It’s 10 PM, Do You Know Where Your Money Is?

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Pop Quiz, hotshot. 

  1. What is your monthly mortgage payment?
  2. What arethe APRs on your Credit Cards?
  3. How many more car payments do you have?
  4. How much was your last electric bill?
  5. What is the square root of 144? 

So, how many answers do you know? A few months ago, I would have only known number 5.  I used my credit card to charge everything and assumed it got paid in full monthly.  HA!

Reality came when I opened a credit card bill and almost lost my lunch. 

My husband does a fine job of handling the bills, but I had no concept of how much we actually spent.  In retrospect, I should have asked.  I just never thought to.  I guess I assumed we had little fairies paying our bills.  (I suspect these are the same fairies I thought were cleaning our house)

I developed a spreadsheet  similar to this to figure out what our fixed bills were.  I then took a deep breath.  I then multiplied everything by 12 to get an approximate yearly cost.  I then took another, deeper breath. Exhaled.  And started to look for ways to save.  Aggressively.

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