My confession is that no matter how hard I try, I cannot figure out budgeting. I've tried using Mint but that still doesn't help. One month we will have a thousand extra in our account, the next month we will be negative 2k. It never seems to even out. I don't know what's going on.
My confession is that no matter how hard I try, I cannot figure out budgeting. I've tried using Mint but that still doesn't help. One month we will have a thousand extra in our account, the next month we will be negative 2k. It never seems to even out. I don't know what's going on.
Unrelated, did I miss if your testing was rescheduled? I am keeping fingers and toes crossed for you
My confession is that no matter how hard I try, I cannot figure out budgeting. I've tried using Mint but that still doesn't help. One month we will have a thousand extra in our account, the next month we will be negative 2k. It never seems to even out. I don't know what's going on.
Unrelated, did I miss if your testing was rescheduled? I am keeping fingers and toes crossed for you
I ended up driving out of state to test last Monday. I will be getting my score back on Wednesday. So nervous!!
I stopped trying to follow a budget after we moved. Spending has been out of control and I don't plan on revisiting it until after our vacation. The vacation is probably going to end up about twice as much as I originally planned.
I think I'd go on vacation in your case. Just make it a budget vacation. Use the miles to fly, stay somewhere inexpensive (I love AirBNB....), and treat yourself to a couple of nice meals or whatever but try to just watch overall spending. Vacation doesn't have to mean blowing a ton of money, but it is definitely a great thing to do during a stressful time in your life.
I guess my MM confession is that I still owe like $500 on my CC from when I went to Europe...in fall 2013 It will be paid off January 1st but it's dumb that it's hung on this long. In all fairness I think I put a few other things on that card (like a car repair) so the actual trip has probably been paid off for a while now. But I am not thrilled that I've been carrying CC debt for over 2 years. That was not my intention! At least it's been on 0% APR cards the whole time (I did a transfer at some point).
I totally think you should go on vacation. You have been through too much lately.
My confession is this baby is coming in less than 4 months, and I haven't worked out any sort of budget. I'll be taking all 12 weeks off with half completely unpaid, and DH is taking an unpaid month off. I'm pretty sure we are going to eat our savings, and then we'll have to figure out how to rebuild while paying for daycare. I should be more stressed about that... but I'm not.
I don't really have a budget worked out either. I have the money saved but it's a ballpark. I'd rather not think about how much she will cost us otherwise I'd cry.
We bought our house anticipating raises in the coming years ::gasp!::
I had just started SAH and we bought a house for 2.5x more than our last house and my H took a significant pay cut just before we bought.
It's really not as exciting as it sounds. We still probably only pay 25% to PITI and have always lived so far below our means this was really pearl clutchy for us.
I totally think you should go on vacation. You have been through too much lately.
My confession is this baby is coming in less than 4 months, and I haven't worked out any sort of budget. I'll be taking all 12 weeks off with half completely unpaid, and DH is taking an unpaid month off. I'm pretty sure we are going to eat our savings, and then we'll have to figure out how to rebuild while paying for daycare. I should be more stressed about that... but I'm not.
I don't really have a budget worked out either. I have the money saved but it's a ballpark. I'd rather not think about how much she will cost us otherwise I'd cry.
I have 6 months fully funded saved. I'm hoping that's enough, but I don't want to do the math for the same reason.
DH & I spend entirely too much on beer. We have been bigger drinkers the last like five years but we have easily multiplied what we are spending per month by at least five. And we live in an area where really good stuff is difficult to get. And I wasn't a beer drinker till about a year ago.
sfy my DH turns 40 at the end of this month. He doesn't want vacation (which would be perfect since DS is off school since my dad watches him when we go away and he's 4 hours away) and he doesn't want a party. We usually go out with a few friends for dinner so that's not anything new or special. I have no clue what to do.
DH & I spend entirely too much on beer. We have been bigger drinkers the last like five years but we have easily multiplied what we are spending per month by at least five. And we live in an area where really good stuff is difficult to get. And I wasn't a beer drinker till about a year ago.
sfy my DH turns 40 at the end of this month. He doesn't want vacation (which would be perfect since DS is off school since my dad watches him when we go away and he's 4 hours away) and he doesn't want a party. We usually go out with a few friends for dinner so that's not anything new or special. I have no clue what to do.
My friend basically talked me into the party, but I am going to give myself a few days to really decide. Is there a big gift you think he would like instead of doing something?
DH & I spend entirely too much on beer. We have been bigger drinkers the last like five years but we have easily multiplied what we are spending per month by at least five. And we live in an area where really good stuff is difficult to get. And I wasn't a beer drinker till about a year ago.
sfy my DH turns 40 at the end of this month. He doesn't want vacation (which would be perfect since DS is off school since my dad watches him when we go away and he's 4 hours away) and he doesn't want a party. We usually go out with a few friends for dinner so that's not anything new or special. I have no clue what to do.
My friend basically talked me into the party, but I am going to give myself a few days to really decide. Is there a big gift you think he would like instead of doing something?
There's a bbq class he sent me awhile ago. It's with a guy with his own restaurants, has competed and is a judge on tv events. The only thing is right now they only have Jan and March listed and I'm worried about weather. Plus I would rather do it in the summer so we can all go bc it's four hours away and starts at 5 on Friday. So basically I'd be giving him an IOU which is a little anti-climactic
My friend basically talked me into the party, but I am going to give myself a few days to really decide. Is there a big gift you think he would like instead of doing something?
There's a bbq class he sent me awhile ago. It's with a guy with his own restaurants, has competed and is a judge on tv events. The only thing is right now they only have Jan and March listed and I'm worried about weather. Plus I would rather do it in the summer so we can all go bc it's four hours away and starts at 5 on Friday. So basically I'd be giving him an IOU which is a little anti-climactic
Ah. One of the ideas I had was like this (golf related). I agree, it is anticlimactic. Well, I wish I had other suggestions, but I don't, which is why I'm so stuck on this dinner myself lol. Good luck--I'm curious to hear what you end up doing!
We went to Canada last weekend with friends and bought ALL THE WINE. The whole country is on sale! But then there was fraud on our Amex and DH had to verify each winery charge on the phone lol. There were probably like 25 of them. I am so glad that card is not in my name haha.