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Newbie sort of
I've posted here in the past but wanted to become a little more involved now. DH and I are in our 4th week of FPU and I've loving it but I think we need a little help with our budget.
We are working on the dumping debt portion and I realize that we have a very large car payment but can't do much about it right now. DH drives a 2006 Toyota Corolla and we traded in a 2011 Kia Sorento for a 2012 Toyota Camry Hybrid. The savings in gas is outweighing the higher car payment on the Camry. I love the car and we are planning to drive it into the ground like we are with the Corolla.
That being said, I plan to post our full budget when I get home and if you could take a look at it and give me your thoughts. Like I said, we are at the beginning of just starting to actually follow a budget so I don't know if these numbers are really realistic and will work out or not.
Side note but very important: As you see in my siggy, we are planning to finance and IVF cycle in June. This is something that we have thought about for a long time and with our medical histories and the chances of us having a biological child is decreasing quickly so time is not on our side. We are currently focusing all our attention on getting rid of the debt that we have and then worrying about the IVF financing after it's over. It will be a one and done. If if fails, it will be a while before we will move forward with donor embryos or Domestic Infant Adoption. Please don't flame me for this decision, I'm only asking for help with our current debt/savings/budget.
I'm still trying to figure out how to make some extra money and try to eliminate more debt quicker, as most people are I'm sure. Right now I took on a Thirty-One Gifts Business and I'm loving it! I haven't factored in my income from that with my normal budget because anything extra I make I plan to put directly towards our debt and it's irregular so I don't want to count on it.
Like I said, when I get home I will post our full budget. Thank you for prepping for now 