- $400 Tithe
- $990 Mortgage
- $300 Auto Gas (Brought down due to better MPG vehicle)
- $145 Natural Gas (Monthly Set Rate)
- $50 Water & Trash (More use with more people & garden, bumped up by $10)
- $89 Electricity (Monthly Set Rate)
- $158 Cell Phone (More about that...)
- $30 Wife's Fun Money
- $30 My Fun Money
- $30 Dining Out
- $30 Toiletries
- $300 Plates, Insurance on second car & car maintenance fund
- $500 Chimney & gutter repair
- $823 Debt snowball
This past month I got both the electricity and the natural gas on their fixed rate programs, so we will be paying the same amount every month now for them.
Last weekend I was cleaning out the gutters with my father-in-law and he noticed some issues with them (brackets broken, drainage too close to the foundation causing leaking into our basement) as well as I knew our chimney needed to be fixed up, but I didn't know how bad it was until I went to clean the gutters. I'm concerned that we may be leaking water into the attic or will soon be doing so. It was a want project before, but the chimney has now become a need-to-do project so we're delaying debt a bit to take care of that.
Our debt snowball will probably be a bit bigger than is listed above, it's mainly dependent upon if the two people we have that have committed to the two bedrooms follow-through, as well as the amount of work I receive for my on-call job. Right now my on-call job has been slow (1/week), but a month ago it was going 3-4/week. If the two move in and my on-call stays the same as it has been, we're looking at about $1K snowball.