C had an appointment with a nursing school last Thursday to talk about their program. It was an informative chat and when C arrived home that night the first thing I asked him was, of course, how much does the program cost. It's a four year BSN (Bachelor's of Science in Nursing) program and it costs $76,000. And then I laughed. Yikes! The school took a copy of C's transcript (he has degrees in biology and chemistry already) and reviewed that over the weekend. He found out yesterday he could receive credit for about eleven classes, shaving off about half a year. It would still be a very expensive program for him. And it would be mostly day classes so we'd have to pay for daycare on top of that. That program has fallen to the bottom of the pile I think.
But C is searching for other programs. I hope he is able to speak with more schools in December. I think most likely he'll attend a two year program to get an A.S. degree, take the national test and become an RN. Then he can get out in the work force and get some experience. Then, when the kids are all in school (even the baby) he can go back and do an accelerated RN to BSN or PA (Physician's Assistant) program if he wants to and depending on what his chosen career path requires. I have a feeling though that the money saved in our tuition account is only going to be a fraction of what we need. We'll definitely be searching for scholarships and grants so we can avoid loans. And we'll keep saving all that we can into the tuition fund to get us as prepared as possible.
Less Whining, More Gratitude
How about this post is less whining and more gratitude. No more boo-hooing about lack of progress and being frustrated and gnashing of teeth.
Today I'm going to tell you a story about how lucky I am. How grateful I am for my Dad and his generosity. Again. Is this getting old? Telling you about my Dad? He really is the greatest man. He will do anything for his kids and his kids would do anything for him. I can not say enough good things about him.
Anyway, last Saturday night my sister and I and our husbands and our dad went out to dinner. My sister and I had groupons (pay $25 - get $60 worth of food) for a fancier restaurant in town. In order to use the groupons together, we had to have five people at our table so we invited Dad with and told him dinner was on us. Yeah. We should know better by now. He swiped the check when the server brought it. We should have told the server when we sat down to give us the check. There was no use talking him out of it either. He said we'd already "paid our share" with the groupons and he was picking up the rest. We had a very nice meal out and it didn't cost us another cent. Very nice! (My aunt and uncle were watching our three children for us. I should tell you about them some day. We've never paid for childcare because we have family that will watch our children for free. That's another thing I am so grateful for!)
As we were leaving the restaurant and saying our good-byes Dad handed me $100. He does this every few months, hands me some cash. I asked him why, what was it for? And he said to just buy some things we want. It's hard to put into words how my heart swells when I talk about my Dad. He doesn't have to do these nice things for me and my family. He does them because he wants to.
I've spent that $100. I spent most of it on two new pairs of boots for me, one brown and one black. I wear boots all the time in the fall and winter and mine had been destroyed by my car and years of use. They both needed replacing. I gave the rest of the money to the kids for their monthly allowance. And Monday night we went shopping at Target where they each spent some of their spending money on a small toy (A bought a Star Wars figure and J bought a can of play-doh).
That is today's tale of gratitude. I was able to buy myself a couple pairs of new shoes and have a nice dinner out all because of my dad's generosity. I can't wait to pay this forward and do the same for my own children when they are adults.
Today I'm going to tell you a story about how lucky I am. How grateful I am for my Dad and his generosity. Again. Is this getting old? Telling you about my Dad? He really is the greatest man. He will do anything for his kids and his kids would do anything for him. I can not say enough good things about him.
Anyway, last Saturday night my sister and I and our husbands and our dad went out to dinner. My sister and I had groupons (pay $25 - get $60 worth of food) for a fancier restaurant in town. In order to use the groupons together, we had to have five people at our table so we invited Dad with and told him dinner was on us. Yeah. We should know better by now. He swiped the check when the server brought it. We should have told the server when we sat down to give us the check. There was no use talking him out of it either. He said we'd already "paid our share" with the groupons and he was picking up the rest. We had a very nice meal out and it didn't cost us another cent. Very nice! (My aunt and uncle were watching our three children for us. I should tell you about them some day. We've never paid for childcare because we have family that will watch our children for free. That's another thing I am so grateful for!)
As we were leaving the restaurant and saying our good-byes Dad handed me $100. He does this every few months, hands me some cash. I asked him why, what was it for? And he said to just buy some things we want. It's hard to put into words how my heart swells when I talk about my Dad. He doesn't have to do these nice things for me and my family. He does them because he wants to.
I've spent that $100. I spent most of it on two new pairs of boots for me, one brown and one black. I wear boots all the time in the fall and winter and mine had been destroyed by my car and years of use. They both needed replacing. I gave the rest of the money to the kids for their monthly allowance. And Monday night we went shopping at Target where they each spent some of their spending money on a small toy (A bought a Star Wars figure and J bought a can of play-doh).
That is today's tale of gratitude. I was able to buy myself a couple pairs of new shoes and have a nice dinner out all because of my dad's generosity. I can't wait to pay this forward and do the same for my own children when they are adults.
Treading Water
I've been growing increasingly frustrated with our lack of progress in building our emergency fund. And it's been messing with my head. Here is a quick plot of our emergency fund balances for this year:
As you can see, we're approximately right back where we started the year and November and December will have gains, but not enormous ones (around $400 each month).
I know I should be grateful that we have an emergency fund at all and that it has helped us this year when we needed it. I know that some of the reasons for no gain are out of our control. We couldn't help C getting laid off last year and having to take a lower paying and reduced hour job. We couldn't help the 1 week furlough I had to take in January of this year. We couldn't have anticipated C having a kidney stone attack and needing surgery and then having bill after bill roll on in.
And we used the money for a good reason too - me taking four weeks of unpaid maternity leave to stretch my leave to the full 12 weeks allowed under FMLA.
It's now time (well, after the last of those medical bills get paid) to hit our emergency fund hard and to try and build it as quickly as we can. Last Friday C and I sat down for a financial discussion. I told him of my frustrations and that I'd like to find some ways to increase our income. To make financial gains, there are really two ways to do it - decrease spending and increase income. I feel like we have a fairly lean budget already. We don't spend a lot of money on "fun" items each month. C and I don't have blow money or allowances. C rarely buys anything for himself. The first thing C thought of though is how we could cut more from the budget. We currently have internet and cable TV plus cell phones and a landline. He's going to investigate getting rid of the landline (this makes me nervous with small children in the house and the potential need to have them call 911) and the cable TV. We could use our cell phones for phone service and our Netflix subscription plus the internet (Hulu, station websites, etc.) to view our favorite TV shows. We'll see what changes there.
I told C though that while cutting more from the budget is good (we'd probably save around $80/month by doing so), I'd like to challenge us to bring in more income too. Are there any hobbies, interests, or other pursuits we could do to bring in more with the purpose of saving that money away in our emergency fund? We already put all snowflakes there but how could we make those snowflakes bigger? We brainstormed a few ideas for each of us.
We'll see what we are able to do but I might set some 2011 goals that include a minimum I'd like to see us bring in extra each month above our regular jobs. Have any ideas for things we could do?
As you can see, we're approximately right back where we started the year and November and December will have gains, but not enormous ones (around $400 each month).
I know I should be grateful that we have an emergency fund at all and that it has helped us this year when we needed it. I know that some of the reasons for no gain are out of our control. We couldn't help C getting laid off last year and having to take a lower paying and reduced hour job. We couldn't help the 1 week furlough I had to take in January of this year. We couldn't have anticipated C having a kidney stone attack and needing surgery and then having bill after bill roll on in.
And we used the money for a good reason too - me taking four weeks of unpaid maternity leave to stretch my leave to the full 12 weeks allowed under FMLA.
It's now time (well, after the last of those medical bills get paid) to hit our emergency fund hard and to try and build it as quickly as we can. Last Friday C and I sat down for a financial discussion. I told him of my frustrations and that I'd like to find some ways to increase our income. To make financial gains, there are really two ways to do it - decrease spending and increase income. I feel like we have a fairly lean budget already. We don't spend a lot of money on "fun" items each month. C and I don't have blow money or allowances. C rarely buys anything for himself. The first thing C thought of though is how we could cut more from the budget. We currently have internet and cable TV plus cell phones and a landline. He's going to investigate getting rid of the landline (this makes me nervous with small children in the house and the potential need to have them call 911) and the cable TV. We could use our cell phones for phone service and our Netflix subscription plus the internet (Hulu, station websites, etc.) to view our favorite TV shows. We'll see what changes there.
I told C though that while cutting more from the budget is good (we'd probably save around $80/month by doing so), I'd like to challenge us to bring in more income too. Are there any hobbies, interests, or other pursuits we could do to bring in more with the purpose of saving that money away in our emergency fund? We already put all snowflakes there but how could we make those snowflakes bigger? We brainstormed a few ideas for each of us.
We'll see what we are able to do but I might set some 2011 goals that include a minimum I'd like to see us bring in extra each month above our regular jobs. Have any ideas for things we could do?
Another Medical Bill
Earlier this week we received in the mail another Explanation of Benefits (EOB) from our insurance company. Ugh. This one was for $1200! I did a bit of research last night and this is the bill from the hospital for C's kidney stone surgery - the room, labs, radiology, supplies, etc. All other bills we've received to date have been for anesthesiologist, surgeon, etc.
After checking our insurance and the EOB, the charges are real and calculated correctly. For emergency room visits, we have a $150 co-pay and then we're covered 100%. For in-patient or out-patient procedures we have a $500 deductible and then we're covered at 80%. This $1200 bill is our 20% that we owe. *sigh*
I haven't received any actual bills yet for this EOB but I suspect they'll be arriving in the mail in the next couple weeks. December is a three paycheck month for me and I was really looking forward to putting a large amount in savings. Instead, it looks like I'll be using a large portion of my third paycheck to pay medical bills.
C doesn't get sick very often but when he does, it's a biggie! I jokingly told him last night that the next time he gets sick, he has to go to the ER and get it taken care of! It's less expensive for us that way!
After checking our insurance and the EOB, the charges are real and calculated correctly. For emergency room visits, we have a $150 co-pay and then we're covered 100%. For in-patient or out-patient procedures we have a $500 deductible and then we're covered at 80%. This $1200 bill is our 20% that we owe. *sigh*
I haven't received any actual bills yet for this EOB but I suspect they'll be arriving in the mail in the next couple weeks. December is a three paycheck month for me and I was really looking forward to putting a large amount in savings. Instead, it looks like I'll be using a large portion of my third paycheck to pay medical bills.
C doesn't get sick very often but when he does, it's a biggie! I jokingly told him last night that the next time he gets sick, he has to go to the ER and get it taken care of! It's less expensive for us that way!
Rollover Complete
We received a phone call from Vanguard on Friday double-checking C's allocations for his newly created and funded Roth IRA. Yesterday C received an e-mail from Vanguard informing him that the funds had been deposited according to his direction and were now available. A quick check of the site last night showed everything to be set up and funded correctly. One year later (C was laid off Thanksgiving 2009) and his 401k rollover is complete.
Vanguard was very easy to work with when setting up the rollover. The whole process was very smooth. I'd definitely recommend Vanguard to others.
I also feel better that we now have control over this money rather than letting it sit in his 401k with his old corporation. Plus, now that we have the accounts set up, we can start adding to them again. C hasn't been contributing to his 401k or any retirement savings in the last year. Thankfully his balance has grown anyway but we really want to start contributing again. I've worked it into our 2011 budget that we'll send a small amount each month to his Roth IRA. It won't be much while we work to complete our emergency fund but it makes me feel better that we're putting away at least a little bit for him.
Vanguard was very easy to work with when setting up the rollover. The whole process was very smooth. I'd definitely recommend Vanguard to others.
I also feel better that we now have control over this money rather than letting it sit in his 401k with his old corporation. Plus, now that we have the accounts set up, we can start adding to them again. C hasn't been contributing to his 401k or any retirement savings in the last year. Thankfully his balance has grown anyway but we really want to start contributing again. I've worked it into our 2011 budget that we'll send a small amount each month to his Roth IRA. It won't be much while we work to complete our emergency fund but it makes me feel better that we're putting away at least a little bit for him.
Comfort Zone
I stepped out of my comfort zone this weekend and submitted my post on my shoes to the Carnival of Money Stories. I don't participate very often in blog carnivals because I always think my little blog is just a bunch of stories I'd share over coffee with a friend. There's nothing earth shattering or even very entertaining or informational here! But, I did it. And it was included. I don't know that I'll do it very often though. It's scary! What if people don't like me! Please go visit the carnival though to find some really great blogs that you maybe aren't reading yet!
My Car is Ruining my Shoes!
I know that sounds like a funny title...but it's true! I drive a Mitsubishi Eclipse to work on average 3 times/week. (I carpool the other days and we take turns so some weeks it's two times and others it's three that I drive.) Since I work in a professional office as an engineer, I typically wear heels with my dress pants. And since my car is sporty-ish (it's a 10 year old 4 cylinder manual that gets 30mph - not exactly sporty!), it sits very low to the ground and therefore so do I. As a result, my foot on the gas pedal sits almost back on my heel and as such, the back of my heel rubs on the floor. I have many pairs of heeled boots and shoes that have been ruined by this constant rubbing. However, since I've been so focused on debt repayment and savings, I haven't replaced any of these shoes in a very long time. It's not like they have holes in them or anything (Nope, although I did finally throw a pair away this spring that did - I was tired of having wet dress socks the rest of the day after dodging puddles in the parking lot!)
When I step back and look at my current shoe inventory, it is quite sad! My car has literally ruined many pairs of shoes I wear quite often to work! In the next few months, I will most likely have to replace at least three pairs as it is becoming almost embarrassing to wear them to work. My only saving grace is now that winter is almost upon us, I can wear winter boots while driving and change into dress shoes once I'm at work.
Do you have any unusual stories to share that have cost you money?
When I step back and look at my current shoe inventory, it is quite sad! My car has literally ruined many pairs of shoes I wear quite often to work! In the next few months, I will most likely have to replace at least three pairs as it is becoming almost embarrassing to wear them to work. My only saving grace is now that winter is almost upon us, I can wear winter boots while driving and change into dress shoes once I'm at work.
Do you have any unusual stories to share that have cost you money?
Necessary Expenses
Now that the baby is crawling - crawling! already! - it's time to put up some baby gates. We have a two story home with an unfinished basement. The basement stairs have a door at the top so no problem there. We are just vigilant about keeping the door closed. The stairs to the second floor though need some attention. When we moved into this house A was just turning a year old. Since then we had J and now L. So, we have gates. We have a gate for the bottom of the stairs that we simply need to bring up from the basement and re-install. The gate for the top of the stairs though needs to be replaced. It broke at the very tail end of our needing it with J. The piece that broke is the same piece the gate has since been recalled for. Yeah, we're counting our blessings with that one!
Yesterday I looked around at Overstock, Amazon and Babies 'R Us to see what gates are available. I picked out a few that were hardware mounted since it would be used at the top of the stairs and last night C and I sat down, reviewed them all and ordered one. It wasn't the cheapest one but it also wasn't the most expensive. We're $60 lighter this morning. To me though this is a necessary expense. And just one of many that come along with having children. I'll do anything to keep my children healthy and safe.
Since I don't have very many budget categories, I'll slip this into the "discretionary" budget and when the gate arrives, I'll breathe a little easier as I set L down on the floor upstairs while I change clothes or pick up toys. And I won't have to be so vigilant about closing the bedroom door behind me when I do so.
Yesterday I looked around at Overstock, Amazon and Babies 'R Us to see what gates are available. I picked out a few that were hardware mounted since it would be used at the top of the stairs and last night C and I sat down, reviewed them all and ordered one. It wasn't the cheapest one but it also wasn't the most expensive. We're $60 lighter this morning. To me though this is a necessary expense. And just one of many that come along with having children. I'll do anything to keep my children healthy and safe.
Since I don't have very many budget categories, I'll slip this into the "discretionary" budget and when the gate arrives, I'll breathe a little easier as I set L down on the floor upstairs while I change clothes or pick up toys. And I won't have to be so vigilant about closing the bedroom door behind me when I do so.
Unusual Spending Patterns
We're 1/3 through November. Already. Isn't that crazy! But it's also true. Today is day 10 of a 30 day month. And on this day 10, I'm surprised to report that we have not spent one penny on eating out yet! By this time in most months most if not all of our restaurant budget will have been spent. We have plans to spend some of that money this weekend though. C will buy himself some lunch between work and a work training session (unless he packs himself a lunch) and we have plans to go out to dinner Saturday night with my dad and sister.
How are you doing one-third of the way through this month? Are there any budget categories where you're noticing unusual spending patterns?
How are you doing one-third of the way through this month? Are there any budget categories where you're noticing unusual spending patterns?
Truck Update
As you may remember, last year in August we purchased a new vehicle - a 2009 Chevrolet Traverse. Yes, a new vehicle. As in one with almost zero miles on it. Yes, that was controversial in the personal finance blogosphere. Oh well. Still today, we are loving it! It has accommodated our family perfectly. We recently hit the 12000 mile mark on our truck (it took us 14 months to do it!) and the truck rewarded us for that milestone by announcing it needed its first oil change. Instead of the historic 3000 mile limit, our truck's owner's manual says there is no need to change the oil that frequently. Instead, the truck has a sensor and when the oil reaches a certain threshold, an alarm goes off reminding us to change the oil. This is our first maintenance cost with the truck.
When we had our third child in April, we received a "welcome baby" pack of coupons from local businesses. One of the coupons was from the local Ford dealership and it was for a free oil change. The coupon had no expiration date. Yay! Today we're having the oil changed in our truck for the first time and it's going to be free!
When we had our third child in April, we received a "welcome baby" pack of coupons from local businesses. One of the coupons was from the local Ford dealership and it was for a free oil change. The coupon had no expiration date. Yay! Today we're having the oil changed in our truck for the first time and it's going to be free!
2010 Goals Review: October Edition
Monthly Goal Checklist:
Overall it wasn't that bad of a month. I feel like we're doing OK with our finances. We're saving. We're not going crazy with our spending. We're using our credit cards responsibly (paying them off each month and reaping the rewards). We're working towards our goals. Yay!
- Keep emergency fund above $6000. Not only did we keep it above $6000, we increased it! Yay!
- Stay under budget each month this year. Not so much. We were once again over budget. I'm going to increase our budget a bit as I outlined in my last post because I think many of our budget categories were just too tight for our family.
- Save all C’s unemployment benefits for tuition money. Yep, done! This account is over $9000 now and should hit 5 digits this month!
- Always have at least $250 in short term savings. I elected to not add money to this account this month since we were over budget. It still sits at $170 but should grow again this month.
- Save at least $100 each month into our emergency fund. We did! We saved almost $400 this month!
- All extra money (snowflakes) goes to the emergency fund. They did! We had $28 in snowflakes this month that was added to our emergency fund.
- Money going to other savings accounts (basement, short term, Christmas, etc.) must be done only after the $100 goes into the emergency fund each month. Yep! We did!
- Our list of want items must only be purchased with money from our regular monthly budget or our short term savings account. Done!
- And finally, post at least 15 times each month here on this ol’ blog. Same as last month, only 13 posts here this month. I should post more. When I'm posting more it means I'm also paying closer attention to our finances!
Overall it wasn't that bad of a month. I feel like we're doing OK with our finances. We're saving. We're not going crazy with our spending. We're using our credit cards responsibly (paying them off each month and reaping the rewards). We're working towards our goals. Yay!
October 2010 Budget Report
Here it is. Our budget from October. Look out for justifications, uh, I mean explanations ahead!
Groceries: Way over budget. Again. I've analyzed our 2010 grocery spending and our average spend is $414 with the last four months averaging $485. Not only are our children eating more as they grow (and L is six months now and eating some fruits and veggies along with his rice or oatmeal cereals) but groceries are more expensive in general and we're trying all the time to eat more whole foods, less processed which is inherently more expensive. Because budgets are flexible, I'm going to keep our grocery budget at $450 now (up from $400 previously). I'll keep an eye on this to see if it should grow higher.
Household: (Usually items purchased at Target) Was $75 over budget this month. Time for more analysis. Year to date average is $213 per month. The last four months has been averaging $226 per month. The $200 budget is apparently unrealistic. I could do an in depth review of our spending but we rarely buy any "toys". This is 95% household products, some clothes for the kids, etc. I'm changing this budget to $225 from now on and will continue to monitor our spending.
Restaurants: We actually made budget this month. I'd like to increase this budget but since I know we *can* keep it under $75 I'm going to challenge us to continue doing that. If we just can't though (we're human and like to eat out once in a while!) then I'll up this budget.
Discretionary: Over budget by $84 this month. Analysis says our year to date monthly average is $287. The $300 monthly budget should be adequate. However, I've been neglecting some basic needs for our family. The kids need new clothes and boots for winter, I haven't had a haircut since January, etc. So, I'm going to raise this budget to $350 so I can restock our closets a bit. And maybe take care of some other needs or wants that have been put on the back burner for a while.
I had reduced all our discretionary budgets when C was laid off last November. I've been reluctant to increase them even though C has been tutoring since March. I've been trying to siphon the extra money off to savings or to use it during my maternity leave. I think it's time now to open some of them back up a little bit.
Groceries: Way over budget. Again. I've analyzed our 2010 grocery spending and our average spend is $414 with the last four months averaging $485. Not only are our children eating more as they grow (and L is six months now and eating some fruits and veggies along with his rice or oatmeal cereals) but groceries are more expensive in general and we're trying all the time to eat more whole foods, less processed which is inherently more expensive. Because budgets are flexible, I'm going to keep our grocery budget at $450 now (up from $400 previously). I'll keep an eye on this to see if it should grow higher.
Household: (Usually items purchased at Target) Was $75 over budget this month. Time for more analysis. Year to date average is $213 per month. The last four months has been averaging $226 per month. The $200 budget is apparently unrealistic. I could do an in depth review of our spending but we rarely buy any "toys". This is 95% household products, some clothes for the kids, etc. I'm changing this budget to $225 from now on and will continue to monitor our spending.
Restaurants: We actually made budget this month. I'd like to increase this budget but since I know we *can* keep it under $75 I'm going to challenge us to continue doing that. If we just can't though (we're human and like to eat out once in a while!) then I'll up this budget.
Discretionary: Over budget by $84 this month. Analysis says our year to date monthly average is $287. The $300 monthly budget should be adequate. However, I've been neglecting some basic needs for our family. The kids need new clothes and boots for winter, I haven't had a haircut since January, etc. So, I'm going to raise this budget to $350 so I can restock our closets a bit. And maybe take care of some other needs or wants that have been put on the back burner for a while.
I had reduced all our discretionary budgets when C was laid off last November. I've been reluctant to increase them even though C has been tutoring since March. I've been trying to siphon the extra money off to savings or to use it during my maternity leave. I think it's time now to open some of them back up a little bit.
October 2010 Month End
Happy Halloween! October is over and our accounts have been reconciled. Here's how we did:
Debts:
Truck Loan: $25,962.95 (-$440.05) - Regular payment made. Not much else to say about this one.
Savings:
Emergency Fund: $6,667.90 (+370.61) - Ah, finally we were able to make a deposit to this account for several hundred dollars. Most of this was the budgeted contribution but I did also receive a $25 credit card reward check and a $3 survey payment. Every bit helps!
Short Term Savings: $170.04 (+0.00) - We were over budget (again) this month so to help offset the overage I didn't put any money in this account this month. *sigh*
Travel Fund: $159.67 (+25.14) - I put a little money away for travel this month. It's nice to see this account go up at least a little bit.
Christmas Savings: $536.37 (+100.46) - It's time to ratchet up this account so we can pay cash for Christmas!
Basement Finishing Fund: $104.29 (+25.09) - This account also got a little boost this month. Finishing the basement is such a long way off but any progress I can make towards it feels good.
Tuition Fund: $9,492.71 (+762.39) - This account is still growing nicely. I have a few hundred to transfer over again as soon as it clears our checking account.
Overall this month was pretty good. I'll explain the budget overages in my next post but I'm happy we were able to save some this month. I have more saving planned for November too. It is so nice to finally feel like maybe we're getting back on track and we'll be able to see our emergency fund grow again.
Debts:
Truck Loan: $25,962.95 (-$440.05) - Regular payment made. Not much else to say about this one.
Savings:
Emergency Fund: $6,667.90 (+370.61) - Ah, finally we were able to make a deposit to this account for several hundred dollars. Most of this was the budgeted contribution but I did also receive a $25 credit card reward check and a $3 survey payment. Every bit helps!
Short Term Savings: $170.04 (+0.00) - We were over budget (again) this month so to help offset the overage I didn't put any money in this account this month. *sigh*
Travel Fund: $159.67 (+25.14) - I put a little money away for travel this month. It's nice to see this account go up at least a little bit.
Christmas Savings: $536.37 (+100.46) - It's time to ratchet up this account so we can pay cash for Christmas!
Basement Finishing Fund: $104.29 (+25.09) - This account also got a little boost this month. Finishing the basement is such a long way off but any progress I can make towards it feels good.
Tuition Fund: $9,492.71 (+762.39) - This account is still growing nicely. I have a few hundred to transfer over again as soon as it clears our checking account.
Overall this month was pretty good. I'll explain the budget overages in my next post but I'm happy we were able to save some this month. I have more saving planned for November too. It is so nice to finally feel like maybe we're getting back on track and we'll be able to see our emergency fund grow again.
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