Some things I forgot to mention last week when I Was stressed with money outflow was that BM had a potty accident in bed (extremely rare) and dh melted the mattress pad in the dryer (gah). He felt really bad but I Was annoyed. I am sure it was a good $20-$30 - fancy waterproof whatever... So will have to replace that... Haven't yet. Not even sure if it is necessary to get such a waterproof one. I should just be grateful it didn't ruin the dryer or anything like that.

On the PLUS side, went to change dh's oil and there was an angry customer making a fuss. The oil change place was embarrased and insisted on giving me a $10 discount for witnessing that. I'll take it!

I also was going through the November numbers because I know October credit card bill is ugly (& one more week to go). I was stressed as I saw a big fat negative, when I finally realized I had shelled out $250 to AAA and Life Insurance. I decided to pull those from short-term savings. Since that was the plan all along. It just flew under my radar until I looked harder. It was a good $150 lower than usual preschool month and it was freaking me out how we could be in the red for November. Gah. Looking rather breakeven. Not sure how December will pan out. I think dh and I Will have to consider any Christmas money carefully. We tend to deposit it for our respective allowances, but we have already spent some money we intended to replace with Christmas money. SO I wouldn't be surprised if most our Christmas money goes to replenish our short-term savings. Dh is just getting out of the red, so we'll see how he feels about that. LOL. He spent his entire years' allowance pretty much on his PS3. I know he is antsy to buy some Blu-Ray movies to watch on it now. OF course his family is big on wish lists so he can ask for all the movies he wants and will probably be fine to funnel the cash to the household.

I also HAVE TO remember to pay the mortgage by December 31. I have gotten in the habit of waiting for the grace period and paying after the first (ever since dh took my "slush" to buy his beloved TV). Anyway, I was thinking today I have to remember orelse it will screw me up tax-wise. I was pondering when I would get my final paycheck and realized 12/31. Wondered if the bank would even be open once I got my check and all that. Then I Realized I am a dummy. I can just transfer some money from savings on the 30th or something, pay the mortgage, and transfer it back when I get my paychek deposited. Phew. (& now that I think about it I will probably have plenty of Christmas money to cover an extra mortgage payment in december).

Anyway, so yeah, it is official, I have an extra $200k coverage on my life. I feel better about that. Will keep just until both kids are in school or dh is working or something. We'll play it by ear. But overall look at it as rather temporary. But gives me further peace of mind.