It's been a really good month here. The husband's pay checks are finally squared away and are plan is slowly moving forward! Yay for budgeting!!! lol. This month we had to budget in quite a few things that I didn't anticipate or plan accordingly for:
1. Jackson's birthday. I mean, it comes every single year so I should have thought ahead for sure. That's where those sinking funds people talk about come in handy ;)
2. My online computer back up system annual fee.
3. Kailyn's graduation fees(cap & gown etc.)
4. Car inspection x 2 and vehicle taxes x 3
5. Kids school extras(a Valentines Party event)
We have decided up up our grocery budget by $100/month. It's just too tight for us. That puts our grocery cash envelope to $150 each week and it gives me a little more wiggle room. I do make the kids' lunches every day so I'm hoping this helps. We have now replenished our emergency fund and I can breath a sigh of relief. It really does make a big difference in my anxiety to have that in savings.
The most exciting thing this month has been the availability to put a total of $1827.02 extra(not including minimums) towards debt. We now own our Verizon phones out right you guys! I know that must sound kind of pathetic, but it's a big deal to us. That payoff alone saved us almost $70/month on our budget. That $70 will now be snowballed into the next debt we are tackling. All those amounts really really add up. We are only $352.18 from paying off our next debt!!!! That will be another $65.91 added to the snowball at that point. That's how all this works.
We actually get a tax return back this year! Holy crap! So, where are we putting it? I will pay the balance off of the epic trip I'm keeping a secret for now. That trip will then have been COMPLETELY CASH FLOWED. Nothing will have been put on any debt/credit/IOU and that is a big deal my friends. The remainder left will go towards my business insurance for the year. That will be a good day and a huge weight lifted off my shoulders.
I'm hoping March is just as good <3