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Super Boring Finance Update
This writing thing is fantastic. I just cannot tell you how much it thrills me to have an extra check every month that is enough to pay the mortgage. We don’t use it to pay the mortgage, I’m just saying that to me that’s a lot! (We don’t have a $200,000 house tho, so it’s not THAT huge a check LOL.)
But wow, I’ve never had so much fun playing with numbers and adding things up. We didn’t even have a budget for my birthday party on Saturday. We just bought what we needed to buy, and that was that. The not worrying was something so new for me I didn’t know how to feel. I’d get confused and think, “Shouldn’t I be complaining about something?” When Randy would come in with groceries or yet another party supply.
One of the things we’ve been doing is opening all the mail that comes in. If you’ve ever read Shoe Addicts Anonymous
Well I’m not in a book, but I did the same thing. I think a lot of people do (if they don’t, please don’t tell me…I’m okay living in a fantasy where I’m the only one that lets the kids play with the mail so I can later say, “those darn kids got it what was I supposed to do, tape it back together?”) and just don’t tell everyone else because they have different boundaries than I do.
Of course there’s the added bonuses of guilt and shame that come with money when you don’t have enough too but that’s a post for a psychiatrist to make, not me!
So now it’s the Tetris game of, “What to pay off first?” There are a couple HUGE debts (can you say student loans?) a few medium size debts in the low thousands, and then there is the mass of piddly $50 – $300 debts. Those are the really embarrassing ones. I sometimes ask myself, “Did you seriously not have $95 to just pay that off?” Sadly the answer for a long time was no.
I cannot imagine how much more difficult this would all be if we had credit card debt on top of it all.
Oh, and it looks like next month *fingers crossed* we’ll be paying off the car. Please, ask me what I’m doing with that $300/month payment. We’re putting it into a *gasp* savings account. Go figure.
While I think it’s fine and dandy for the six-figure families to rock out with the Dave Ramsey
I wonder how many people like me, bought those books for the day when we could have enough money. So, you know, I’d know how to not mess it all up when I was finally on track.
So maybe they weren’t the worst purchases I’ve ever made, after all. *laugh* It’s all in how you look at it, I guess.
