Debts

Mortgage -$113,411.71 (-$239.70)
Land Loan -$8,969.19 (-$193.70)
Hospital Bill -$591.41 (-$75)

Savings

Roth IRAs +$25,287 (-$1,114)
401K +$50,619 (-$1,884)
Emergency Fund +$7,111 (+$235)
Animal Fund +$778 (+$3)
Car Fund +$220 (+$200)
HSA +$739 (+$51)

Overall: -$2,000.60

Market is down a lot. 

Car battery quit working and had to buy a new one, plus a rock hit my windshield and it will likely have to be replaced (happened on the same day), also need new tires sooner rather than later. Sigh.

Since my post last month about having strep throat (2nd time this year) I caught some sort of virus covid/flu and then I got pneumonia and had to get antibiotics again for the second time this month. Been sick nonstop for months it seems like. I really hope my surgeries will improve my overall health. 

At a financial dilemma with my surgery. I owe $2,700 but if I pay this week they will take off $400. I don’t have the money in my HSA so I would have to pull from savings which is making 4.5%. Or I can get a 0% interest two-year health loan.  Using my own money will cost me a loss of around $200 in interest I would have gotten over two years. So loan cost comes out to around $200 but I also have more reassurance because I won’t have to drain a large chunk from my savings. What would you do? Pay up front for the discount or use the loan for more stability?

Feeling kind of bummed about overall finances. If I budget just off my husband’s base pay without any overtime, or random side income, we barely make enough to cover just our basic mortgage/loans, utilities, and groceries. That is not even considering gas, tithes, or anything else. Thankfully we are averaging above that, but I never wanted to bank on overtime and now it seems we are running a very thin line. 

I really need to find a way to reduce groceries, but prices just continue to climb unfortunately. Considering trying to do a no spend month in November but I don’t see it as possible with the holidays and such. Maybe just an overall “do I really need this” discussion before every purchase. I'm not sure what to do, I just know this isn’t sustainable.