So payday for February has finally arrived! Yay!
We had some implosions (eating out, extra alcohol, extra grocery store trips) at the end of January that used a portion of the dogs’ vet money. I had planned to recover that with some money that had been planned to go into savings: a portion of my tax refund, an “extra” work study paycheck from fiance, and a reimbursement from the GI Bill for fiance’s school registration for the semester.
But then we found out that the disbursement my fiance got from the GI Bill was much lower this month than we had estimated. I knew it would be only a small portion of the full month payment because classes didn’t start until the 27th of January, and the payment is based on the portion of the month where classes are in session. Consequently, that meant we had to adjust our budget. Out the window went things that were adjustable: $100 for eating out this month, paying only the minimum $25 payment on a store credit card rather than the $50 planned, and using a portion of my tax return, when it arrives later in the month, to pay off my Discover card which had been intended for wedding rings and savings. I had planned to pay off the Discover card on payday, but instead I was only able to pay a portion of that today. I will receive my tax refund, registration reimbursement, and fiance will get two more work study paychecks before the end of the month, so I will still be able to pay it off this month as planned. But pulling some money out of the tax return will take away from money that was planned for wedding rings and our summer wedding “tour” of our home states. I’m hoping I can make up for that money with money my parents usually give me for my birthday in April, which I had not included in my wedding tour savings calculations because I don’t know how much it will be.
While this was disappointing, it certainly has not diminished my will to keep moving forward and making progress on getting out of debt. I felt really relieved that we had the ability to readjust and reprioritize and just make it work. We were lucky that we have a few irregular sources of extra money coming in this month that we were planning on putting in savings.
So while we stumbled, we did not fall! Yay! Of course, we still need to continue working on avoiding those implosions I mentioned…