Boy was last week an expensive week around our house. I took our dog to get spayed on Thursday - $609.00. It was more expensive than usual because she was over 1 yr and over 100 lbs. (We had been advised by both breeder and vet to not to get her spayed at the usual 6 months of age.) I new this would be an upcoming expense so I have the money already sitting in the savings account to pay for it. I put it on my cc (no balance carried on this) to get the reward points but it will be paid in full when the bill comes in. Then our car insurance, homeowners insurance and additional liability policy were all due to be paid this week. We do not have the bank escrow for taxes and homeowners - I prefer to pay ourselves - makes me more aware of what we are spending on it and work to keep costs down. Anyway, that added up to at least an additional $1500. Actually would be more if I paid the entire car insurance bill at one pop but I pay it quarterly right now because I do not want to totally deplete our emergency fund just for this. Again, I new these expenses were coming up so I had worked hard to set aside the money in advance. While I hate paying large bills, it feels so much better knowing that we have the money to pay them and are not depleting savings to do so. This time last year DH was still unemployed and these bills all had to be paid out of savings. This year our savings is lower (it was depleted by the unemployment period) but I am working hard to get it back up there. Progress seems slow at times but it is steadily inching up and I am working extra hard to make sure to set the money aside for all new expenses rather than having to pay out of savings. Oh, I almost forgot. We took DH's truck in for inspection last week also. That plus an oil change and a few minor things on the car cost $191.00. I put that on the credit card also but I will be getting paid before this bill is due and will also have the money set aside. Now my goal is to somehow set aside, or even better, earn extra for 4 new tires for my car and 2 new for DH. All of our tires passed inspection but we will both be needing new ones in the next 3-4 months. So, my goal will be to have the money ahead of time. I am going to try to re-energize myself to sell more of DH's car care accessories (that he sells at the flea market) on E-bay and earn enough for at least a portion of the tires. I figure if I blog about this goal, I am way more likely to seriously work to make it happen.
Last Week: Expensive but Paid in Full
September 17th, 2007 at 01:07 pm