Yes, you should go back to baby step 2 to get the van paid off

However, i don’t think you should use $500 of the $1500 you have to pay off the van. I think Stilwell is off when he says to have only have a $1000 ER fund. Where I live, $1000 doesn’t go far in emergencies. Most auto repairs and other things like that end up costing a …

I promised I would be more active on here..

this is NOT DR related but hey, its all I got for now! Once in awhile we get hit with what we call the plagues of Egypt. By this we mean that we are hit with multiple difficulties at one time. My husband flew to L.A. for business for 3 days and my children from …

You can create a “savings” account and call it electricity or utilities

Have a “transfer” set up and move the money out of checking into savings and when the bill is due, “move” the money out of the savings account. It doesn’t have to be a real account as long as you are deducting the money from your main checking account.

There’s the portion of the software that shows your bank transactions

and those are going to be exactly what the bank sends to Quicken. So if the bank has a single savings account with a lump sum in it, that’s exactly what it’s going to send to Quicken and that’s what you’ll see in the register. Having said that, there are other sections of Quicken which …

Like most of the nation this last few weeks

we have been having extreme cold weather and what is considered a lot of snow for ne OK. I have spent the time working hard in the office and other hot spots of the house trying to reduce our clutter even more than we already have. Made great headway because who wants to go outside …

What I do is keep track of what I spend in every month

Last year was my first year in doing so…. Then, this year—I budget the amount I spent in the month last year….and then I try to beat it. For example—last January was my high amount at $665…. This year in January–I spent $563.. February last year –I spent $458 Right now, I sit at $257 …