Monday, December 21, 2015

December Update

It's a bit early, but we have already received our December pay and paid our bills. It was better this month than last, but could have been even better still. I always get a little bit carried away with christmas because I LOVE to give. I LOVE to spend time pouring over that perfect gift for a loved one, that perfect "I always wanted but would never get for myself" gift that will bring about the biggest smile. Unfortunately, I can't always bank-roll my ambition. Getting out of debt is so important because, to me, giving is SO important. It's how I best show love. It's not always about spending money to give, but right now, that seems to be my go to. I made dinner for a few friends, but even that ended up costing a pretty penny (and took sooo much time). At any rate, here we are:


  • Capital one             3000/3100
  • Lowes                        370/500
  • Capital one             1600/2250
  • School (mine)         1195/11,100
  • School (hub)          7,550  /17400
  • Van                            11,000/21,000
  • House                       96,165/99,000

 For a grand total of:


I really wanted to pay off the smaller cap one, but I don't want to run our budget too close to 0. It makes for a very stressful few weeks. I was able to scrape together a little bit extra for my student loan, and can clearly see the end :) 

Down by $1,246! Much better than last month's 400 :) January is an extra check month (WAHOO!!!) I'll be in the teens!!

Monday, December 14, 2015

Something has to give

I cannot park in my garage so that my things can stay warm.

It takes me a long time to dress my kids in the morning because I can never find anything.

I have to replace items when I need them because I cannot find them.

I throw away food because I can't see it in my fridge to use it (yes, clutter exists their too).

My entire life, I have battled clutter in my room, my home, my car, my purse, and much like debt payoff, I have often resolved to be better. Do better. I can learn how if I stay with it...I have tried time and time again, but I have failed just as much.

Don't worry, this is not another "Life changing magic" post. Though, maybe I'm the only who has had her fill of this. I love me some konmari, I'm just tired of reading about it.

In fact, this post won't teach how to make changes, but rather, it's my why.

It's my "I'm sick and tired of it" post.

My "Give me back my life, time, and place of rest" post.

It's funny how debt pay-down has rolled into other areas of my life. How getting control of one area leads me gain control in another.

It's truly a total life makeover. I am moving toward simple wherever I can.

I'm not organizing, decluttering, or otherwise....It's time to:


Tuesday, December 8, 2015

November Update





November....not such a great month. December "looks" better, but then, so did November on paper. I'm not sure what happened outside of just not sticking to the budget. This is a depressing month, so short and sweet post it is....

Here are my numbers:


  • Capital one             3100/3100
  • Lowes                        446/500
  • Capital one             2250/2250
  • School (mine)         1250/11,100
  • School (hub)          7,800  /17400
  • Van                            11,000/21,000
  • House                       96,300/99,000


For a grand total of:


ONLY $399.00 FOR AN ENTIRE MONTH...ah geez....