Almost

OK, I'm going to delay the HELOC payment by one week. I could pay it this week and bring our checking account down to crumbs and fret about every dollar spent for the next week...or I could delay the payment by one week, accrue ~$2 in interest and pay the whole thing off next week. Peace of mind wins. Next week we'll be debt free. This week we'll keep the money liquid, just in case.

Now, about that impulse purchase I was telling you about in the last post...so last Friday night the kids wanted to ride in the office chair. In our house this means they wanted to spin. You know where this is going right? Being the awesome mom that I am, I spun them a little too long and Jamison, the two year old, threw up all over the chair. I mean all over it. It was a cloth office chair and well, there was no way I could get it cleaned to my satisfaction. Yes I tried our portable steam cleaner and everything. Sorry, there was just no cleaning it. So, I packed up the kids and hauled them off to buy a new chair. I know, not frugal or pf-wise in any way. I did it anyway. I now have a nice faux-leather office chair (the least expensive one the store had and it was the most comfortable for me too).

I'm guessing the personal finance karma gods were watching though. When I got home from the store I found that the dog had made a huge mess and spent the next 45 minutes cleaning up with the aforementioned portable steam cleaner. Gross.

So, that $106.75 purchase was definitely not a planned expense this month. Thankfully I've collected $106.22 in snowflakes this month that will help offset that. My budget included a $500 line item for the emergency fund. I've reduced that to $400 to offset the chair purchase and then I'll snowflake everything I can to the emergency fund to try and get it above $500 like my original goal was. I'm still pretty excited that I'll be able to pay $1300 to the HELOC and $500 to the emergency fund in one month. Gotta love those three paycheck months. And snowflakes.

To the personal finance karma gods: I'll try and do better.