I think I know the answer already

[InvaderGIR]

I just updated all of our accounts to come out of our checking account instead of from the credit card. Obviously we weren't paying off what we put on them each month, but it's better to just have payments come right out of our bank account than from the credit cards and then paying them off at this stage, correct?

[Deleted]

Yes. That way you won't put off paying them back and ending up with more debt.

I hope things are going well with your budget- you should post an update sometime soon!

[mollz007]

Way to go! That is definitely a step in the right direction!

[InvaderGIR]

thankyou! We actually did follow a lot of the suggestions in the nest post, and I have it saved and look at it every day as a reminder. We took all the credit cards out of our wallets and put them in a desk drawer, decided to count netflix and xbox as fun money expenses instead of part of the budget, and I'd have to look it up but we were able to cut something else too that gave us a boost on savings this month We're still going to look into second jobs, but having this first week go so well made me feel a lot less hopeless and like we can do this.

I do still need to call and ask about paying only interest on all our student loans, but we've decided we're going to have an official budget review meeting every two weeks and go on a date afterwards to make it a positive experience that we look forward to. We started a list of free date ideas and already have some fun stuff lined up. Next week is a local concert I definitely plan on sticking around this place for the encouragement or requesting further kicks in the ass, as needed.

[Roc A Bee]

Nice! Great job.

[FishChicks]

Good for you! It can be hard making a new budget work, so great job getting started.

[phunluvin82]

Good job!!