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Falling off the Wagon

September 30th, 2009 at 06:27 am

I haven't written in a while - as you know, it's tough balancing a full time job, volunteer work, a family and a house.

When we find ourselves digging out, I also tend to discover that the budget has flown out the window. September has been a bad month. I spent more on coffee than I normally would, due in part to a toddler that has developed a sleeping problem. The tight schedule pushed grocery shopping to the end of the priority list, so we ended up getting take-out more often than I would like. I ended up going to the doctor and a specialist, so we got hit with two co-pays, and the co-pay for the trip to the ER with the toddler last month. My husband's lodge dues came up, the B.J.'s membership came up, and our membership to a local museum. Add to this an increase in day care fees, and the discovery that we owe two weeks of back day care (we pay by month, and I forgot that 2 months had 5 weeks instead of 4). To add insult to injury, we paid a babysitter so that we could talk to a kitchen remodel guy to find out what actually remodeling the kitchen would cost so we could start saving.

Oh, and we began refinacing the mortgage. Ultimately that will save us money, but it's added an extra layer of stress to an already dismal financial month. (And a modest and unexpected $400 fee.)

Just to add a little confusion, I stopped using Money to balance the checkbook and started using Mint. I'm still trying to figure out how to make that work for us.

Instead of wallowing in a sense of rising panic, I am determined to start fresh in October. We'll have to adjust the credit card debt reduction plan to reflect some charges to the card (like the refinancing fee), but we remain on track (mostly). The refinance is a good move, we're continuing to save for our goals and my husband put some hours in on his second job, which will certainly help the bottom line.

Hopefully, October will be significantly less exciting at our house.

4 Responses to “Falling off the Wagon”

  1. LuxLiving Says:

    Here's to a bright October!

  2. creditcardfree Says:

    Some months are like that! Good luck in October.

  3. Ima saver Says:

    September was a bad month for us too. Let's hope things get better.

  4. Jerry Says:

    I hate getting hit with insurance copays like that, but what can you do when you have to make a visit? It would lead to things being so much easier to plan out these little medical issues in advance, but alas... good luck on a smoother October!

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