So, Jordan and I have made plan to get back on track before Christmas hits.
- Cancel allowances for the next three months
- Increase our day-to-day spending by $50/week
- Put $50/week in savings for Christmas
- Continue to pay off Credit Card
We had talked about increasing our day-to-day spending weekly allotment once the card was paid off, but our sense is that it's not getting paid off because we're using the credit card to help supplement our day-to-day spending. The theory is that we'll use the credit card less because we're giving ourselves a bigger spending budget - in the meantime we'll cancel our allowances (which neither of us have been spending much of lately) and re-direct that to our credit card.
On another positive note, our automobile insurance just went down - woohoo!
That's weird. I commented yesterday! Every little win helps!
ReplyDeleteagree with the above commenter - you made a plan & saved extra money, so that was step one. Next year, you can have more insight into how much you spent this year, & determine if that's the right amount to save, or if you want to spend less, etc. It's a process & you're learning! :-)
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