School starts again tomorrow (for Dear Child) and I'm also going to be working full-time for the week, while my co-worker is off. My third payday of the month will be Wednesday and I plan to do a little catching up on paying bills. Then my payday 2 weeks after that will be an extra-large one, so I'll do a little more catching up.
I really want to get things back under control after our expensive car repair. Things have all been piling up for a while and now I finally feel that I can get us back on track. As I mentioned the other day, gas prices have been coming down somewhat and that, combined with not going to our rural home between now and Hanukkah (late December), will mean some reduction in our spending.
One of the ways things have been piling up is that we've been using our credit cards (we each have one major card, plus Home Depot and IKEA) far too much and for some troubling items. When the economic climate is tight and you find you're charging gas and groceries that should be a wake-up call. Last month I charged $230.95 in groceries (for the various holidays, including our family Rosh Hashana dinner) and $155.60 in gas for a trip to the house, which includes filling the tank on the way back (leaving 3/4 of a tank to drive on for the following week). We have no more holidays until December and no long car trips until then, so I don't expect to need to charge anything over the next while.
That's good, because putting half of the car repair on my hubby's card was very upsetting. My financial goals for November are:
1. Not to charge anything during the month.
2. To pay off IKEA.
3. To start paying down my MasterCard.