We've had a lot of random spending lately (groceries, household, gifts, and entertainment). I currently have about 8 categories that are over budget. The reality is that the money is there in my account, but I really don't want to pull from the car fund, so I'm letting it sit over budget until Friday. DH's paycheck Friday should catch us up. That coupled with my paycheck next week will fund us through the end of October. If I top up all my goals categories (which I'll likely do), then our first November paychecks will go towards rent. I'd like to be more ahead, but for right now, it's okay since the car fund is sitting as a giant buffer in our account.
One other thing that I did recently was increase my retirement. I had always interpreted the 401k match incorrectly, thinking that it was 50% matched up to 4% meaning their max contribution would be 4%. That would mean I need 8% to max it out. However, it actually means that they only match on the first 4%. Since I already contribute 3%, I increased it to 4% to take full advantage of the company match. It will likely stay there for awhile. My latest projections have us debt-free except for the mortgage by 2021, so at that point, we'll start playing catch up.
Getting spendy
October 15th, 2018 at 12:08 pm
October 15th, 2018 at 12:39 pm 1539607148
October 16th, 2018 at 02:06 am 1539655572
October 18th, 2018 at 08:00 pm 1539892827