I really hope I am not jinxing myself here.....
But we are about 6 weeks into the new year, and financially speaking, we are working the plans and so far so good!! I know that being 78k in debt isn't anything to celebrate. But it was 80k six weeks ago, so the trend is in the right direction.
Retirement loan paid off....now that money pays for the car. Late March we will do one more loan to wipe out the CC, and save hundreds of dollars a month, which will get applied elsewhere (probably medical stuff first, and then student loan).
We are writing less checks. I have been using cash for the kids' lunch. Debit card for co-pays at the doctor. Set up a few on-line things for other things. I still have a few checks to write, but they are very few.
The overtime money that was on this week's paycheck went into a separate account, and I don't miss it. I hate that we usually spend the OT and never really know where it went. Not anymore. On March 31, the OT money will be used as an extra payment, or towards something EXTRA. Not everyday things.
All but 2 of our February bills are paid already. Those will come from the next paycheck. While I would love to have everything paid for the month...we just aren't there yet. I have a secret fantasy (no longer secret), to be able to pay an entire month of bills in one shot, and not have to look at it again.
We have added almost $200 to our EF. Once it hits $2,000, the "extra" money will go into the home improvement fund. Need to have a better cushion for those things that have a tendency to wear out. We have used our tax return in the past, but our piddly tax return this year won't cut it.
Next paycheck we will resume saving for the kids' camp. By early May, that will be fully funded. Then onto Christmas savings.
MAYBE we are finally getting a handle on things!!!!