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Taking Action Aug 5

August 5th, 2018 at 05:36 pm

I was playing around with budget scenarios again, and things didn't look good. I decided to cash in a CD and bring part of the proceeds into our checking account each month, until my Social Security kicks in. The early withdrawal penalty is small compared to credit card interest if I have to start carrying a balance.

Someone here or on Reddit had mentioned Goodbudget, an envelope budgeting website and app that has a free tier you can use indefinitely. Unlike YNAB, which only has a free trial. So I signed up and I've been working with it for a couple of days.

I'm only going to use it for variable expenses. I already have reminders set up in Quicken to automatically fill in the bills that are the same every month. And I'm handling food spending in the Daily Budget app.

To save some more money, I just suspended my membership with a self-improvement website which costs $29 a month. I still find it useful. But at this point, I can see it would be better to keep that money for things like upcoming doctor visit co-pays.

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