Non active means not currently paying, he was in school deferment but can no longer do that.
I fumbled a bit but mostly because I've been working so much. In two days I've put in 28 hours, last week I worked 6 days so we ate out quite a bit more than planned. I'm hoping to get back on track soon. I'm salary so I don't get OT, but I'm hoping for a little something extra. It's never guaranteed but they've been generous recently with bonuses and extra PTO because of how much extra effort I've been putting into my work.
I don't feel as secure with my finances since my car so I'm concentrating on getting my bills paid and then extra goes into savings. I really want to dump my debt but I need to feel at ease with a slightly larger bank account.
My house closes in about 3 weeks. I am in countdown mode still - can't wait to be rid of the financial drain it has been on me for the past few years since I moved!
My house closes in about 3 weeks. I am in countdown mode still - can't wait to be rid of the financial drain it has been on me for the past few years since I moved!
Hi Dept Dumpers! I haven't been on this thread in, oh, 3 months or so. I think I got discouraged when my tax refund was only about half of what I thought it would be - turns out the (fairly large) raise I got at the end of 2013 bumped me up enough that I no longer qualified for as many tax credits. So I only got a little over $1500 - not enough to pay off the smaller of the CC's and not enough for a full one-month buffer on YNAB either. I actually haven't done anything with it, it's still sitting in the savings account waiting for me to decide. At least it's earning 0.75% interest, lol.
We've also had a fairly expensive last couple of months - both of my girls had birthdays, we had to sign up for our summer CSA and DD6's summer camp, plus a lot of birthday parties and school events to go to that all end up costing money. At least school is over in another month so we'll have a break from that stuff. I need to get back on track with YNAB too; sometimes I'll go a few weeks without entering anything in and then catch up. We've still been okay, but it's definitely not as effective as budgeting the money as it comes in.
Mostly I just wanted to check in here and try to get myself back on track by spilling to you all that I've gotten off track! Someone please chastise me, nicely.
FD=Free Dining (offered at WDW)
My wife has some sort of life insurance policy that her parents took out when she was born too. I should ask her to find out the details. I know we pay a small (~$5) premium on it every month and get an almost equally small dividend payment once per quarter, but I have no idea how much the policy is worth or even what type of policy it is. It may be worth cashing it in to pay off some debt if we can. Thanks for inadvertently giving me the idea, I usually forget the policy even exists.My wife had an old whole life insurance policy her parents took out when she was born so we cashed it to help pay this off.
I just found out from my in-laws that my DH has a whole life policy from babyhood as well. They thought for sure they had told us eons ago and we never followed up. I don't remeber a thing about it but my FIL is going to get us the info, well probably cash it out and put it towards debt.My wife has some sort of life insurance policy that her parents took out when she was born too. I should ask her to find out the details. I know we pay a small (~$5) premium on it every month and get an almost equally small dividend payment once per quarter, but I have no idea how much the policy is worth or even what type of policy it is. It may be worth cashing it in to pay off some debt if we can. Thanks for inadvertently giving me the idea, I usually forget the policy even exists.
This month is kicking our butts a bit - basically too many people have birthdays this month, plus Mother's Day so it's a lot of 'extras' that other months might not have lol
Last weekend my youngest went to a bday party for her best friend; that same weekend I went to a birthday brunch for two of my bff's. This weekend it's mothers day. Later this month my oldest has two more birthday parties. Ordinarily I don't say yes to all birthday parties because let's face it, my kids don't play with everyone in their class. But these two (in fact 3, as the first party is for twin girls) are kids she plays with a LOT and I'm friendly with their mom's so how can you say no? ;-) Luckily dh has picked up lots of overtime the past 2 weeks and it's a 5 paycheque month (he gets paid every Friday) so things are evening out ;-)
I so get it. My DH is into electronics too, but I think we're "done" for awhile I posted last week about my PT bill and I'm calling tomorrow to schedule the car to get tires. But on the good side, at least those things are/will be funded without whipping out the plastic.....I totally agree Eureka! Because of the way this month is laid out, 3 of those 5 pay cheques this month are actually going toward our mortgage (not the entire paycheque, but a good chunk of each one). Grrrrrr.
Now the tv in our main living area has gone 'wonky', the screen has a white bar at the bottom, squiggly white lines through the rest of the picture on and off and the picture 'moves'. Ugh. Why isn't anything built to last any more?? That tv is only about 5 years old!! So I suggested swapping it out with the tv in our den because that one is not used very often but nooooooo dh wants to buy a brand new tv. Um....no....not in the budget at the moment. So I'm sure we'll be arguing about this alllllll weekend
I know exactly how you feel. We went through this last year with every 3 check month. It's so frustrating.My DH gets paid every Friday too so it's a 5-check month for him. (I get paid twice a month). Wish just once that extra check could get us ahead instead of catch us up, you know?
I know exactly how you feel. We went through this last year with every 3 check month. It's so frustrating.
This year I was determined to be able to apply them to bills. Dh and I get paid Thursdays biweekly on opposite Thursdays so every week one of us gets paid. I always apply the Oct & Dec extra checks to Christmas. This year I kept my spending to a bare minimum, truly needs-only (with the exception of our Easter vacation).
For the first time ever I was able to apply all except $350 of dh's spare April check to debt and I'll be doing the same, hopefully, with my July check.
Of course having no summer vacation this year is making this much easier. I expect to be very cranky by Oct having gone 6 months with no fun but if I can stick to The Plan, all our cc debt will be gone by then.
So when the urge hits to book a little getaway, I ask myself, "Do you want to get out of debt? or keep dragging it out?" Then I have my answer.
You should be very proud of yourself!! You are doing a fantastic job sticking to your plan - and just think that in around 5 - 6 months you will be out of debt!!!!!
I so feel you on this! I just updated the budget last night, and looks like my extra check this month (or at least most of it) will be needed to get us caught up.My DH gets paid every Friday too so it's a 5-check month for him. (I get paid twice a month). Wish just once that extra check could get us ahead instead of catch us up, you know?