My goals for this year is to pay off 2 credit cards and to
lower one to less than $1000. One day I
will have the nerves to reveal how much in debt we are in. I am going to try to start using the envelope method.
Basically I will withdraw money each
week and put in different envelopes with the amount of money that can be used
for the week. The bills that will not be paid by envelope are the mortgage,
credit cards, water bill (has to be mailed to FL), and phone bill. I need to
sit down and do a budget and set up payment schedules for all bills so that
they are paid on time to stop late charges from being applied to accounts.
Budgets, budgets that is something that has been a hard word in this house. I
have a hard time putting a budget down, but I know that I need to do it. I HAVE
TO DO IT. We need to put money back in
an emergency fun and I know how important it is to have one. A couple years ago my husband was in a car
wreck and he was the only one working at the time. He was
hurt so badly that he had to have an operation on his leg and went through
several months of physical therapy. Luckily
we had disability insurance and it helped over the months that he was not
working. It helped but it was not enough
and we used our savings to tide us over during this time. The savings have
never been rebuilt since then and it is time that we start again. There are several places that have free
budget software.
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