I’ve updated the numbers. Although you won’t see a huge drop I am very relieved that I did not add new debt. October was expensive. I used the debit card WAY too much and went WAY off budget…..BUT not so far off that I used a credit card. Whew.
Beginning today, I am back on the strict cash only and updating the budget spreadsheet. You’ll notice that my emergency fund is back down again. I ended up filing taxes “married, filing separately” and it cost me more money than anticipated. I took it from the Emergency Fund. I now have a new challenge in front of me because I adjusted my federal tax withholding to be better prepared for 2012 taxes than I was for 2011 taxes so my monthly income has been reduced by $300. I’m making adjustments in the budget but am a bit frustrated that this means less money can go toward debt. On the upside, I am making extra income pretty consistently with the side business. I remain optimistic that it will always work out!
And so we head into the month of thankfulness! If my divorce is indeed finalized this month, I will be most thankful!