Tuesday, July 28, 2009

Well It is Done :(

I blew every bit of my snowball this month. It was not ALL due to the budget mess up. Actually half was due to the budget screw up and the other half was because we are SICK around here. I have a pretty severe case of bronchitis that apparently required 4 different medications and my daughter was put on a prescription decongestant. All together those 5 scripts were $103!!! Yes that is with insurance... two actually. I haven't gotten the bill for the visit yet. I think it should be less than usual because we shared a room.... that is not going to happen though.

Anyway, I probably could have found a way to pull this money from some other little sub account I have somewhere, but I thought it was important that it came from a place that matters to me the most. I want it to SINK in that I HAVE to be more careful. I still haven't figured out exactly what I did though. I was wrong about it being something with the daycare checks. They have all cleared as normal. So it was something else. However we took a vacation this month and had a money saved specifically for that and we made a lot of purchases while on vacation so it is almost impossible for me to go back and find out exactly what happened.

I guess all I can do now is try to do better this month and from here on out. I am also considering going back to contributing to my 403b again. I have not been since the baby was born due to the high cost of daycare, but I think it is about time to start up again just not quite as much as before. I get so sick now when I those chart showing what would happen if you were to save so much for say 5 years and then quit early on in life... like say around 20 years old. I WISH I had done that then.... if you are 18-20 and reading this PLEASE put that money away for yourself!!! On a good note my retirement account is beginning to recover quite a bit. I knew it would happen which is why I WISH like heck I had been able to contribute these down months, but what can I do now?

I will probably wait to make a decision on my contributions until the end of August which is when I will see my raise for this year. I have decided that as soon as my car is paid off I am going to start another auto withdrawl into my emergency fund account to start a kind of car replacement fund. Lots up plans for the upcoming months!!

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