Cowgar Family Adventures

Tuesday, February 10, 2009

The Budget...UGH!

Our budget for January is trashed! Between the busted washer pipe and wire problems, to buying a bunch of photo props for Claire’s shoot, to just impulsively buying way to much fast food and junk, we really screwed up this month. February will have to be the new January, and we will either sink or swim, so let’s hope we get it right this time. We didn’t get to put anything into the Emergency Fund, except for my last paycheck from K-Mart, which was about $76. Our home improvement fund was emptied, and we stole from the thrift and medical savings to help with the cost of the wiring. We went up to the outlet mall in Lodi and spent money we didn’t really have on a few shirts and Christmas dresses for the girls, since they were having a huge clearance sale. This month was just a mess. Luke also spent some money, getting a Maxxum 9, the best film camera Minolta ever made. It's a professional grade camera, and it came with 2 lenses Luke can use on his digital camera as well. So, on we are into February. Hopefully by the end of February, we will have something rock solid in place.

Accounts as of 1/31/09

Emergency Fund: $229.53/$1000

Thrift Savings: $0.00

Medical Savings: $0.00

Home Improvement Savings: $0.00

The minimum on the WAMU card dropped this month, so the new minimum will be $35. We needed that little extra, we had too many runs to Drug Mart this pay period. The price of convenience I guess. I didn’t pay any extra to any of the cards. I decided the best place to put extra cash for now is in the Emergency Fund, until we get to that $1000.

On another note, our snowball has been re-ordered. I'll need to redo the chart and post it, but we got a good promotion on one of Luke's empty credit cards, so we are doing a balance transfer, to get rid of my Bank of America card. It looks like one of the highest interest cards we have a balance on is Luke's WAMU, and it is also one of the cards with the smallest balance. That will now be the first credit card we pay off.

Luke has a bunch of e-Bay auctions going on this week. He is trying to raise money to buy a 100-400 APO lense for his camera, along with a 2x teleconverter. He is hoping to hit a few more air shows this year, and these 2 items will really help him achieve the close-up shots he wants to pull off.

We should be filing our taxes shortly, but all money we get back will go into savings for our upcoming shuttle vacation. I will post lots of details about that vacation plan at another time. Right now I need to get the motivation and make Luke sit down and help with pictures so I can update this blog with all the other life happenings that have been going on. He is working from his brother's today, but hopefully late tonight we can get some things posted.

There are also some new pictures on the photo blog. Claire's newborn photo shoot, and some of Lexi for her upcoming 3rd birthday next month!!

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