Saturday, January 31, 2009


For some reason, it just seems like there's less time in my weeks than usual. I have little time to get online, but I can't really figure out why that's happening. It is frustrating, though. When I don't have time for "me", I tend to be more stressed & overall less happy.

Money situation has been interesting. I made our first pass through the taxes, and it looks like we'll be getting about $30 back for Federal, but over $1000 for state. I have no clue how that happens. Seriously. But with that $1000...we will be sooo close to paying off the smaller of the BECC's!! That will be an amazingly happy day. We'll only have a couple of hundred dollars left after the tax refund. Wow..that just doesn't seem possible.

We will probably be doing a balance transfer on part of the bigger of the BECC's. We paid off Citi with the check we got this month, so that's open, and they offer BT's with 0% interest for 8 months. I'm not sure we could pay it off in 8 months, but 0% vs. 30% is a huge difference, even with having to pay a 3% BT fee. That would let us tackle the bigger BECC (the high interest one)with full intensity, probably paying only mins on the BT. Not totally Dave Ramsey-ish, but I think it would get us out faster.

This is the year for us on the debt!! That's so exciting. Then, we can save up part of a full EF, and start to tackle the student loans. That'll take awhile, and we'll probably divert some of that money to some house projects along the way, but there are things that need to be done here in the house that can't wait too much longer -- we have a leak in the roof that is ruining the hallway ceiling and walls, and it just needs to get done before the mildew & mold get to be an issue. That's #1, and we're not sure how much it's going to cost, but it's on the docket for the summer. We also need new gutters -- the leaks are getting very bad and are causing runoff in the basement. Ick.

Well, enough on that. I need to go plan my day out. :)


jpkittie said...

good for you! that is great about your ccs!

i know what you mean about not having much time in the day - i felt like I did not get anything done this weekend! oh well --- just keep going as good as you can, I guess, right?

Money Funk said...

Your header says it all! I really feel that like I have no time for anything. At least, anything personal. I have been trying to gather a quiet moment to myself for a few weeks now! Then my friend calls to put together a website for her, my mom calls to move boxes for her, work... well that is just a severe pain right now! Ahhhh! lol!

Well, work is sending me to Tampa, FL for a week conference. I will be BY MYSELF! WooHoo! No kids, no husband (love them all dearly don't get me wrong), no friends, no interruptions. ahhhhh Thinking about booking an hour massage ;)