Weeellll... I've done a preliminary #'s crunch for the month of Nov. It seems totally too good to be true. +$448 before debt!
I've estimated only the water and car insurance as I do not have an exact figure for them yet and worked all amounts to be paid by MO. I have also taken into consideration that DH missed (with late days and unpaid sick days) a total of 4 working days that will be applied onto 1st check in Nov. and I gave a estimated 6 hours of work per day (instead of 8)to compensate for any future late days that will fall into 2nd check in Nov. I think that is a pretty exceptable cushion for his fluctuating income.
I have had to do a little moving of bill pay scheduals around to make it work. For example. I would normally pay Nov. rent with 2nd check in Oct. so as not to be late. I was unable to do that considering that we had some suprise expenses this month. BUT, all is not lost! Rent is due the 1st and we have until the 3rd to pay before late fees start. DH gets paid on the 5th of every month normally, but this pay period the 5th falls on a weekend so he will get his check on the friday before... which is the third. So, rent will be covered with no late fees!
I am currently caught up on all utility bills. Yeeeeaaahhh! But, by caught up I mean that I am actually sending the checks out before they actually start charging late fees. (bills have actually been mailed a day or 2 past their due date). My goal is to be able to pay well ahead. But it feels so good to be able to say that I don't owe 2 or 3 months worth of utility bills at one time!
My initial reaction to this positive money amount was to immediately apply it to debt. Then, I thought that maybe I would just pay on the utilities ahead of time and get them knocked out so I am not scraping the deadline on them anymore. Still unsure as to what to do with it as these are still just preliminary figures.
Also, I have not taken into account any of the change I have laying in my bank bag. It totals to $11.53. Don't know what category I'm going to sock this into yet.
Also, with DH's extra income work we have an estimated $450 actually sitting or waiting to be escrowed into the PayPal acct. That money goes toward paying off the negative bank balance, though. Still, it's one big step closer to it being gone. Then, I'll be able to open a bank acct. again!!!
I sure hope these figures are right! Only time will tell...
+$448...I hope!
October 31st, 2006 at 07:35 am
October 31st, 2006 at 01:09 pm 1162300149
October 31st, 2006 at 03:23 pm 1162308227
October 31st, 2006 at 06:00 pm 1162317626