The Good: A few noteworthy items:
1) As I mentioned here, I paid all sorts of bills, and still had some money left over! G-man's part time job pays on Wednesday, so we will have a little more of a cushion then. PLUS, we are having a BBQ this weekend, so we will actually have money to get the stuff we need!
2) We looked into peer to peer lending, and were preapproved for $13,600 @ 7.38%. Originally I was thinking $17,000 and would pay off CC1 and CC3 (highest interest cards), and we were approved for it at 10.78%. When I crunched numbers, I am not sure that paying that high of interest is a savings. Yes, it is lower, but the minimum payment really isn't all that different. But the $13k.....that might work! We haven't had it funded yet....still deciding if this is the right route. Any thoughts?
The Bad: There are 2 things....neither is huge, but hey, I am all about telling you guys EVERYTHING.
1) Our no eating out July.....minor transgressions. I told you about G-man's $1.99 soda. Well, I bought a $2.64 coffee in a moment of sheer stress. And G-man went fishing and picked up coffee for he and his buddy. $4.14. So our no eating out has actually been $8.77. Not a huge thing, but I guess that is a technical FAIL for the month. Bummer.
2) Forgot about the kids' dentist appointment this coming week. Usually I pay for half, and they bill me the other half. As I have stated, our dental coverage is less than stellar. If I pay half, we will still be ok, but it puts a damper on some of the extra things I wanted to pay. Bummer.
The Ugly: I am such a crybaby. I know it. And I know I sound like a spoiled brat. But seriously, I want this bookcase. I love it. And in some weird twisted way, I think it is the start of something good. As I struggle to organize our house due to lack of space....having a place to put my books, which are currently boxed up, and have been for 5 years....fills me with peace. I love my books, and I love having them near me. And I am ashamed that this bookcase has this much control over me. I really do want to get out of debt. But I am also so sick of having crap and a huge debt and nothing to show for it.