So, my paycheck this morning was a bit more than I had budgeted for. Any other month I would roll it into the snowball, but I'm getting my teeth deep cleaned this month and have to pay out of pocket for it. I'm going to transfer it to the money market account so that I know not to touch it. The money market account is where my baby efund is parked.
The panic set in last night. I was up all night tossing and turning wondering if I was going to be able to keep up with the program as the months go by. Crunching numbers in my head all night. I realized though that as long as I'm planning ahead of time what money is spent where and writing it down, then I have a goal to shoot for. On April 1st, I'll be paying off another debt. I have to call and make sure I don't owe anything else on it but by my estimates it will be paid off. Then in May I can start really attacking the snowball, $200 extra dollars on another payment. That will be paid off by august if not sooner. I'm also going to be looking at other ways to save. I am going to cancel my tivo subscription. That will free up an extra $12.95 a month. Which may not seem like a lot but it does add up. I'll be saving the 12.95 a month to purchase something that I really want to get.
I requested to be contacted by the area insurance ELP. I really need to see what I can do about health insurance for myself. We'll see how that goes.
In the meantime, the $60 a month savings has been split between my three children. $20 to each one's savings account. Once my debts are paid off I will put that payment towards savings. $500 a month until step 3 is completed. Which by my estimates will take 10 months. That is a conservative estimate though.
I can see it. This is going to happen for me. I will be out of debt and I will be living like no one else, and my children will be taken care of. I will retire with dignity. My retirement account has taken a hit, but I'm still young and continuing to contribute. I contribute the minimum to meet the match, but will up that when I don't have to worry about debt payments or living expenses. I can't wait! The end of the tunnel is just around the bend.