Saturday, February 04, 2012

Multiple savings goals

So of course right as I want to start saving up for the wedding, there are a lot of other expenses that I have to save for at the same time. It's frustrating because I do do a lot of extra side work, what with the mystery shopping, the business, the extra job, the writing (which unfortunately I haven't had much time to do lately), and I do bring in extra money, but since so much of my regular salary goes to paying down debt, I rely on that side work to bulk up my savings. And then I get frustrated because it's annoying to have to parcel out a nice chunk and put $50 here and $50 here. But if I don't, I feel like I am shortchanging my other goals. Ack.

Current savings goals:

Wedding - Obvious. Right now Fiance and I have to save up enough to put deposits down on stuff, which is probably going to be about $2k, if not more, but then we have a year to save up the rest of it, which is nice.

Medical bills - I do have much better health insurance now, but I also did just have my gallbladder taken out. (About which I am very happy, because owning one was a serious downer.) So I am definitely going to hit my out of pocket maximum for the year, which is $2,000, and I have a couple hundred in medical bills from last year to pay off too. I'm hoping to work out some kind of payment plan so I don't have to put it on a credit card and pay interest.

Car insurance - I maaaay not have mentioned this before, but I was in a very, very minor fender bender a couple months ago. Like at one mile per hour when the person in front of me stopped short. So I'm a little worried how much my car insurance is going to go up. Hopefully not very much. But you never know, and I have zero saved for it right now. It comes due in April so I need to get cracking on that.

Fixing the car - Somehow, I managed to purchase a car in which neither the heat nor the A/C worked properly. A while back, some part in the car broke in such a manner that the A/C was on permanently. As it was November, this was not fun. So, I took it into the shop, and it seems that the switchy-thingy (I'm sure it has a real name) was broken in the "on" position. To fix this, they broke it into the "off" position, so now it can only produce heat. I decided that I could live with this until spring, when I'll get it fixed - to the tune of about $1300. Owch.

General "oh no" fund - I like to have at least $1,000 in the "oh no" fund. Right now it's only at $800, and that's probably going to go into the car, which is also making an unhappy grindy noise in addition to the no-A/C thing.

So, in conclusion, I have now made myself fidgety about the amount of money I have to save up. Yay!

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