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YNAB & My Budget

August 25th, 2014 at 02:13 pm

YNAB is going well so far.

I have been staying in budget for everything, except for groceries! Yikes. I did really good only getting what we need, but the fact is food is expensive, especially dog food!

We are already $30 into our food budget for NEXT week, and I need to go pick up some cheese and sour cream for dinner tonight. After that I'm making it a goal not to buy anymore groceries until Friday.

I did manage to save myself some money! I called the car insurance company and had them shop around for a cheaper plan. They found one for nearly $400 less a year! Whoot whoot! Now I only need to come up with around $165 before Oct.

Put the first $127 of my school bill on the credit card. Only 2 payments of $112 left.

Paid $185 on my credit card today. I only need to pay $15 next week to pay off the statement balance, but I am going to continue to pay it down to $0. I'm tired of having a "balance" on there, even though we don't get charged interest.

Just trying to manage until husband gets paid again. 3 weeks seems like a very long time away.

4 Responses to “YNAB & My Budget”

  1. creditcardfree Says:

    That is a great savings on the insurance! Good for you for checking it out.

  2. bluesfemme Says:

    Yay you too!

    I also don't like having a balance on the c/card, as for me it's too easy then to think my savings balance is mine, rather than for delayed outgoings. I worked out I would earn about $250 a year if I kept the money for longer in savings - but I would also probably spend money I shouldn't. Best of luck for that stretch 'til his next payday....

  3. snafu Says:

    glad YNAB is working for you. Do you have a separate line item for dogs? I ask because they were chosen for their innate herding trait, therefore part of your goat business. Their expenses are possibly a tax deduction against income from goats.

    As I look at how FICO [credit scores] are assessed, it seems to use how you use CCs. As I understand it, if you payoff charges before they are billed, there is no benefit score-wise. The point is to pay the billed balance by it's due date. To be on the safe-side, two business days before due if paying via your bank's/CU electronic system. You've excellent judgement and I have total confidence that you'll maintain accounts for your personal benefit.

  4. rob62521 Says:

    Super job on saving on insurance.

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