Sadly, she hasn’t gotten into the mindset of saving for emergencies yet. She even bought an Infinity(used, but with payments) last year. I tried to talk her into paying cash for a cheaper car to get by in the meantime, but she chose to ignore my advice. Don’t get me wrong – it’s a beautiful car, but not what *I* would have done in the same financial situation.

You might have noticed that

I’m not as chatty as normal lately, that’s because my entire family has been in a huge deep cleaning mood and I find myself more interested in culling things than chatting right now. This too shall pass I am certain.

As a result of this deep cleaning urge dh purchased me an early Christmas/birthday gift, while it was on sale. A new Wind Tunnel vacuum. It is the first new vacuum I’ve had in roughly 25 years. The one he had brought up from the garage ate belts like there was no tomorrow, about 1 an hour. It didn’t take us long to figure out that could get VERY expensive, very quickly. So when these wind tunnel ones went on sale, he purchased me one.

We couldn’t believe how much it sucked up from a carpet we’d vacuumed just the day before with the old sweeper. Ds was so impressed with the sweeper he went and purchased him one for upstairs on the same sale. We’ve been vacuuming fools ever since and still at it. It’s a bagless, and we’ve been dumping the cup on the garden to add to the layers for next spring. At the rate we’ve been going we’ll save the cost of the vacuums just on not having to purchase belts, bags and garden soil. LOL!

We need to spend a “run weekend” this weekend ie: a run to the dump with both trucks (it’s been over 6 months since our last trip), a run to the recyclers, a run to the charity drop off. Where do we get so much stuff when we aren’t buying anything—except the two sweepers and burn our burnable trash?

I’m still plugging away at the Best Buy bill and running budget numbers constantly to make sure we are on track for our total credit card payoff by early summer. It’s coming together so well I worry Murphy is going to sock it to us bad when we least expect it. I’m definitely not counting my chickens before they hatch, but for those of you who have doubts about your own debt payoff plan, do know it DOES all come together a lot faster toward the end. Our basic snowball money is letting us make triple payments on BB right now and that’s besides the extra sweet feed I’m giving the gazelle. A bill really drops quickly when you are making triple to quadruple payments on it each month.

We have so many variables in our budget between now and January 31 that could make a huge difference in how quickly we get cc debt free I’m nervous about it. So I keep checking balances, projected budget and such almost daily.

While we have loosened up a little on the purse strings about eating out, we are limiting it to once a week and it’s generally off the $1 menu or with a b1g1 coupon or both. LOL!

Sunday we needed a break and the weather was gorgeous so we spent a little on fuel and drove the back roads to run our errands instead of the shortest route. It was nice to just enjoy the day, even if it was running errands. We are planning another staycation as soon as the trees start changing color good. We’ll do a fall foliage tour complete with a picnic lunch and maybe going to play dominoes at dbil’s while we are out.—Big plans right? It works for us. LOL!

Did three blog posts this last week. If you missed them the final one refers to the other two with hyper links to them so you can click on the link below and get all three.

IF you only pay bills

and IF you can pay it off every month, and IF the cc company doesn’t screw you over, it might be ok. However, I’ve heard Dave say, “If the only way that is works is if everything WORKS, then don’t do it.” So I’m sure it’s possible(I have a friend who pays off her card every month). But last month she charged $1900 worth of stuff. She paid it off, but now she’s cash-strapped for a couple of weeks. *I* think that having that credit limit tempted her to buy more than she would have if she had to pay CASH for stuff. But I refrained from lecturing her about it.
If you do it, good luck. I may have to make a similar choice next April in order to be able to rent a motorcycle in Reno…my only other choice is to take $1500-$2000 cash to the rental place for the deposit, since they won’t do a debit card.