Sorry It's Been a Month!

Again, it's been another month... I'm sorry.

For most people, summer is relaxing and the season when they have more time. For me, as a teacher, summer is crazy. My work out routines get interrupted, my eating patterns are all off, and so are my finances.

Summer is when I don't have to have a schedule. And I don't.

We have traveled a ton this summer. The Boy and I went to Japan for 10 days, The girl went to Paris for 10 days, The girl and I spent a week in Oregon visiting family, and all three of us spent a week in San Diego visiting my best friend from high school. Sadly, The Husband wasn't able to come for any of it... :(

All that travel has made havoc with my schedules. Including my budgeting. I didn't even write a budget for July, which is awful. On the plus side, however, I did make sure to pay my bills and then paid for a ton of things with my debit card.

Debt is still my enemy. And debt is still winning our battle.

I had some epiphanies over the summer, though. After The Husband's payday this coming Friday. I am getting back to the envelope system. I am also taking my credit card out of my wallet. I'm not going to go to the extent to freeze it like some people do, but I am going to make it less accessible.

I don't even have a debt update. I have some work to do before I'm willing to post numbers again. That right there should tell you something about where my debt stands. I'm usually willing to share the numbers: the good, the bad, and the ugly.

The one plus side of our finances is where we stand in regards to what we owe our kids. We borrowed $1500 from each of our kids over a year ago. Our payback has been SLOW but steady. We pay them back $50 a month. Each kid has been paid back $950. We have almost paid back 2/3 of what we owe them. I know I still have work to do there, but we are seeing progress.  The kids know that we borrowed money from them, and that we are paying them back. However, I have felt so ashamed that we haven't taken them to the bank to deposit their savings in FOREVER! Once we get them back over the $1000, I want to take them to deposit their savings... so pretty soon.

Anyway, not much of an update, just talking about date.

Until next time.