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October Wins...

October 30th, 2008 at 07:42 am

I think October will win for spendy month of the year. Well, I hope it does. I don't want a spendier month!

Yeah, our months have averaged $5k/month spending, but this month looks like almost $6500. UGH. ($1500 being dental bills - is the culprit. But we had a LOT Of other stuff going on - so it is a little overwhelming as I pay all the bills).

I entered all my November bills in Quicken to get an idea where we were at. & I updated all my totals to the left.

Short-term savings is bulking up - all will pretty much go to property taxes & homeowners insurance in December (will be $3500 in then, for a short time before the account is obliterated).

We've exhausted the fund so any more car repairs this year will have to come from mid-term savings. I was up to $3k for a short time, but it dipped down with so many expenses. $2400 for now. Haven't posted interest yet, though. Will be a few bucks only; my CD has expired and my balance transfers have all been repaid.

Medical fund sits slightly negative. I obliterated it for dental bills. Any further dental/medical will also have to come out of mid-term. I think I will be lucky to have a dime left in the mid-term fund, come January 1.

Will make a more noble effort to build it up next year.

Mortgage balance dipped below $207k. $205k is the next goal of note. Then $199,999. Another 18 months for that one! Dh is holding out for when interest is less than principle. But that's like a decade - I need some more immediate things to look forward to! I am sure I can get a cheerful response from him when we dip below $200k though.

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Today is going to be one hectic day. I got some dry hack cough. Any home remedies? Ugh, it's driving me nuts. I am going to sip on tea all day, and have some hard candies. Right now slowly sipping orange juice seems to help. Keeping the throat lubricated. I guess fluids are good. I think my allergies have crossed over to virus. It's hard to tell - the symptoms if I look them up are the same for allergy. But it has taken a nasty turn. My spring allergies usually consist of little more than a runny nose, sore throat, itchy eyes. For now my sinuses are clearing, but the cough is nasty. At least my eyes have been fine. Itchy eyes are the worst.

The weather is cooling off during the day but interestingly warming up over night. So it is predicted more 70 day/50 night. As opposed to our quite odd 40 degree nights and 80 degree days. I am not sure what it means for the heat front. Loss of sun, which largely has been keeping our house warm. So though it will be pretty mild overall, the house may cool considerably. Right now with all the warm/sunny days the house is at 75 degrees at 8 am. Looks like it didn't go below 50 degrees last night.

We'll see!

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Oh yes, yesterday was a NSD but for a $3 haircut for LM, at BEauty School. Long overdue.

All the NSDs in the world haven't helped me for OCtober. Wink I guess because most our spend days were extra spendy.

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ETA: I answered my own question. Walked BM to school and considered bringing juice along. Thought I'd be miserable but the exercise and/or crisp/cool air "cured" me. The long drive in the car to preschool brought back the cough. Bah. Will take some walking breaks today if need be. Overall, much better.

I almost fell over when I saw $2.50 or so gas at the Valero. Chevron by my office - the meter for expensive gas - was a mere $2.60. Considering it was still $3.30 solid last week, at the cheaper stations, I was shocked and pleased. !! A dollar drop in a week. Now I can play along (I've been jealous of all your posts about cheap gas!)

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