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October 12th, 2009 at 01:25 am

My finances have yo-yoed a little bit lately. I feel like I made significant progress and then something happens that makes me feel like I am back at step one again. I had $1000 in my savings and then I had to take out $140 to get the starter on my car replaced. Something else happened, too, but I can't remember what. Anyway, I am getting savings slowly built back up and debt paid down. I am also slowly getting my car replacement account and house account built up. Hospital Bills #1 and #2 are also down some. I will be paying more on #2 on Friday. Also, I will be leaving on Thursday for a conference and will be back on Friday. About 10-15 days later, I will get a reimbursement of about $120, which will immediately be directed to the credit card. It will not be spent on shinies, dinner out, etc., as those things don't contribute to my financial freedom. I got a copy of Dave Ramsey's book at the library and copied the budget forms from the back. I adapted them for my situation and made a spreadsheet based on them. I am not sure if they envelope thing will work for me, as predicting how much groceries will cost is impossible. I am going to try it for awhile without envelopes.

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