Wednesday, December 26, 2012

How was your Christmas???

Were you able to stay on budget?  Come in under budget?  Or are you saying, "what budget?"  I am very happy to say that I came in UNDER budget and did not have to pull out the credit card once for holiday expenses.  I was hoping that I'd have the credit card paid in full by 12/31/12, but it doesn't look like that is going to happen, although it will be close.  I'm down to $1286.01 left to pay on it and I should have that paid off by mid-January.  I have a fairly large check coming at work tomorrow for some back pay that was owed to me.  Once I see exactly how much that is, I'll have a better idea of when I'll have that balance down to zero!  I also have a check coming hopefully in the next couple of days for a $122 for a reimbursement from a drug company.  It pays to look up prescriptions you are taking to see if they have an offers.  I have a face cream that I use and even with my prescription my co-pay was still $152.50.  I checked out the site and they are currently running an offer where your portion is no more than $30.  So, I quickly filled that all out and sent it in, I should be getting that check in the next couple days as well, that will all go straight to debt reduction.  My birthday is in 2 months, so I've decided that I'm not going to go to the after Christmas sales and buy stuff I don't need or want and will wait until my birthday and use any birthday money I receive in order to do some shopping for spring/summer clothes. 

For New Year's Eve I will be going to a party at my brother's house and will spend the night there.  Better to not be out on the roads that night.  I love that they have a party every year, it's very low key, lots of fun and light on the wallet.  I only have to bring what I'd like to drink and a dish to share. 

Not too much else coming up that will cost much, so it'll be nice to get the credit card knocked out and then work on the car loan next.  In April, my annual loan payment to my parents is due and I've been putting money aside each paycheck to cover that, so that'll be taken care of.  Last year marked the 1/2 way repayment so now I'm on the downhill slide to having them paid off.  Woohoo!! 

I'm still working on fine tuning my new year's resolutions, they won't all have to do with my finances.  Are you making any resolutions?  If so, what are they?  I'd love to hear what you all are working on.  I hope you had a FANTASTIC Christmas holiday and are looking forward to 2013, I know I am. 

Current debt:  $232,806.75

2 comments:

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craftmates said...

Good job on paying off your credit cards. My resolution next year is to pay off my car loan and start making pre-payments on my mortgage.

Happy New Year!

Virna from Craftmates