Today I didn't spend any money or use any gas! I stayed home all day. It was relaxing...didn't do too much. In fact I wasn't feeling that well. I think it may have been from the shrimp we ate last night. No one else in the family got sick, but I was really nauseous.
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I'm sending $70 towards the principal on my car loan tomorrow, since that is the amount I am saving since refinancing my mortgage. I will continue to send that every month to help eliminate that debt a little quicker.
I have to review my expenses/income a little closer for the last few months. I think I may be able to save more money per month than I currently do. Lately, it seems like the only money I have saved is income from extra sources besides my full-time job income.
Besides it seems like I don't have any goals for 2009 other than eliminating CC #3 and my car loan. I will then most likely begin tackling my student loan, but I don't think I will be able to pay it off in '09 (the balance is over $12,000).
If I don't continue to save any extra income (from Saturday jobs, Ebay, surveys, etc.) and keep it separate from my regular income, I'm concerned that I may be tempted to spend it. I think I should have a savings for both types of income because then if I sign up for a 0% CC promotion offer again, I may not have such a difficult time accumulating the funds at the end of the offer.
I'm open to any ideas that anyone may have to send my way!
Have a great evening!
NSD
January 2nd, 2009 at 12:40 am
January 2nd, 2009 at 04:05 am 1230869124