In the perfect world, debt would only go DOWN. I don't live there. On the positive side, the overall debt total did go down, in thanks to our 2nd retirement loan payment and car payments. The nice thing about those debts....they will never go UP. One direction only......
You may notice that we paid off the Kids dentist. Before we get too excited, when I spoke to them yesterday, they had not received payment from the last appointment in April. Once they get the actual payment, we may have a balance again. We paid the dentist based on the ESTIMATED insurance. Our dental insurance is so poor, who knows what they will do.
You may also notice that the adult dentist went UP. This is because at the last root canal, they had to "build" up the tooth so the crown could be fit. That little step cost $200. Add in that G-man has a check-up coming up, and my crown in June....and this number is going to change.
Another possible change is the oral surgeon appointment that we have for Sassy. If she needs further work.....well, hopefully we have enough left in our FSA, but I am not too hopeful on that arena. They require a payment plan, and a credit card (no debit cards) and if the balance isn't paid off within 3 months, they will charge your credit card.
Student loan went up slightly, due to my friend interest. The monthly payment for that comes out of next week's paycheck, so that will be reflected in coming updates.
This month is really tight in general. My birthday, Mother's Day, and the wedding. We didn't plan well enough. That is on us. We didn't spend alot on gifts, and they were all paid for in cash. But it was still money that typically goes to something else. The wedding....we have the cash for the gift. We will need to take the money for the babysitter out of our savings.
We have been saving up for a new lawnmower as well. The original plan for that was budgeted in April, but because of the delay in the funding for the retirement loan, THAT plan got changed as well. We are about $60 from our goal....so in a few weeks we will have a new mower.
Lastly, our gifted money. MIL gave me $100 for my birthday (and on a side note...my parents haven't done anything). Half is going toward house stuff. The other half will go towards something for me. The larger check....
We will split it up as I mentioned before. Boat, house, EF, and car. I know that won't be popular with some of you. But by putting money aside for future "emergencies" gives me piece of mind that WHEN Murphy stops by, the stress of that visit will be lowered. And the car....we all know that cars break down and need something. This will help.
Sorry for the long winded post.....