I don't have much to report. I went to lunch today. Thought that I left my debit card at work, so I had to use a credit card. Only to realize when I got back to work that my card was at the bottom of my purse. Grrr! So I went online and made a payment to my credit card to cover the cost of the lunch plus a few cents.

There is not much going on financially. Got paid today and everything is set to go out.

Oh, and husband needs a car. Truck is not driveable. Too cold to ride the motorcycle. He is driving another moving type truck we have but the gas is killing us. Our bank is offering us 3.7%. So we are going to see what we can do.

My DH was able to put the water heater in last night. And we had to change some pipes. We paid $342. I had $110 in a "jar" for the house, so we took the rest from savings.


I finally got an insurance quote on our house. For more coverage than we currently have we will be paying about what our original rate was - saving us almost $700 for the year. That's a good thing. Just have to wait for their inspection.


Not having as much pain with my tooth. Going to have to look at the budget to see what I can figure out to pay for the root canal. I'm guessing it will be at least $300 out of pocket.


DH needs special inserts for his shoes...and of course insurance won't pay at all. Those are $245.
So added to the dentist that is 545.00. And I need new tires. That should be another $400. Total = $945. With my savings down to $700, I am a little worried about how I am going to come up with that. Garage Sale in March. Count change? Sell a kidney on the black market?

Well I hate to come on here and vent, but jeez. Water heater went out last night. We had to buy one today...$350 after we got a discount. Husband's car is still out of commission. We have had to shell out some cash on that. I had to go to the dentist today. They couldn't find anything wrong with the tooth that was hurting.....but surprise...I need a root canal. On a totally different tooth that I didn't even know I had a problem with. And I have a funeral Thursday. We lost a coworker. Its really sad, but what can you do.


Savings is a little depleted. I feel a little defeated. But I'm still trying.

Well, I just got our electric bill. YOWZERS! I thought we were being good....I was wrong. That ice storm really killed us. Our bill is $61.00 more than our budgeted amount. I have enough cushion in our household account for the difference, but I was hoping for it to go the other way this month. I need to find us some cost cutting actions this month!!


And I am the only one getting weird ads on the SA homepage? I had an ad with half naked cartoon girls???? What the heck does that have to do with debt and savings and such??

Surely I am not the only one that feels overwhelmed this time of year. Its hard to not jump on every bandwagon...lose weight, save more money, cook more, shop less, have more me time, work harder, be more organized. My head feels like it is going to explode just thinking about it!


I am allowing myself this week to catch up and line up my money. (Adjusting from when family was here.) Tomorrow I will make my basic credit card payments and student loan payment. But nothing to write home about.


I think I just want to be a better me this year. Work on my financial goals and work on being positive. Positive out = Positive in....right.

I am very excited to start a new year. I stretched myself a little too thin financially while my family was in town, but I can recover. I have 6 "goals" for 2014.


*** I know its not much, but I want to put 1K in Savings from my payroll alone. Of course I want to do more, but that is a starting point.
*** Pay off my credit cards by September
*** Pay off my personal loan by Septermber
*** Find new home insurance. Ours went up and I am disappointed in the company.
*** Coupon as much as possible
*** THINK. Think before I buy. Think before I speak. Think before I plan. THINK.


Can't wait to see what everyone else has planned.
HAPPY NEW YEAR!