October Debt and November Goals

Lets start with our debt

we paid off $2,479.00 this month!!!

That number also paid off our second to last credit card!

We have a giant chart in our bedroom that lists our debt and goals and such and we are crossing our debts off as we complete them and this month we go to put a giant red line through one of those line items. This means we have 3 left. We started with 6 and while the first 3 were small it still means we are halfway through our line items and that is huge!

The one we are working on now we are shooting to have it paid off by the end of January

and then it is the last 2 big loans which is over half our debt that we have total.

I know it sounds odd but we are so excited to get to that point and start hammering the big loans!

I also want to mention that we cash flowed quite a bit this month.

Halloween costumes for all 3 was $60.00

Pumpkins and candy was $40.00

Baby Gift $50.00

Michael B-day $50.00

Car repairs $400.00

So that is another $800.00 and while our goal is to get out of debt it is also just as important to stay out of debt. Which means we cash flow and budget for everything!

Okay goals from October

Close the pool and get all the outside toys put away

Finish our will

Baby Step#2

Christmas Cards

Plan dates for holidays

Trick or Treat as a family

Celebrate Michael's Birthday

The pool was officially closed and most of the outside stuff is put away we left a few things out because we were having a heat wave but now it's cold.

Our will is a lot more complicated than we thought. But I love the discussion it has opened up and we are really getting on the same page.

Baby Step #2 see above

Christmas Cards well half way done? I have them designed. I just have to order and get my addresses around these will be done this week

Holidays with my brother are planned we always celebrate the Sunday before the holiday

We trick or treated are and were a frozen Popsicle at the end I'm hoping to post on this this week we will see

We celebrated Michael's birthday with a kid free dinner the night before and then a family dinner and cake on his birthday!

November Goals

Make a special project with Grayson to give to family (I'm thinking cinnamon butter)

Thanksgiving!

Mail out Christmas cards

Baby Step#2

Christmas shopping get it done!

Decorate for Christmas

Comments

Four Things right now

Four things about all of us right now... Grayson One- This boy has finally found his groove in 1st grade. Kinder to 1st was a big adjustment but he's doing well now. And he is a spelling champ! He does sooooo good on his spelling tests! Two- Hockey is life for this kid. He skates twice a week (once doing a hockey specific clinic and once doing family skate see below) His skills are really growing Three- He loves reading and so we are riding that wave all the way. Four- He has to wear his glasses full time now. What started out as hey wear these when you watch TV that is farther away or when you sit farther from the board has turned into needing them full time. Our school has a local organization that comes in and does eye assessments for free for the elementary schools and they sent home a letter saying get him to the eye doctor he needs glasses (well that was the jist of it) and we since we already had glasses from his eye doctor he just started with tho...

A nice little sweet spot

The sweet spot…. We seem to have hit one. I feel like we have not been in a sweet spot since the twins were about 6 months old. You know before they were mobile and can get into a ton of mischief. When kids are 0-6 months they still like to be held they eat mostly bottles and they mostly just stay in one spot. No issues, you can go places and even though you have to pack up your whole house to be prepared you can relax. And if you are in my family someone is always willing to hold or feed or change a baby. 7-months to 2.5 years old is what I refer to as the lost years. You have so many things you have to do for them they are not potty trained and they are mobile and get into EVERYTHING. Going outside is more work than its worth and with twins they scatter in opposite directions. Three on one is so hard handle in big open spaces. I would often find myself skipping outside time because the work was just too much for me. When the twins turned 3 and Grayson was 6 it felt like we had a ...

Conferences, Grocery Pick up and trying to get out the door

I had grand plans to document our day on Friday. I was going for an every hour sort of thing and then after the 3rd hour lost track I will shoot for next Friday though we will see I'm off on Friday's ( all the happy faces for a 4 day work week and the $$$ saved on daycare ) It was our February break from school so Grayson is home too. I get up at 6:15 on Fridays which is sleeping for me because during the week I'm up at 5 and I head downstairs to do a workout. I'm in a funk right now with that stuff but I still move my body. Today I did a 10 min arm video and 10 min lower body video. I stretch for a few mins and I'm done just in time for Grayson to come wandering down the stairs. I chug some water. Check in with Michael and head upstairs to get Marshall and Charlotte from their beds. They both woke up dry (we are in the throws of potty training and are still in pull ups at night for now) They charge downstairs yelling that they have to pee and demanding...

Simply the Smith's

Search This Blog