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Archive for February, 2009

$1.81 in bank account

February 26th, 2009 at 01:03 pm

Boy are we cutting it close this pay period, we get paid in exactly 9 hours and 6 minutes (midnight). We have drained our Freedom Account (AGAIN!) due to some more "surprises" and will hopefully make it through without adding to overdraft. If we make it it will be by the skin of our teeth! Neither of us needs gas and we have food in the house so barring any real emergency, we should make it, but MAN how close!

My husband has been dealing with some health issues lately and finally last night was the one of the first nights in almost 6+ months that he got a decent night's sleep. I know the money is only adding to his stress and it's manifesting itself in his health, but we are feeling optimistic. Really, we can only get better from here right? We're pretty close to a rock bottom, maxed out status.

I'm looking forward to brighter days and seeing the happy side of this; we may have drained our Freedom Account, but we haven't overdrafted this payperiod! It's a start and I'll take it. It's been such a rough road, I need to acknowledge the small victories, however small.

$45 and Feeling Good

February 11th, 2009 at 04:33 pm

Again, it's been awhile. I sound like a broken record sometimes. Things are starting to look up a bit. I started a blog in November and was just approached the other day about advertising. I just sold my first advertising! I'm getting $45 for 3 months, yeah! I'm excited. Every little bit helps.

I'm also feeling good, because my husband and I are in a better place right now. We have our "money meeting" tonight where we'll talk about the upcoming paycheck (Friday) and the bills that will be paid out of it. We'll go over the budget and talk about our goals. We are trying to be more consistent with this and I'm happy, because HE brought it up. Smile

As far as the unexpected debts (aka "surprises") go, we have still had some, but they are definitely slowing down. Also, my husband is doing what he can to try and ask anyone and everyone he can think of that he may have borrowed from if he still owes anything. That'll help, but honestly, the only thing that will bring peace of mind to me is as more and more time passes without another surprise popping up.

Really, the only yucky thing right now is I have to have a root canal. UGH! I have never had one before and luckily it isn't too painful (I'm about halfway through the process.). I'm also grateful we have dental insurance and should only be about $600 out of pocket for the root canal, crown and everything.

I'll end on a good note. Even with all this craziness and more debt (about $2k in credit cards and $900 in medical) since November, if can stick to our budget and repayment plan that I set up for us, we should be out of credit card debt, overdraft debt, medical debt, 401k loans paid back and have some EF in just under two years from now. How awesome would THAT be?! Oh, also, my first forays into couponing at the grocery store has gone well. I'm definitely going to keep it up.

As always, thanks for all the support!