Well as I suspected I did not make my goal of putting 1k in my EF this month. The debt repayment and past due household bills really did me in. Plus I underestimated how much taxes would be taken from my paychecks. My income has more than doubled which is good, but the added taxes are a challenging adjustment. Regardless, I did not want to ring in the New Year with nothing in my EF so I transferred $25. It is not a lot, but at the same time it feels great knowing I started. It may sound silly, but to me it seems like a way to set my intentions for the coming year as if I were saying to the universe..... Yes I am serious about saving money!
January 1st, 2015 at 07:19 am