Tomorrow is May 1 and we have our budget prepared and ready to start tomorrow. When I finished, I said, “Okay. So where does the money for the envelopes come from if we don’t get paid until Friday?” I guess you are supposed to start on a payday and not the first of the month. Oh, well. We have enough of everything to last until Friday. Plus, we started with some money left over from last month (and charges, too, of course.) But we are going to try to just not spend anything until Friday. I bought groceries today, and the cars have gas. We can’t pay bills until Friday, either.
For those of you who care (Nathan and Amy?), we signed up for the online program ($89.99/year). That way we are not using my program or Dad’s program, but rather someone else’s, so neither of us can feel slighted that it isn’t “our” program. And it did have a lot more detail and seems like it will be easy to keep track on. But when we were all done, I realized I hadn’t budgeted the $89.99 to pay for the program in 7 days when our trial is up. Ahhh…. I can see why he says it will take a while to get it right! But at least we are starting the month with enough excess to cover that cost.
It’s fun, though. I got really pumped listening to the c.d.’s on the way home. The first thing we did was eliminate Dad’s retirement deduction until we get the credit cards paid. He has been having them take out 13% every paycheck, so it does make a difference in the take-home pay and it will only be for a little while. And what is already in there will keep growing because of interest. Tomorrow I have to find a bank to put our emergency fund in. I’ve got the checklist made to call and compare rates and minimum balances and such. We are going to use our tax return for the emergency fund.
So, yeah, things are going well on the money-makeover. Dad is a little tense about it, but I’m just excited. I was yelling “cheetah!!” at the credit card offers as I threw them in the garbage today!
If any of you don’t know what I’m rambling on about, you have to talk to Nathan about getting the Dave Ramsey materials and get on your way to becoming debt-free! Let’s all do it as a family!
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