Well, today during a lull at work, I signed up for the equal payment plan for my gas company. My monthly payment will be $95.40, which is more than the $18.46 I paid this past month. But, I won't be paying $200 per month this winter.
This past Saturday, I deposited an extra $20 I had from an out of town trip back into my checking. When the deposit cleared, I went online and made an online payment to the credit card. $20 more paid on the debt! Woo-hoo!
I get paid again on October 6th and already have mapped out exactly how I am going to spend my money. I found a budget spreadsheet on the internet, which I modified by adding a column to show how much I allotted for food, for example. I added another column to show what I actually spent for each pay period. I have created an allotment for savings for long term savings and short term emergency savings.
Gas Bill Conquered!
September 30th, 2006 at 03:08 am
September 30th, 2006 at 03:24 am 1159586691
September 30th, 2006 at 09:57 pm 1159653458
MY DW and I use the level payment plan. In the end we get money back but we have to argue with the utility company to get our payments lowered!
Keep up the good work!