final budget check-in for JANUARY ❄️ making debt payoff progress!!✨ clean with me & cozy money chat
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- Опубліковано 6 жов 2024
- This was a tough month with unexpected car repairs and an ER bill, but despite it all, I still managed to make some progress on debt payoff… only $11k more to go 😩 Really hoping that February brings good news!
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Welcome to Ordinary Everydays where I talk about budgeting, personal finance, and debt payoff with lots of cozy vibes. I started this channel to help motivate myself to get out of a cycle of bad credit card debt and help educate myself about budgeting and investing. I want to hold myself accountable to get better at money and achieve my financial goals. In the meantime, I also share little moments of my days and seasons. I love looking for the little moments of joy in the everyday.
If that sounds like your cup of tea ☕️ please subscribe to follow along and leave me a comment if you like!
💌 ordinaryeverydays@gmail.com
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Hi everyone, thanks for tuning in! ✨✨ how are you doing with your money goals?
Hope your husband's job interviews went well. Wishing u both all the best! Take care!💜
Thank you!!
It had to be stressful to handle most of the finances! Sending prayers and good vibes for hubby’s job! ❤
Car repairs are always frustrating. I’m glad you could cover it.
How awesome that you almost have one car paid off 🎉
Yes, crossing my fingers! Thanks for your kind comment ❤️
When assessing monthly expenses and the budget during months with large unexpected expenses you dip into the emergency fund for - calculate 2 sets of numbers. Spending actuals against the regular budget versus spending actuals including the emergency fund/ savings items.
Check with your insurrance company. If we go to urgent care first and they send us off to ER, all we pay are the ER bills. The insurrance company has always paid for everything done at urgent care 100%. Further, urgent care can call ahead with thier findings and we get slotted in quicker at most ER's.
Just starting journey and I’m just glad that Jan is finally over. Good luck on the interview!
Thanks for watching! And ME TOO oh my goodness. Hopefully we don’t have another month like that anytime soon!
Great job on your overview. Car repairs are very expensive and having the money is a lifesaver. Going to urgent care is cheaper and will save you money. I spent a lot in January too. 😊
Thank you!! Yeah lesson learned about the ER 💸. And yes, having cash on hand for emergencies is such a relief!
Hi! Wow, january was not kind to u, i hope your february budget is going better. I hope your husband is able to land one of the job's hes been interviewing for. Thanks for sharing 😊
Thank you! It was pretty brutal 😵💫 but I’m sure February will be better ❤️ thanks for watching!!
My youngest child will be graduating this year from University. In Canada, we put into RESP's ( Registered Education Savings Plan) for our 3 children after they were born. Our Government would put in a certain percentage each year as well. This helped them cover their tuition costs and books. Also, they worked while going thru school to cover rent and other costs. Whatever u can do can help them in the long run. Even cutting back on your groceries by $50 and putting into their education funds will help. Our children all graduated with no student loans.
Yes, I think I will slowly ramp up contributions until I find a good balance. That’s amazing that they had no loans! College in the US is so pricey but I hope we can cover a good chunk and hopefully they get some scholarships too. I also worked my way through college :) I only had $15k of loans so they got paid off quickly but the cost of tuition just keeps going up.
My oldest child is an X-ray Technician at the hospital. It was a 2 yr program and it cost $15,000. It's a good job which includes medical Benefits and Pension. There are other less expensive options than a 4 yr University Degree. Yes, education in the States is very expensive. Thanks for sharing! I enjoy watching your budgeting videos. :)
You are swinging back n forth but making it on your salary. When your husband gets a paycheck coming in, consider setting aside a couple of months' of his income to use as catch up; and squeeking by on yours. Maybe you replentish the @$1500 of savings taken out this month. Maybe you aggressively attack his debt, finish paying off the car, or else wise attack debt. You've done some calculations on the kid's college funds, maybe you devote a paycheck or significant portion of one for some cash infusion to the college funds and more dollars of passive income there going forward.