Things I need to plan for in August are: back-to-school haircuts, school pictures, ring repairs, and a soccer tournament for me.
We have plenty of money in our "hair" envelope, so haircuts will be covered with that, with plenty of money to spare.
School pictures should also be covered out of our school envelope. However, we might have more costs associated with back-to-school than we think. The Boy is starting high school this year and I'm not sure if there are any related costs. We haven't gotten much information from the school which is frustrating! My friend also has a kid who is going to be a freshman and she feels the same way: that the lack of communication or information is ridiculous! I guess the only saving grace is that neither of us know any information.
Right before my trip to Japan, the shank on my wedding band broke. I took it into a jeweler to have it fixed and the estimate for that is $350 plus tax. However, on top of that, the prongs on the diamonds all need to be re-tipped and that's another $450. Yikes! I also brought in another ring, but to fix that one will only cost $65. Due to this unexpected expense, our debt payoff is going to be very negligable this month. :( Most of the money that would have gone towards debt payoff now has to be diverted to paying for the repair costs for my rings. It's totally worth it because it's my wedding ring, but it's also totally bad timing.
The bonus to all of this is that we will be able to afford it. I will just fund less money into all my envelopes and less money towards debt... And I will not be putting the purchase on my credit card,
I feel like now that I have recommitted to debt payoff, expenses are coming out of the woodwork. I know that is not true and that the reality is that the expenses were there but now that I'm focusing on paying off debt again I'm just more aware because I'm not putting anymore on credit!
Hopefully I've thought of all our unusual expenses for August and there are no surprises throughout the month. But even if there are, we have an emergency fund (for real emergencies) and we can just adjust our budget. No more credit. We will make it work.
We have plenty of money in our "hair" envelope, so haircuts will be covered with that, with plenty of money to spare.
School pictures should also be covered out of our school envelope. However, we might have more costs associated with back-to-school than we think. The Boy is starting high school this year and I'm not sure if there are any related costs. We haven't gotten much information from the school which is frustrating! My friend also has a kid who is going to be a freshman and she feels the same way: that the lack of communication or information is ridiculous! I guess the only saving grace is that neither of us know any information.
Right before my trip to Japan, the shank on my wedding band broke. I took it into a jeweler to have it fixed and the estimate for that is $350 plus tax. However, on top of that, the prongs on the diamonds all need to be re-tipped and that's another $450. Yikes! I also brought in another ring, but to fix that one will only cost $65. Due to this unexpected expense, our debt payoff is going to be very negligable this month. :( Most of the money that would have gone towards debt payoff now has to be diverted to paying for the repair costs for my rings. It's totally worth it because it's my wedding ring, but it's also totally bad timing.
The bonus to all of this is that we will be able to afford it. I will just fund less money into all my envelopes and less money towards debt... And I will not be putting the purchase on my credit card,
I feel like now that I have recommitted to debt payoff, expenses are coming out of the woodwork. I know that is not true and that the reality is that the expenses were there but now that I'm focusing on paying off debt again I'm just more aware because I'm not putting anymore on credit!
Hopefully I've thought of all our unusual expenses for August and there are no surprises throughout the month. But even if there are, we have an emergency fund (for real emergencies) and we can just adjust our budget. No more credit. We will make it work.
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