My last couple posts haven't been the greatest reads. Short and a bit sporadic. I will try to set aside a dedicated time, first thing in the morning to blog.
I updated my budget/balances spreadsheet this morning. I can't like, it was a little depressing. I don't think I can even write down the balance here. I'm not going to ask myself how it happened, because I know how it did. But I do need to focus more on paying the balances off.
What worries me the most, is that currently DH and I don't have an emergency fund. We have a savings account with $100. That's it. We don't really have any available credit on our credit cards either. So that's not really an option. I definitely need to look into putting more money aside, just in case.
Looking at that balance, was an eye-opener. Although our debt isn't increasing, it's not getting any smaller either. This is my turning point. I need to focus.