The balance between paying down debt and savings

[Tradd]

Well, the biopsy was negative but it turns out doc wasn’t able to get any uterine lining. Have to go back for a procedure at the hospital wit me under. Waiting for hospital to call me to schedule.

Shipment volume has gone down at work. They had been looking for a third person for my department, but that’s on hold now. A major customer is on the verge of shutting down. They had been bringing in stuff from India that China is now undercutting them on in a big way. I’m sacking cash away. My job can’t be cut because they need my brokers license in order to do customs clearances. So unless I screwed up in a big way, my job is safe. It’s just do your work and keep your head down time, which I tend to do anyway.

[jp1]

Sorry to hear that you have to do yet another procedure. Keeping fingers crossed that you get more good news from that one.

[Tradd]

Thank you! I have to have a D&C on 8/22.

[iris lily]

How are you folks doing with the
Every Dollar system? I now listen to Dave Ramsey a lot and so hear about the Every Dollar Program.

[catherine]

How are you folks doing with the
Every Dollar system? I now listen to Dave Ramsey a lot and so hear about the Every Dollar Program.

So funny--we've swapped financial podcasters. I listened to Dave for years, and now I'm into Ramit.

I used to do the EveryDollar System but years ago I switched to YNAB. However, my frustration with certain aspects of my financial life is making me think about returning to EveryDollar.

[iris lilies]

So funny--we've swapped financial podcasters. I listened to Dave for years, and now I'm into Ramit.

I used to do the EveryDollar System but years ago I switched to YNAB. However, my frustration with certain aspects of my financial life is making me think about returning to EveryDollar.

Oh I still listen to .ramit but he does only a weekly podcast Dave Ramsey’s team does it dailey.

I consume a lot of podcasts.

[Tybee]

IL, I have been using the free version. But there are drawbacks, like you can only do one plan. And I like to run possible scenarios, so that won't work with the program.
Am thinking about Money Grit for $17 a month. Hate to spend the money when I like Everydollar for its simplicity.
I enter my numbers manually; don't like to link to banks.

[Tradd]

I actually stopped using EveryDollar. Tracking stuff, even with the paid version hooked to my accounts, just didn’t work. I want to know what I have to the penny and the lag time with pending stuff over weekends just drove me bats! LOL.

I have one checking, one savings, two retirement accounts, and two credit cards. My finances are simple. My issue is watching my spending on fast food and books. Other than that, stuff is simple and I’m saving $$ by not diving this year.

[Tradd]

D&C tomorrow. When I pre-registered with the hospital online today, I was told I owed $3500. That’s the rest of my deductible this year. I have a high deductible PPO. I had to charge it. Not enough in savings to cover it.

Go back to work Monday. Had to bust my butt to get work stuff done or pre-entered through Tuesday so coworker could submit to Customs Friday (can’t submit clearances more than five days in advance). I at least get two days off. I’ll veg Friday.

[iris lilies]

D&C tomorrow. When I pre-registered with the hospital online today, I was told I owed $3500. That’s the rest of my deductible this year. I have a high deductible PPO. I had to charge it. Not enough in savings to cover it.

Go back to work Monday. Had to bust my butt to get work stuff done or pre-entered through Tuesday so coworker could submit to Customs Friday (can’t submit clearances more than five days in advance). I at least get two days off. I’ll veg Friday.

Take it easy, those procedures affect everyone differently.