T.G.I….Payday!

Not only is today Friday, it’s PAYDAY!

Why am I so excited? We hit some hurdles this pay period and completely used our grocery funds and had to dip into our emergency fund.

First we had the unexpected car repairs and, just a few days ago, my husband needed to purchase books for summer school. We didn’t expect his book fees to exceed $250… but they did!

I’m excited to have grocery money again! Woo Hoo!

Posted by Beks on June 4, 2010 at 5:00 AM in :) | 8 Comments »
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Michelle responded:
Posted: June 4th, 2010 at 7:12 am
Isn’t that a great feeling!?! And I mean having the money to deal with your unexpected (and having grocery money again.)

We had an experience this week which is the first time for us. My sister and her family are doing Dave Ramsey’s Financial Peace plan (as is our family). Well, Murphy has been to visit her a lot lately and depleted her EF this past month. She’s had a couple of hard-knock issues with banks and she wanted to know if we could help them out until their payday Thursday next week. So, we actually had the money to help out w/o having to dip into our EF! Of course, this is all due to the fact that the timing for repayment is very quick turn-around…but it was nice to actually have the ability to help her out when she has been able to help us in the past.

Enjoy going to the grocery store!
Angie responded:
Posted: June 4th, 2010 at 8:38 am
Beks – You seem so close to your debt freedom goal, do you think you would ever post your mortgage? I know you live in So Cal and have a huge mortgate (I’m in the same boat, but in Nor Cal – bought during the boom, etc.)

I just think it might be nice for those of us who bought during the peak, are underwater but can afford our mortgages, and are surrounded by neighbors bailing on their homes. The “suckers,” if you will .
Michelle responded:
Posted: June 4th, 2010 at 8:42 am
ooh, I second Angie’s comment! We also bought years ago and now our home’s value has sunk…but we can afford our mortgage…it just is tight! and yeah…definitely feel like a “sucker”
Stephan responded:
Posted: June 4th, 2010 at 9:47 am
its too bad you have to feel like a sucker because you are doing the right thing, you are honoring the contract you signed. i wish there was a way to prevent/punish homeowners from strategically defaulting on their mortgages just because they think the banks tricked them into the loan(obviosuly not true, the contract is in english!)
mikey responded:
Posted: June 4th, 2010 at 2:23 pm
Friday good. Payday better.
Jenn in Michigan responded:
Posted: June 4th, 2010 at 4:42 pm
Yay! I concur about the house. I can’t even imagine how much you owe for a house in CA. I have friends in the Bay Area that rent a house and pay almost twice as much a month as my mortgage. Lovely thing about MI, we have been in a recession since 2003 and there are no jobs, but the living is cheap.
mv responded:
Posted: June 4th, 2010 at 5:12 pm
Although textbooks are expensive any way you look at it, does your husband use the college bookstore for books or purchase online? I have not purchased a textbook at a college bookstore in years (I take classes every now an again), instead I go online, usually half.com (part of eBay) or some other site. On half.com, I look for sellers near me & try to arrange to pick up the book in person, so as to avoid shipping charges. Sometimes it works, sometimes it doesn’t. Even if they’re not near me, I can often find new, or near new, books for less than the college bookstore, and that includes the price of the book plus shipping fees.
Nicole responded:
Posted: June 7th, 2010 at 11:48 am
Oh, how I know those days! Mac and cheese and Top Ramen can only go so far ; )