I was able to take advantage of the prepaying option for band which saved me 5%. $470 done and paid and I am done for the year. I took $200 from the short-term savings (to cover things like this) and won't prepay on daughter's braces when I make the initial deposit on the braces installation day (three weeks forward).
There is something to be said about doing a spending freeze and then accumulating a nice little bit of money. I know that my money mind was cleared, and spending FROM budget categories that are fully funded is a wonderful thing.
Just wanted to share this: might have turned a money corner. And I'm being so proactive that I've started the list of things that we'd like to purchase next spring: Definites: new bike for oldest son, new grill, Maybe: new lawn mower.
Here is a first:
August 22nd, 2012 at 02:26 pm
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August 23rd, 2012 at 01:20 am 1345681233