A Change of Plans....

Today is payday...woo hoo! DH proposed a change of plans which I readily agreed to. Instead of paying $1200 to the VISA, we put $1000 in a savings account for our emergency fund. I feel much better having that bit of money put away for a just-in-case cushion. As of right now, we've only paid the minimum payment on the VISA but we should be able to put a bit more on it. It all depends on a few bills that haven't come in yet...we've budgeted for them but don't have the exact amount yet. On Monday, we'll have one more week of babysitting money, so hopefully we'll end up paying another $250 or so on the VISA.

I did a spreadsheet this morning of all the payments we've made to debts since D-day. We've paid over $10,000 in about 7 weeks...that is including regular payments, tax refund, and bonus money. Wow - I can't even describe the relief that soon we won't have to worry about this last debt monster and we currently don't have to worry about the four other debt monsters we've paid off.

So....seven weeks is not that long of a time considering DH and I have been married for over 12 years. But as time goes on, my belief that finances must be done together is becoming greater and greater. This belief is pretty firm - you will be more successful if you do budgeting together and if you have goals together. I don't see how you can fill your potential if you do these things separately. What a difference it has made for us, anyway!