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YNAB (again...) and a random tax question

March 19th, 2018 at 05:35 am

I got another 34 day trial a few weeks back, and so far, I really feel like it's helping. It's eye-opening just how much we feel like we need to 'treat' ourselves. That money would serve a much better purpose somewhere else. I have been trying to be easy on ourselves for the eating out these last few weeks given everything we've been dealing with, but it still hurts to see that we've spent almost $250 on eating out. For comparison, we've spent $273 on groceries which includes household items.

I did take our BEF down to $1500 and put an $1183 payment to the main credit card we use. I had been good about paying this in full until we encountered all the pet issues with our dog. It currently has a balance of about $4700 before the payment.

I also put just under $500 to our goal of living off last month's income. I wasn't entirely sure how to set it up, so I just created a Rainy Day Fund category to allocate money to until it reaches the full month of expenses and then I'd budget it to the following month.

I'm itching to budget out the paychecks coming in later this week, but since that's not the point, I'll be patient. I do have the projected budget in my Excel spreadsheet. Since I adjusted my witholdings, I'm hoping to have extra to buy the year subscription. Since I'm more on the go, it's easier to be able to access things online rather than relying on one computer with the software.

I need to get my amended federal return and state return sent in. Does anyone know how it works if I haven't actually mailed in my original state return, but then amended the federal? Do I mail both the original state return and the amended one from TurboTax? My amended return will be an extra $240 while the the state return was just under $800, but will be closer to $900 with the amended one. It was going to go to savings, but I need new tires and am just starting sinking funds, so I'll use it for tires and any remaining will go to debt. I'm very close to getting some things paid off - one cc by the end of April and another in July (sooner if I get the $240 before then and put it to that).

Emotionally, I'm really struggling. I'm going to look into mental health options available through my insurance. Our FSA account is still rather sizable and no longer needed for the baby, so I do have a bit of wiggle room for some much needed therapy.

7 Responses to “YNAB (again...) and a random tax question”

  1. creditcardfree Says:

    Do not hesitate to get help for your grief. You shouldn't be concerned at all that you are not 'over it' yet. You will likely always have some grief associated with this event in your life. Be kind to yourself and talk about it as much as you need to.

  2. Butterscotch Says:

    Also, reach out to the hospital. They likely have a support group that meets at least once a week. It helps so much to talk to others and hear their stories too.

  3. Laura Says:

    Check out your church community. I run my parish’s bereavement group for parents who have lost children.

  4. rob62521 Says:

    I applaud all the above suggestions. And don't give up if you don't find help right away. Grief isn't something you can stick a band aid on and move on. Prayers for you.

  5. FrugalTexan75 Says:

    I'd also check to see if you have an EAP program at work - or your DH's work for the therapy.

  6. essays on beauty Says:

    I think that it is possible to be debt free with the help of such an essential blog! I really like the way how you save your money! It does not seem to be complicated!

  7. Dido Says:

    As for the tax, if you have filed the federal and not the state, then I would amend the federal and then just file the amended state return.

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