Antsy? Ansy? Antsey?
I don’t know what the proper way to spell it is, but I have got ants in my pants, because it’s the end of the month and I’m eagerly awaiting statements to post so I can finalize February’s numbers for my spreadsheet.
The car loan and home equity loan is done, as well as credit card #3, but I’m still waiting for cards #1 and #2.
In looking over our debt spreadsheet this past weekend, I wasn’t too happy with the numbers. We had a total amount of ~$910 going to the credit card debt for February, well below what I wanted.
We originally wanted to throw $1000 at the credit cards, along with any dependent care reimbursements we got from our flexible spending account. That should be $1385, total. So as you can imagine, I wasn’t happy with $910.
Of course, some things have changed, like the $800 brake bill that popped up, and the fact taht we may have a hefty tax bill come april, but still - we were only $90 away from the $1000, and it’s not my fault the reimbursements are slower than molasses.
So I talked it over with the husband, and he agreed that we could pull $90 out of our “buffer” category to at least get it to $1000.
I hadn’t yet made the payment, and so imagine my glee when waiting for me in our mailbox, was a $192 reimbursement check. So after I deposited that (I love USAA’s Depost@Home feature SO MUCH!), I went ahead and send in a payment, and rounded everything up a bit as well.
So we won’t be making the $1385 number, but we at least made our $1000 +$192.
Yay.
Comments
You will continue to fall short until you change your mentality. You already had your “fun” - almost $100K worth for years and years. Trust me…dump the idea of this fun money (or curb it back to about $100).
We didn’t fall short, we made our goal of $1k a month.
And again, as long as we are on track, I’m fine with spending some bonus money.
I guess the next post I need to write is the changes we’ve made in our lifestyle! :)
Even with that though, I foresee you being disappointed with a lot of the choices we make/will be making in the future. Yes, we’re serious, but we’re also happy with a 3 year plan. We’re not going to kill ourselves and deprive ourselves of ALL fun to do it quicker. We went out to dinner & a movie on my birthday this month too, and when you throw in the cost of a sitter, it’s not a small amount. But we budgeted for it, and we’re not going to feel guilty for it.
I’m grateful for the comments, and will listen to constructive criticism just fine. But we will make our own decisions as to how we go about this.