Adulting- Money edition

[knit1purr2]

January has apparently been a month of working on financial stuff. Mostly for long term gain/growth.

• Took a look at our cell phone bill and internet bill. Cut $50 out of the monthly bills. (Extra $600 a year)
• Submitted an application to refinance my student loans. If this goes through my loans will be paid off by 2029 and I will save a few thousand dollars in interest overall. Just need to gather the rest of the documents to get it processed. 
• Planned a (small list) of home projects that will get done after getting our tax refund. (new water heater, installing a ceiling light in the bedroom, fixing another light). Money invested in the house.
• Plus I have been using a new service to help me squirrel away some money to help pad my savings account. 

Will have to do an update on goals maybe later this week.

Comments

[sorcyress]

Holy wow, good for you! And here I am, thinking to myself "huh, I should probably make a budget sometime"

~Sor

[knit1purr2]

Budgets are good. Part of this is we have a number of monthly bills (hello childcare!) and we have been cutting it close a few months. I want to have more of a cushion so that I can pay bills right away (or get them on auto pay) and not have to worry about overdraft charges.

I tend to take a look at our budget once a year or so to make sure that the money that is going out is covered by the money coming in.