I have successfully kept up with entering all of our receipts into pear budget! I'm really proud of myself, because this is usually where our budgeting ends. I set one up, add a couple of things, and then never look at it again. I mean it still hasn't been a month, but the odds are better this time. Even Brett has been good and has actually been giving me his receipts.
All of this being said, we have really not stuck to our budget. I feel okay about this though, because everything I've read says that the first few months are all about keeping track and then adjusting accordingly. Eventually, we will know what are budget needs to be and where we can make cuts. Right now I know that I need to have a "family fun" category. We need money budgeted for our pumpkin patch expeditions, swimming lessons, instead of just shoving stuff into a Ashley/Brett play category in which I only allotted $15!
Anyway, I am still doing things with our finances, which is always a good start. This week I finished setting up our ING savings account and linked my student loan to Upromise. I've been meaning to check out upromise for awhile, and I finally did last night. I love that CVS, Kroger, and Martin's all participate. I love that the things I spend money on anyway will slowly help me to pay off our debt. I was able to link our debit card (and the credit cards we don't use) to the account too. I am interested to see how fast or slowly the rewards add up. I figure any some of money is better than none. Even if we are only talking $25 a year, that is still better than zero! We will see how it goes. I may recruit my mother and possibly my in-laws to start saving for my kiddos. If every time they use their debit cards to buy something, that qualifies, earns 1%, its still worth it. We will see what really happens with this.
So that's its for now, I'm just keeping track of our expenditures for the month, and Friday will bring another payday, which means bill paying, which will result in blogging. till then...
Wednesday, October 15, 2008
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