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Financial Review

April 23rd, 2015 at 02:15 pm

Thank you all for your kind comments on my previous post. One of my goals is to be more accountable and more active around here. I'm feeling really good about how my accounts are all sitting right now.

Oil Savings (I add to this each month for the purchase of oil for the house) $835 and I just filled my tank and paid it off this month. Hoping the tank should last till midsummer.

Personal Taxes (I am self employed so taking off my own taxes, my break even goal is around $7000 after deductions) $3874

Misc Savings (This will be used for house upkeep, I will add down below our list of goals for the year) $4794

Mortgage Savings (I try to keep 2 payments ahead in this account) $975

Christmas 2015 $500

Large Savings (this hardly gets touched, will be kept in case of emergency) $18358

As for my debts my credit card and both line of credits are sitting at 0.

I lent a family member some money two months ago and should have that repaid by next month that totals $3000.

My goal for the end of the month is to be able to add another $200-$300 for both taxes and misc savings.

I started stocking away any cash I get or cash from anything I sell while decluttering for a small get away this summer with my dd and SO.

I was going to add my house goals and projects to this post but I think I will save it for another post.

I am feeling really good where everything sits right now, my income is due to drop mid May so I will continue to save as much as possible until that!

Reviewing the budget

January 8th, 2015 at 10:11 am

I went over my expected income vs budgeted amounts today and I am really hoping to be able to pay $1000 off my line of credit this month. I put $100 towards it already today, I also paid my cellphone/internet which was $7 less then expected.

I was hoping for a no spend day but need to run to the post office to mail a letter, I also need to pick up a few things for my home business.

This weekend will hopefully be low spend, going for supper with friends Friday evening, Saturday will be the normal grocery shop, and Sunday dd is invited to a birthday party. I have some stocked up items in my gift closet I purchased on clearance after Christmas so we will find something in there and dd will make a card.

I'm working really hard to use up left overs lately to, very happy with myself. Would love to cut back in waste!

Busy Day

March 24th, 2011 at 05:23 pm

Well tomorrow is the start to an early weekend tomorrow but that doesn't mean it will be any less busy. I have a bunch of appointments tomorrow morning, its pay day so time to pay bills and then taking dd for a fun afternoon! I'm getting so close to my 5000 goal I really hope I can scrape up the extra money and finish it next month.

I'm starting to look into school but am a little nervous about going into debt for it, taking time off from working, making way less and paying for childcare! Lots of decisions to make in the next few months, I just hope I make all of the right ones!


March 22nd, 2011 at 07:03 pm

I'm a 20 something single mom to a busy 2 1/2 year old girl! I am all about saving, budgeting, and staying debt free. I decided to start this blog to make myself more accountable with my spending. So here are my goals!

1) Baby Emergency Fund: 500/500 Completed Jan.31/2011
2) Large Emergency fund: 4606/5000
3) Christmas Account: 150/800
4) Misc Savings: 147/?
5) Save all extra change in my change jar till Dec.31/11
6) Stick to my budget, cut where I can, and use the envelope system.

Those are my current goals, I'm hoping to add go back to school soon. I'm doing pretty good so far I wanted to have my 5000 EF saved by Dec.31/11 but it looks like I'll hopefully have it done by April! If I make this goal me and dd are going on a weekend trip! Can't wait!!