November Budget: Playing with Numbers
I’ve been tinkering around with our November budget and doing a bit of thinking and planning with our debt snowball (down to just the truck note), and I came to an exciting conclusion about 15 minutes ago: We can have our truck note down to just FOUR figures in front of the decimal place this month! This is a HUGE psychological milestone for me!
Seriously, the truck note balance currently sits at $11,436.16 with no payments applied for November. I figure in the $635 I have authorized to go out to it this afternoon and tomorrow, plus two payments of $350 from hubby (one from each pay period), and that right there will take us to the edge of the “magical” $10K mark. This is not counting the “snowball” amount I will be tossing at it later this month!
Hubby has been a real trooper during October by simply not spending money. He’s been busy with his clearing activities anyway, he says, and then he also says he hasn’t been looking at his account balance so he can tell himself he just doesn’t have any money to spend other than $20 a week. So what he hasn’t been looking at is a checking account balance “left over” from October of approximately $700. So cool…! That’s great defense on his end.
I am hoping hubby will agree with my idea of him slapping $500 of that onto the truck note, with $200 moved to savings for future uniform costs since part of that total was his annual clothing allowance from Uncle Sam.
If hubby hits the note on his end, and I can hit it from my end with at least $1000, we will go beyond the milestone down to about $9,000…and it will seem so much more manageable just because there is one digit less in the balance. Honestly, I don’t understand why it will feel more manageable, I just know it will.
Personally, with winter just around the corner, I think the mental image of a kids’ snowball fight with everyone ganging up on one target just sounds so appropriate for this! LOL Let it begin!
