cash option, knowing I can pay it off at any time, or I can just pay it off.

Some people aren't so good at paying it off in the allotted time, but we have always been. I figure we might need it to jolly our credit report along at some point, since we are using so little credit these days. If we ever finish the debt payoff and save up enough to put a down payment on a house again, we will need a good credit score. So even if we do the deal and pay it off after three months, it activates the credit report. But the point is, I don't want to have to do it that way. I want to use it as a tool, not have it use me.

I think it is good to have sinking funds like this. It keeps you from being walloped by an unexpected, but really what should be expected, expense. We all know our cars will have insurance due every six months, but to many it is just a big surprise every time it happens because they don't budget for it. We all know computers break down, that Christmas comes every year, that the kids will need clothes and shoes. Budgeting as we go, so we don't get smacked with the expense, just makes sense. And it helps prevent using credit cards and getting further into debt, which is the most important thing, at least for us.

I did not go down to the last dollar this time. I have about $250 left in checking. There may be one more autopay yet to come through and then anything else I am holding on to for upcoming medical bills. DH was wrong about the last paycheck not having overtime on it. It had 10 hours. This one is a true representation of base pay with no OT and all of the various insurances and the 401K being taken out.

$268.77 Tithe
_400.00 Grocery Envelope
_400.00 Medical Fund
_100.00 Household Envelope
_352.30 Autopays
__56.83 Life Insurance DH
__45.30 Life Insurance Me
_100.00 Adults Blow Money
_120.00 Kid's Allowances
_100.00 Clothing Envelope
_100.00 Holiday Envelope
_100.00 Laptop Fund
---------
2232.31 Total Money Out

This paycheck had the real numbers on it of what the base pay will be. No overtime. So after I get the next one I will know for sure how much income there is in a month. I am hoping they are splitting the insurances 50/50 and not taking it all out of one paycheck. If so, then we'll be bringing home more than I thought, but it still won't compare to all that overtime. Hopefully in October there will be OT again.

$319.93 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
_400.00 Medical Fund
_100.00 Household Envelope
__91.91 Internet
__36.00 Garbage
_100.00 Car Insurance Fund
__50.00 Car Maintenance Envelope
_100.00 Gas Money Envelope
_120.00 Allowances
_325.89 Credit Card
_500.00 Monster Mom Loan
---------
3318.73 Total Money Out

$407.46 Tithe
_500.00 Utilities
_400.00 Groceries
_400.00 Medical
__75.00 Household
_275.00 Monthly Chiropractic Family Plan
__91.91 Internet
__50.00 Car Maintenance Fund
_100.00 Gas Money
_110.00 Allowances
_743.12 Credit Card
1000.00 Monster Mom Loan
-------------
$4172.48 Total Money Out

As per usual, I have come down with something a few days after our visit to the ER, a nasty stomach bug. I am on the way back up, though, so fortunately it isn't going to be some long, drawn out thing. My food is staying down today and my head feels better, and I finally woke up feeling well-rested. My tummy is still a little tender, but I think by tomorrow I will be okay. I am supposed to be beta testing a finance thing for someone, but haven't been quite up to it yet. Maybe tomorrow.

We have five days to go until payday. This will be DH's first paycheck as a permanent employee and will have two weeks on it. I have set up my budget for August with two bi-weekly pay periods instead of weekly pay periods. The first week will have 15 hours of OT on it and the second week will have 6. DH was so tired after spending Thursday night in the ER with DD, so I told him if he was too tired to stick it out, not to. OT is nice, but not at the expense of his health.

From now on he is only authorized to get 10 hours of OT a week. He won't be able to set up the 401K until after he gets his first automatic deposit, so the paycheck on the 24th will start the 401K contributions. We have decided to start them even though we haven't paid off the debt yet. We both feel like we are already too far behind on retirement to wait, even though Dave Ramsey says to wait until the debt is gone. It is messing too much with my security issues not to start it up and DH also wants to do it.

I am having DH run the numbers for me on how much to contribute. We are debating 5% and 7%. 5% is how much the company matches. 7% is the break even point on taxes. I just need to see what the end numbers will be. Then we can make a decision and I can do the final tweaks to the budget. The August budget is going to be weird and not be able to follow the budget template, but from September on it'll be set for the rest of the year.

DH will be getting what amounts to a 12% raise, but it is because our insurance premiums will be so much lower in September. He is not getting an actual raise, although his boss did try and says he will try again in 6 months. It will feel like a raise. Also in 18 months another guy is going to retire and his boss says he wants DH to take over his position which would be a promotion and likely a raise with the increased responsibility.

We will not increase our level of spending, though. All extra money will be put in the 401K and to pay off this last debt. Once the debt is gone, then the debt money will go to an EF of 3 months of expenses. Once we hit 3 months expenses, we will split that portion in half. One half will continue to build the EF until we hit six months of expenses. The other half will go towards a down payment fund for a house.

Once the EF hits six months of expenses, we will adjust our retirement savings to 10% and the remainder will go into the down payment fund. We may be saving for some time as I don't want to have a mortgage of more than $200,000.00. I really would prefer $100,000.00 mortgage, but that is not practical where we live.

If MIL gives us the $13K a year, we will fund a spousal Roth IRA with some of it and the rest will go into either the EF if we are still building it and then the house down payment fund.

I probably should start a sinking fund for a vehicle replacement. Right now our vehicles are in excellent condition. The 2011 Sienna has only just hit 40,000 miles. The 2007 Tacoma has a lot more miles, but is in great repair, so I think we have many years to go. But when something does go, we will want to get something nice, a used car in the $20,000 range or less. I reckon the Sienna will last another 15 years, but the truck might not. With Toyotas, though, as long as you keep them up, they last a very, very long time. Both will need new paint jobs, the truck first, and then eventually the van.

I'd like to take a vacation at some point, too. We haven't been on one in several years. So that should likely be one of our sinking funds as well. Hopefully, we will be able to achieve all of these goals in the next six years or so. I would like to get out of here sooner, but I just don't think that is to be.

$201.95 Tithe
_200.00 Medical Fund
_200.00 Grocery Envelope
__50.00 Household Envelope
__45.00 Allowances
_441.41 Auto Payments
_100.00 Laptop Fund
__50.00 Car Maintenance Envelope
_600.00 Monster Mom Loan
------------
$1888.36 Total Money Out

I did not budget all of the money out this time as there are a couple of things we need to purchase off of Amazon. I'll be using the debit card there for the first time. I'm not quite sure yet how much we will be spending, so I left plenty of room. After we buy our things, I will allocate what is left to another category.

The Medical Fund is currently sitting at almost $600. I want to get it to $2000 and then I will stop contributing $200 weekly deposits, though when it drops down below $2000 I will start them up again. I have a ways to go before I get there and of course I'm taking out any medical expenses as we go. $2000 is the amount the new deductible will be on the insurance that starts in September, so I'd like it available to us so we don't have to scramble when we start on deductible number three for the year.

So information about the new job is slowly trickling in. I'll start with the retirement information. They have two choices: a traditional 401K and a Roth 401K. I have only recently even learned of the existence of a Roth 401K. With the traditional 401K they will match 100% up to 5% of your income and of course it is pre-tax dollars. With the Roth 401K you put in after tax dollars, and they will again match 100% of what you put in up to 5% of your income. Their portion will be taxed upon withdrawal, but what you put in won't be since you have used after tax dollars.

My gut says the 401K Roth is probably a better choice, but I have done some reading and some have said that it might be better to use pre-tax dollars now when we are earning more to lower our effective tax rate, because when we retire we won't be pulling out as much as DH is currently earning per year, so our tax rate then will be lower than what it is now. Could some of our accountant/tax people weigh in on this issue?

They also may contribute an additional sum to the 401K called a performance contribution, which is divided among employees in proportion to their wages and based on how well the company does each year. Basically an end of year bonus, but to the 401K. It varies from year to year.

They have an ESOP or Employee Stock Ownership Plan. The company contributes stock to employees at the end of the year based on wages and a pro rata basis. They will start doing this once you have worked 1000 hours. It is fully vested after six years, vesting 1/6 per year. DH said currently one share of company stock is worth $16,000. Stock must be sold back to the company on retirement or quitting.

I am debating whether or not we should start whichever 401K we choose immediately (match is immediate) or wait until the debt is paid off. If we do it immediately it works out to $90 a week. That is $360 a month that should be going to debt payoff and we are hoping the debt is gone in the early part of next year, but that depends on overtime. I hate giving up the free $360 a month, but I know it would be for a short time. It bothers me that our retirement is so low, but the whole point of the Dave Ramsey plan is you cannot split your focus.

As soon as the debt is paid off, we plan to get the EF to three months of expenses and then hit retirement at 10% while getting the EF up to six months of expenses. Then once the EF is at six months, start saving for a large house down payment. I don't know that we can do the recommended 15% to retirement and still save for a house, though once DH starts getting raises we might.

We figure anything MIL gives us will go towards either the EF build or the down payment. In later years, we could put any gift money towards Roth IRA's or towards paying off the house early once we buy one. I guess in those years we would hit 15% of retirement if MIL gives like she has said she plans to. We can't count on that money, though.

We will have to use some of the money MIL gave us already to get through the job transition period. DH officially starts working for the company direct on the 21st. His last paycheck from the contracting company is on June 27th. Then he won't get paid again until the 10th and we will move on to a 2 week paycheck. So we need to get through the time when we would have had a check on the 3rd, but now won't.

Also, his old company has said that we can pay the August insurance payment out of that paycheck on the 27th, which means that paycheck will be quite short, even with OT on it. So some of the money will also have to go to cover what is taken out for the insurance. But starting on the 10th we will switch to biweekly budgeting instead of weekly budgeting and everything will be fine. The new insurance starts on September 1st. That will make life easy and we won't have to worry about dealing with COBRA at all. So, yay! I am just very grateful it is all playing out like this and that we have the money in savings to smooth out the bumps.

My daughter and I are sorely in need of hair cuts, so I funded an envelope with that and it is sharing space with a new take out category. I took out $150 for both. I'm not sure how much the hair cuts are anymore, but we do go to a salon. We both have difficult hair and the cheap places just don't do it right. We compromise by going longer between cuts to account for the higher expense.

Whatever is left in there after the hair cuts will be what is available for take out. Everyone has been Jonesing for Polynesian food and I am too tired to make four different dishes. It won't become a habit as eating out all the time is what caused our budget to get all catywampus in the first place.

$201.95 Tithe
_200.00 Grocery Envelope
_200.00 Medical Fund
__50.00 Household Envelope
__91.91 Internet
_100.00 Gas Money
_100.00 Car Insurance Fund
__45.60 Garbage
__50.00 Allowances
_244.97 Citi
___5.75 BoA Visa
_500.00 Monster Mom Loan
_150.00 Haircuts and Take Out
------------
1940.18 Total Money Out

$201.95 Tithe
_500.00 Utilities
_275.00 Chiropractor Monthly Family Plan
_200.00 Grocery Envelope
_200.00 Medical Fund
__50.00 Household Envelope
_500.00 Monster Mom Loan
__45.00 Allowances
------------
$1971.95 Total Money Out

So I've been playing with my July and August budget spreadsheets and I think we will be able to pay off $2500 in July if the 15 hours of OT a week continues, which DH's work says it will. Then projecting ahead to August, if he gets the full month at 15 hours of OT a week, we should be able to pay off an additional $3500. It is more than July because there are five paydays in August.

It'd be about $600 more, but I am setting $300 a month aside for buying beef and I will also need to put a deposit down on two pasture raised turkeys around late September. I want to buy a half a steer in about 4 months' time. I don't think I will buy a hog this year. I think I will just buy what I need monthly from the ranch this year for pork, which is 8 packages of bacon, 4 packages of pork chops (they contain 2 chops each), a pork roast and 2 packages of ground pork.

I should get a paycheck from Youtube/Google this month. It won't be all that much, but it goes into savings. I am going to invest in a larger tripod for making vids. Right now I only have one that goes three feet and some of the stuff I do for my channel would benefit from one that is at least five feet tall. I'm also thinking about getting a table top tripod for my phone since I do use it sometimes when I am making cooking videos. I should still have a small profit be year's end after expenses. If I ever earn enough, I'd like to get better photo editing software as well.

I can go two more years claiming that as hobby income, but after that I will have to start pre-paying taxes on it as I understand it. Right now we claim it as hobby income and they just take whatever taxes it may have out of our refund. After 3 years they consider it a viable business, even though it still is really just a hobby.

I will be doing more cooking videos though which should increase channel traffic and thus income. Some are Instant Pot and some are regular. If you'd like to see my recent ones:

Homemade Tzatziki Sauce: https://www.youtube.com/watch?v=XyvHtZtzuNg

Homemade pita bread: https://www.youtube.com/watch?v=izcJlgkofPI

Instant Pot Chicken Shwarama: https://www.youtube.com/watch?v=KCR5LeRu4pY

All three recipes were used together by spreading the Tzatziki on the pita bread and piling on the chicken shawarma. It turned out really well.

It is nice not to have to worry about money quite so hard with all the overtime. I am still being careful to assign every dollar a name, though. Even if that name is just cushion, as I am keeping one in the checking account. If the cushion gets too high, I will throw it at the Monster Mom Loan.

DH and I decided we could do $50 a month on allowances for our own blow money while he is earning so much OT. Starting next month that will be in one lump instead of separated, on the last payday of the month. I also upped the Household envelope to $50 a week instead of $25. I want to replace the bathroom faucet and get a different water filter for the kitchen. I hate our current water filter, it makes the kitchen faucet lower and I can't get some of my taller pots under it now. It'll have to wait until we go through all the cartridges, though.

I do want to get the bathroom faucet replaced ASAP. It is constantly putting out this black crud no matter how much we clean it and it also recently started growing something green under the central cap. Yuck. I've never had a bathroom faucet do this in my life. I was living with the black crud, but the green stuff is freaking me out. My mother picked the cheapest faucet for this bathroom. I'm going to spring for one that is a little more costly and made of chrome. Also it will be the American Standard brand, which I've never had these issues with. We might need to be replacing the showerhead in a couple of months as well.

$200.45 Tithe
_200.00 Grocery Envelope
_200.00 Medical Fund
__50.00 Kids' Allowances
__50.00 DH and My Allowances
__56.83 DH Life Insurance
__45.30 My Life Insurance
_100.00 Laptop Fund
__50.00 Household Envelope
1000.00 Monster Mom Loan
------------
1952.58 Total Money Out

We still haven't managed to get 100% away from the credit card, so there was a small payment today to bring the balance back to zero. We are getting better at it though. I meant to go into the credit union today to order debit cards for our checking account, but the parking lot was packed and I ended up just going through drive thru, which only had one car in the lane I chose.

I still have trouble standing for long periods of time. Walking is okay, but standing and waiting is very hard on my left knee and hip and my right ankle, so waiting in a long line inside is not appealing. Monday shouldn't be bad since it is not a payday for most of the town like today.

After I did the banking, I went and bought new glasses. I had put $500 into the medical fund and the glasses came to $460.80. I also paid the radiologist from DD's first ER visit. I know MIL said she would pay the medical bills for DD, but I think we can handle this one. That was out of the Medical Fund, not today's paycheck, though. There is now $203.66 left in the Medical Fund.

$200.50 Tithe
_600.00 Monster Mom Loan
_200.00 Grocery Envelope
_500.00 Medical Fund
__50.00 Household Envelope
__25.00 My Allowance
__25.00 DH's Allowance
__50.00 Animal Feed Envelope
__35.00 DS's Allowance
___5.00 DD's Allowance
_217.38 Citi
_141.37 Radiologist
-------------
1857.88

Household is low because I ended up having to order some stuff online on a credit card so used the Citi card for that. I took the amount I ordered out of the household budget because it was for a new dishwasher silverware rack (the old one has holes and things are falling through it) and a pair of XXL large cleaning cloves for DS, whose hands can't fit in any of the offerings available locally.

Then after I did that I went and looked and you can actually pay directly out of your checking account with Amazon. So I entered my information on that. I've disabled one-click check out as well, so that I always have to check to make sure which method of payment is coming up instead of blithely clicking.

I was able to make a small payment on the Monster Mom Loan and I started the Laptop Fund. It feels good to be making some sort of forward progress again instead of just holding on.

$181.48 Tithe
_441.41 Autopays
_200.00 Grocery Envelope
__19.00 Household
__37.00 Allowances
_200.00 Medical Fund
_150.00 Gas Money Envelope
__81.32 Car Insurance
_100.00 Laptop Fund
_250.00 Monster Mom Loan
_145.95 Citi (Should be done now, might have something else show up)
------------
1806.16 Total Money Out

After paying all of the bills and funds allotted to this week we have $60 left in checking. DH has finally got a working debit card, so now the medical checking account is working as intended. I am funding it to the tune of $200 a week and then any excess in that fund each month will be saved towards future big medical expenses.

The only thing not funded out of that is the chiropractor which has its own line on the budget. If DH does get hired on direct at some point, we'll be stuck paying COBRA for a while and have a new deductible, so I want a huge medical cushion. Plus, we need money in there for future surgeries we know are coming.

$122.47 Tithe
_200.00 Grocery Envelope
__50.00 Household Envelope
_275.00 Chiropractor Monthly Family Plan
_200.00 Medical Fund
__90.91 Internet
_100.00 Car Insurance Fund
__36.00 Allowances
__50.00 Car Maintenance Envelope
__36.00 Garbage Fund (paid every two months)
__25.00 DS's Driver's Permit Renewal
-------------
1186.38 Total Money Out

$122.47 Tithe
_200.00 Groceries
_200.00 Medical
__50.00 Household
__35.00 DS's Allowance
_500.00 Utilities to Mom
__56.83 Life Insurance DH
__45.30 Life Insurance Me
-------------
$1209.60 Total Money Out

I have $34.04 left in checking. Some of that is carry over from last week.

I have done a detailed budget for the month of June, breaking it down into four weekly budgets, assigning amounts to each week and making every dollar work for us. While doing that I kept coming up with extra money each week. I figured when I got to the last week it would zero out, but it didn't.

Turns out when I added up the four paychecks I must have made an error, because I had more money than we thought. I was off by $110, so that means I can actually bump the grocery budget to $200 a week instead of $175. I added the extra to the cushion category, which put that at $40.80 a month. I want to build a small cushion into the checking account.

I am really grateful to have found that mistake, because we have gone over $175 both weeks so far, but still stayed under $400 for the two weeks. I was really trying hard, too, but when you are feeding four adults, 2 of which are male and 1 of which has extreme dietary limitations, and trying to eat organic at least on the dirty dozen, turkey, and chicken, that extra $25 a week is going to make things a lot easier.

There are still a few things I can cut yet in the grocery budget, but because I was sick, didn't. For example, I bought 8 bags of chicken fried rice from TJ's at $2.99 a bag which is $23.92.

Normally I make chicken fried rice at home and I have all the ingredients for it. I do up about 16 cups worth of rice in the rice cooker and then add some coconut aminos, peas, carrots, corn, shredded meat of some sort, scrambled egg, ginger, and garlic and stir-fry it in a bit of chicken broth. I used to use sesame oil, but not anymore with DD's restrictions. Then I divide it into quart size freezer bags. It is a huge difference in cost. I can make up as much rice for about $8, a savings of about $16.

So I know I can balance stuff out a little better to come in under budget, I just have to get there and be well enough to do it. As soon as I feel good enough to make our bread and rolls from scratch again that will help, too. Convenience happens when I don't feel well, so as soon as I finish this cold I will do up my rice. Or maybe even tomorrow. I did a lot today, got caught up on dishes and halfway caught up on laundry and didn't have the energy to do more than just make dinner today. I do have to make up more pudding tonight, but that will be easy.

Tomorrow I have to make breakfast burritos for the freezer and I will at least make the rice in the cooker. It stir-fries best when it is a day old.

I am taking lots of breaks so I don't push myself too hard. I will go to bed early, too. I don't want to relapse just when I am starting to feel human again.

I am reading a new library book, "Slaying the Debt Dragon," by Cherie Lowe, and one of the things she recommends is naming your debts. They called theirs the dragon. I did this in the past when I called the credit card companies the Evil Empire and my whole goal then was to bring down the Evil Empire. But with just having the loan left to Mom that doesn't seem appropriate. She's not an empire. So I am dubbing it the Monster Mom Loan. Not to say my mother is a monster, just that the Mom Loan is. It tickles me and gives me just a little more focus. It's weird in my head, but I like it there.

I have done a detailed budget for the month of June, breaking it down into four weekly budgets, assigning amounts to each week and making every dollar work for us. While doing that I kept coming up with extra money each week. I figured when I got to the last week it would zero out, but it didn't.

Turns out when I added up the four paychecks I must have made an error, because I had more money than we thought. I was off by $110, so that means I can actually bump the grocery budget to $200 a week instead of $175. I added the extra to the cushion category, which put that at $40.80 a month. I want to build a small cushion into the checking account.

I am really grateful to have found that mistake, because we have gone over $175 both weeks so far, but still stayed under $400 for the two weeks. I was really trying hard, too, but when you are feeding four adults, 2 of which are male and 1 of which has extreme dietary limitations, and trying to eat organic at least on the dirty dozen, turkey, and chicken, that extra $25 a week is going to make things a lot easier.

There are still a few things I can cut yet in the grocery budget, but because I was sick, didn't. For example, I bought 8 bags of chicken fried rice from TJ's at $2.99 a bag which is $23.92.

Normally I make chicken fried rice at home and I have all the ingredients for it. I do up about 16 cups worth of rice in the rice cooker and then add some coconut aminos, peas, carrots, corn, shredded meat of some sort, scrambled egg, ginger, and garlic and stir-fry it in a bit of chicken broth. I used to use sesame oil, but not anymore with DD's restrictions. Then I divide it into quart size freezer bags. It is a huge difference in cost. I can make up as much rice for about $8, a savings of about $16.

So I know I can balance stuff out a little better to come in under budget, I just have to get there and be well enough to do it. As soon as I feel good enough to make our bread and rolls from scratch again that will help, too. Convenience happens when I don't feel well, so as soon as I finish this cold I will do up my rice. Or maybe even tomorrow. I did a lot today, got caught up on dishes and halfway caught up on laundry and didn't have the energy to do more than just make dinner today. I do have to make up more pudding tonight, but that will be easy.

Tomorrow I have to make breakfast burritos for the freezer and I will at least make the rice in the cooker. It stir-fries best when it is a day old.

I am taking lots of breaks so I don't push myself too hard. I will go to bed early, too. I don't want to relapse just when I am starting to feel human again.

I am reading a new library book, "Slaying the Debt Dragon," by Cherie Lowe, and one of the things she recommends is naming your debts. They called theirs the dragon. I did this in the past when I called the credit card companies the Evil Empire and my whole goal then was to bring down the Evil Empire. But with just having the loan left to Mom that doesn't seem appropriate. She's not an empire. So I am dubbing it the Monster Mom Loan. Not to say my mother is a monster, just that the Mom Loan is. It tickles me and gives me just a little more focus. It's weird in my head, but I like it there.

I had some money leftover from this paycheck but we ended up using it to go over on the grocery budget. I had to buy pudding and Jello and extra milk to make the pudding for DD for after her surgery. I didn't think about that ahead of time. The Jello and pudding were on sale for 99 cents a box if you bought four boxes. I'll get the hang of this, but it may take a few more weeks. There is about $30 left in checking.

I added the tithe for my Thrive commission check into the tithe from DH's paycheck so it is a little higher than usual. My commission check was close to $50.

$128.72 Tithe
__55.00 Co-pay eye doctor
_175.00 Sleep doctor
_175.00 Groceries
__50.00 Household
__81.00 Truck Tabs
_125.75 Van Tabs
__35.00 DS Allowance
__25.00 Blow Money Me
__25.00 Blow Money DH
_100.00 OTC Medications and Vitamins
_150.00 Gas Money
---------
$1125.47

$1400.00 Citi Card
__82.13 Amex
_125.17
-----------
$1607.30

The paycheck plus what was left of the $1000 went towards finishing off the credit cards. AMEX is done and all auto pays have been transferred off it, so as soon as it clears I will be cutting up that card.

I will finish off the Citi card on next Friday and then it will only be used for the auto pays. We will take the credit cards out of our wallets. They can't be an option. Also next Friday I have car tabs due and a medical bill. There won't be a lot left over, enough to fund the grocery envelope and the household envelope. But then starting on the June 1st payday and continuing forward, we should be able to fund everything else with cash throughout the month.

Yesterday we opened a checking account for my son and then he set up his paypal account to hook into it, so he can now make online purchases directly out of his bank account and no one has to use a credit card. He needed a checking account anyway as he is going to get a job this summer and will need it for direct deposit. He's had a savings account since the year he was born.

He wants to read The Total Money Makeover after my husband is finished with it. He is very determined not to carry debt in his life except for possibly a mortgage. We've already talked about 10% of his income going into retirement from the start. He may not qualify for a 401K immediately, but he can do a Roth IRA until he does. He will also be saving 40% for college and 10% will go to tithing. Then he will need to put 20% into savings for a car and insurance and the remaining 20% will be what he can spend.

He wants to make a budget as soon as he gets his first paycheck, but before anything else he is going to save up $1000 for an emergency fund so he has it in place when he is able to afford a car. I guess we are rubbing off on him. Not so sure about our daughter. With her medical issues I despair of her ever being able to hold down a job.