Okay so we have played two kick ball games since I posted last, we actually won one, and lost the other, it was still a close game though. One of the girls that put the team together got some photos so she was kind enough to send them to me for the blog. Check them out...The scoreboard after our win, and the team :)
As far as school and work for us- Work for Dan was a great month he hit his incentive which means a bonus :) Besides the fact that he gets a bonus it's great because he was feeling really frustrated with work the last couple weeks so after he found out he was going to make incentive he took a couple days off to relax. School for me is actually going great, I have a quiz once a week in one of my classes and I am to a 58/60 overall for assignments and quizzes, and in another class I got an A on our first paper which we have three that will be added together which will equal our final, instead of a test. I guess I can't complain, so far so good! :) Midterms this week though and I am a littler nervous!
Now for the stuff I know you can't wait to read :) FINANCES!! :)
Well last week we paid off my credit card, and cut it up, $80.00 put to great use :) take a look!
We officially have completed baby step #1 which is putting $1000.00 in a separate savings account for emergency use only. This wasn't hard since we had our wedding money and tax money saved up. That puts us on baby step #2-Paying off the debt, snowball style. We have one down and a few to go, we don't have so much in credit cards and such like that ours is mostly student loans. This means we will probably be on baby step #2 for a little longer than most, but hopefully me getting another job and paying all that towards the debt and cutting other what most people consider "needs" out we will be on the road!!
Next week is bring anyone you want to the class week. If any of you reading this want to see what this class is all about for free, let me know, Dan and I would love to have anyone and everyone! The goal is to fill the room. The class is Monday at 6:30 and there is day care, so even if you have kids you can still come! This is suppose to be the hardest class yet, they say if you can make it through week 4 then we are on to something! :) Our homework for this week is to set up our October budget, the full budget, putting every name on a dollar, there should be no money left over. This is harder than we think, because well we aren't used to putting money away for a specific thing, for instance we don't save for car repairs, we just put money into savings, stuff like this is a challenge for us. October is said to be the key to your finances until April. Why you ask. Well, October there is a holiday, we like to decorate and buy costumes, and candy, November another holiday, We have to buy extra food, more decorations and such, that people typically don't budget for, then well December and Christmas has snuck up on us, and we didn't budget of a tree and gifts. People tend to think this is an emergency, then they put everything on a credit card, and that wont get paid off until at least April. Hence why October should be planned out to the last cent.
This is one of the forms, there is 5 pages to it:
We are on the right track for the most part, but I do have a confession to make, the wedding I wrote about in the last post, where I said I wasn't going to get a new outfit. Well, I did, and I did make an excuse, and this is how it all went down. The outfit I was going to wear was a skirt and a one sleeved shirt. Well thanks to the wonderful, unpredictable, Iowa weather, it was raining all day, and was about fifty degrees outside, I thought I needed something warmer, I found a skirt with tights and a long sleeve shirt. I have made a promise to myself that this will be the same outfit I wear to a wedding we are going to on new years. I did take a step back, but I also paid cash and didn't have to put it on card. Even though we do budget for clothes every month, I would rather save that money up and buy something really nice than an "ok" shirt once a month. Since we are trying to be honest with all of you about this whole financial thing I thought I would share that we do fall sometimes but we get right back up and go harder than before.
Thanks for all the support, and thoughts, and prayers!
Love,
Dan, Hollie, Tyson and Hershie :)
