PaRt TwO: EmERgenCY SaVinGs

Confession: I spent my savings to buy Christmas presents last year!

Not a well thought out plan.  Christmas was awesome…savings is Zero!

Not this year, I have already set my Emergency Savings for 2013 to be $1800. Each month, ING (now called 360 or something like that) draws the set amount right out my account. This is not a big percentage of my income but it is a good start. Baby Steps!

So about Christmas…well, I think this is where a good old-fashioned Christmas Club savings will come in handy. Not only will it help out with the holidays but birthdays as well.  I set up a category in my Cash Envelopes for Gift money. This should take care of both these areas for 2013!

Do credit unions have Christmas Club accounts anymore?

Next months goal…Regular savings



The remains of Christmas are put away and the Homestead is coming to order. We have just a couple of spots to finish up like the garage and my balcony. It feels good to set up home once again. The three of us are set in our routines, the cats are driving G’ma crazy and Hermione is enjoying chasing her cousin around the yard.

Before we know it, it will be spring!! Time to start thinking of container garden ideas! Not that I don’t have enough projects already!

I updated my seasonal tree with some tiny pink roses and pearls. Even if I didn’t get to make candles for Candlemas, I got the tree decorated!!