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January 1 and 2 - a new start

January 3rd, 2006 at 02:35 am

Ok, so I freaked out just a little after looking at the totals for last month. Our savings has gone done about $7k from last January. But then DH reminded me that we put $2k into a Sharebuilder account and paid $2733 in tuition, so really we are just in the hole less than $2300. Which is not bad, seeing as how both of us had a half year off. I was on maternity leave until June, and DH lost his job in July and has been a full-time student ever since. Still, though, he is going to be a student for another year, getting his teacher certification in December. Plus, he will be student teaching next fall, so he won't be able to work or substitute teach at all. So next year might be tough. We'll just have to watch the bottom line and tighten things up if they get too bad. We are extremely fortunate in our living situation (no housing payment) and in having a large emergency fund (about 6 months of my current earnings) - which, by the way, we worked very hard to achieve while we both worked. So we'll be alright, but I hate the thought of dipping into the emergency fund.
No much spent so far this month - only $6.73 at the grocery store, which was offset by the $10 my mom gave us for groceries and to offset the cost of our New Year's Eve dinner.
January expenses: $6.73
January income: $10 It's good to be in the black again Smile

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