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Productive Day

February 20th, 2006 at 02:38 am

We didn't go anywhere today (although I need butter and don't know what I'll do for b'fast tomorrow without it).

Instead, we stayed home and cleaned some. MIL is coming to town on Saturday, so we want to have the house looking as settled as possible.

While I was cleaning, I decided to set up amortization schedules for the ccs, the car and the house. I got the ccs done. If we continue paying the little bit we are now, it will take 2 years to pay off the balance. If we step it up a notch, we can pay it off in 1 year. If we work at it and put all that we can scrape, it will be paid off in October. I showed DH the spreadsheet and he's agreed to work with me to get it done.

I started the car's schedule, but the statements we get don't give the interest rate. I tried to figure it using their figures, and ended up with 2 different rates (I had 2 different statements). So that's frustrating.

Then I went through the cc statements and updated our expenses this month (dh doesn't always give me his receipts). We are $5 over the grocery budget already and milk is low and butter is gone. Part of the reason we are over is that dh did a stock-up when he was travelling, so we have stuff that will last us a couple of months. I suspect part of it is higher prices, but I'm not sure where all my receipts are to check.

Looking at the current expenses, we are on track to have enough money left in the bank to send a good sized payment to the cc this month.

Next month will be a little harder, we'll need to be sure to set aside the money for taxes. But, I think dh is finished buying for a little while. I think. I could be wrong. I know he wants one more chair before his mom gets here, but we may just pull the futon out of the front room and move it into the family room for now.

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