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This was my thought as well. It's been useful, but we can do pretty much the same thing ourselves without the fee. I'm glad to hear it's worked for you! And the fact that it's harder to touch the money is a great point. I've definitely been down the "borrowing" from savings road many times. We...

Does anyone have any experience with the Acorns app? It's basically an investing app that connects to your bank account and rounds your purchases up and invests the "spare change" for you. A friend referred me and it was a free $5 bonus, so I signed up for it a few weeks ago. I'm torn on it...

Thanks for all the feedback! I'm going to wait until DH gets his first full paycheck with the new job so we'll have a better understanding of how much of an allowance we can give ourselves. So glad it's worked well for others!

We started January strong, but after DH landed another job and I knew our income would be improving, we got off track a little. Thankfully, we came to our senses before too much damage was done and we were able to catch up quickly. I'm thinking about putting "allowances" for each of us in the...

So sorry for your loss, @dayvewc. My thoughts are with you and your family.

Took the dog to her eye doctor today and not only did I have the money budgeted for it ahead of time (which is a first, even though I always know these appointments are coming up), but it was also $20 less than what I budgeted for! Instead of blowing that extra money on something, I'm putting it...

I was going to say the same thing! It's awesome that you have the funds to pay for an emergency, though I'm sure it's annoying to have to use them!

Some good news from our end...DH just got offered a new job! It's only part time, but he'll be able to keep his other part time job and it's pretty flexible if he needs to change his hours for the summer (his other job really ramps up in the summer and we don't want to miss out on that income)...

Trying to join in again this year. I didn't keep up with the thread much last year, but we did introduce a budget and I think our amount of debt stayed about the same, which, considering all the surprise expenses we had early on (our dog got glaucoma at the same time we had car problems, and we...

Thanks for the info! If nothing else, we could use it for glasses since both DH and I wear them. From what I understand, vision and dental expenses are also coveres under an HSA?

Seeing all the recent talk about HSAs has got me thinking. I have health insurance that is meant to be used with an HSA, but I've never set it up...not a good decision on my part, but I kind of forgot about it and life happened. But now I'm finding us with a little bit of a cushion that we can...

Thank you! It is a bit of a bummer, but you're right: having coverage is way more important. That's so exciting!! The anticipation must be killing you!

Update time! I have a little bit of bad news and a little bit of good news. First, the bad news. We underestimated our income when we signed DH up for Obamacare. It wasn't by a lot, but I'm assuming that the little extra put us in another income bracket, because we now owe the IRS 1K. The...

Oh no! Hope they get it fixed quickly and it's not too expensive!

Nice work! It's amazing how small changes add up so quickly!

It's heartbreaking when things like that happen and there's nothing you can do about it. We get her medications from the Target pharmacy and I usually have a Swagbucks gift card or two to help us pay, so I think it might average out to maybe $30 a month. Some of those eye drops can be quite...

Sorry to hear that! Even if it's not devastating, a set back is still frustrating. Snowballing that way should definitely give you that psychological boost!

Thanks for the advice! I didn't think about payment plans! We'll have to ask when we're getting bids. The home warranty company also suggested getting the pipes replaced one by one instead of doing the whole house all at once, so we'll have to look at that option, too. I'll probably end up...

Well, Murphy came and showed his ugly face around here. My front two tires are almost done for and need to be replaced as soon as possible. One of them is cracking and the other is bald. Unfortunately, we just started using a budget, so we have almost no money set aside for car maintenance...

Congrats! It must be nice to have that big chunk of debt off your shoulders! I would put the rest into an emergency fund and snowball what you were paying for your student loans into one of the CCs. Maybe once the 0% promotion ends, you can look at taking that money to pay them off, but...