We are going to get through this!! This is the first week dh hasn't pulled in a paycheck. We've done all the forms for disability, and now it's waiting for processing.
I have saved most of my November income post bill payment, eliminated the snow ball until dh has money coming in again. Tweaked some stuff, so we will have enough for a bit. I collected on an invoice I had increasing for the year, gave me an extra $500. At the end of the month I have a $600 reimbursement coming in, which will build my EF a little more.
With any luck, my one PT will be full time for December. That will be another $200 above what I made this month.
I don't know what we're doing for Christmas, until dh starts getting disability and/or returns to work, it's going to be pretty lean this year.
Dh said when we get the payoff on the vehicle, we'll be ok, before we even need to consider dipping into credit. I *technically* make enough to cover all our basic expenses. utilities, mortgage, groceries, etc. Just really really lean. But I don't like it being that close to the wire... kinda scary.
It's eye opening though. I did a spread sheet just to be sure on my numbers. Once this crisis is over, we need to evaluate things, we should be able to put way more into savings than we have been. I think we need to redo the budget. We should be able to live on his income pretty easily and pretty much bank all of mine once we pay off the last credit debt.
I have saved most of my November income post bill payment, eliminated the snow ball until dh has money coming in again. Tweaked some stuff, so we will have enough for a bit. I collected on an invoice I had increasing for the year, gave me an extra $500. At the end of the month I have a $600 reimbursement coming in, which will build my EF a little more.
With any luck, my one PT will be full time for December. That will be another $200 above what I made this month.
I don't know what we're doing for Christmas, until dh starts getting disability and/or returns to work, it's going to be pretty lean this year.
Dh said when we get the payoff on the vehicle, we'll be ok, before we even need to consider dipping into credit. I *technically* make enough to cover all our basic expenses. utilities, mortgage, groceries, etc. Just really really lean. But I don't like it being that close to the wire... kinda scary.
It's eye opening though. I did a spread sheet just to be sure on my numbers. Once this crisis is over, we need to evaluate things, we should be able to put way more into savings than we have been. I think we need to redo the budget. We should be able to live on his income pretty easily and pretty much bank all of mine once we pay off the last credit debt.