June 2008 Budget Final

I am still here somewhere.  Life is getting settled after a crazy month with many doctors appointments, a vacation, 3 birthday parties and the first day of school for our little one.  As to the doctors appointments, we still have not done our return to Cleveland yet.  It keeps getting delayed because of results needed [...]

Bad News But Spirits Are Up

For the past few weeks, my wife would come home and say that the tutorial center she works at is loosing students. This is normal for the end of the school year, but the rate is worse than last year. Last week she was told that here hours would be cut down from [...]

May Budget Final

We had a successful month finally.  This was mainly due to a larger income than planned.  My wife was able to work extra hours so her pay increased.  Sadly, we don’t know how many hours to plan going forward.  One of the things people are cutting from their budget as the economy sours is tutoring.  [...]

April Budget Final

This month we were very close to breaking even.  What held us back?  Our weekend trip to New York City.  I figure that we payed around $250 for the trip out side of hotel and Broadway show ticket.  The last to items were rolled into previous months’ budgets.  The $250 included gas, food and gifts [...]

Emergency Fund Established: Thank You Uncle Sam

A while back I discussed how my raise coupled with the federal tax rebate would join together in fully funding our emergency fund.  Well, today I well be sending over a $4200.00 deposit to our money market fund.  This will bring that account to $5000, which is the goal for our backup fund.  With that [...]

Mother-in-law has Arrived

The title sounds bad does it not?  It is actually not so.  She is here for a 6 month stay and will be a big help in the evenings when I am alone with the kids.  The older daughter is very happy that she will be getting extra attention, while I can concentrate on the [...]

March Budget Final

March was a semi-successful month. It is a tough birthday month(3), but we made it through really well. As we go along, we learn to balance priorities. This month we sacrificed entertainment to offset gifts. Gas was tough as well last month. The weather has been crummy and it took [...]

Quick Early Spring Energy Savings Tip

Spring is arriving on Thursday, March 20th. This is a good time to evaluate look at ways to save money around the house. Today I adjusted the timer for the one automatic light that we have in the family room. As the sun now sets near 7:00pm, I shaved a couple of [...]

Work Related News Part II: Early Debt Reduction

Monday I discussed some of the good news resulting from my year end review. The bonus money has been allocated to our emergency fund and vacation fund. Now for the better news. I will be getting a raise effective April 1. After taxes and our daughter’s school fund, we will be [...]

February Budget Final

Well, 1/6th of 2008 is already over.  Boy these years go by really quick as you get older.  February was a great month in terms of beating our goal.  Even with hospital stay for our little one, we were able to keep our income on track and even earned above normal.  My wife put in [...]