Really though January was not to bad of a month as far as being able to pay cash for things. We spent a lot of money but it was all paid for in cash. We cash flowed Dr bills and some car repairs. We also ate out a lot and bought to many clothes that probably weren't actually needed.
What we didn't do was add anything to our Baby Step 3 progress. February we must be better about this!! We did find out we will be getting about a $4,000 refund on our taxes. Thank you relocation benefits from my husbands company :) That will help a whole lot in making progress on our 2016 goals .
I did manage to cut our grocery budget for January by $119.29. This savings went to finishing up funding our Valentines envelope and my car registration envelope. I will write a post soon on how I am doing some envelopes differently this year. So far it is working out great! I am hoping to continue on with this cheap grocery budget but we will see. I often have high hopes for cutting the budget and then I get lazy and don't plan well. We will see if I can keep up with it.
So as of right now our emergency fund sits at roughly $5,500 ( we had more in this fund but due to some unforeseen expenses this is where it sits now) The first pay day for February is Thursday so I am hoping to be able to add $500 to that balance.
How was everyone else's January?