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January Savings Goal Met!!!

January 16th, 2009 at 07:24 am

I have met my savings goal for January...I am so excited. I was looking at my accounts this morning. I have had $60 in my savings account and $20 in each of the kids savings account for about 5 weeks now! that is unprecendented in the history of me! Not only that, but I began transferring the $50 a pay period into my sisters account in december and she hasn't taken any of it! She is starting tomorrow I think...but I have had $100 sitting in that checking account as well for almost a month! I haven't transferred it back or relied on it in anyway!(overdraft protection). And my other sister hasn't cashed her checks for $300 yet...so that has been sitting in my account. Although I can't spend it and want to make sure it is in the account, my financial picture at the bank is looking good! I also haven't bounced a check since November. I used to never bounce checks, but I had begun to depend on the $500 overdraft protection...so getting back to not doing that feels really good!

I realized last night that the cheerleading competition season starts next week. I didn't take that into account when I worked up my budget. Although I figured high on gas for the two week period, I have to now add the cost of admission to the competitions for my husband and I. I also need to pick up a few things at the grocery store...not much but $$ I hadn't planned on since we are well stocked. So now I am really not sure how I am going to be able to keep up the mortgage plan...but I am absolutely determined to make it happen! When I make my budget, I need to get to a point where I alot a certain amount of money for unexpected items...right now I budget right down to the last dollar...and it is just unrealistic to assume that I won't have to spend anything unplanned between paychecks!

I also realized last night that I am paying $35 a week for the chirpractor for my son. That is $140/month! This isn't covered under insurance. But I wonder where that money has come from...I never would have been able to keep this up before! I am so thankful that my finanical journey has begun.

7 Responses to “January Savings Goal Met!!!”

  1. Myrtle Says:

    This is wonderful news. You are doing really well.We are proud of you!!!!

  2. merch Says:

    Great job so far. No bounced checks no power notices. A little in savings.

    Imagine that extra money you have now that isn't going to bounced check charges. Imagine the lowered stress not having to worry about your utilities being turned off.

    Great job and keep moving forward.

  3. ceejay74 Says:

    That is progress! Savor this moment and don't get discouraged if there are bumps in the road ahead. You won't be able to plan for everything, but the more you plan, the better you will be able to absorb the unplanned things.

  4. Koppur Says:

    You're making great progress! You should be very proud of yourself! Keep it up! Smile

  5. Ima saver Says:

    Good for you!

  6. fruitbowlk Says:

    Girl you are doing good. I can relate to overdraft fees and things like that.

  7. mooshocker Says:

    WOW! Great job. An awful lot to be proud of. Keep it up but remember to take the bitter with the sweet. God bless.

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