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Murphy has been an unwelcome guest for quite some time now, and last month was no different.

The good news is that we’ve survived all of the unexpected expenses without going into debt, but our emergency fund is tapped out now, so I’m hoping for a break.  🙂  (Do you hear that, Murphy?)

We’re still waiting until SEPTEMBER!!! to find out if my husband got a grant to pay off half of his student loans, so until then, we’re paying the minimum.  I keep hearing the John Lennon song in my head, “I’m just sitting here watching the wheels go round and round” because that’s what our debt feels like right now–no improvement!

Patience is a virtue, right?

Here’s the report for this month:

Husband’s student loan #1:  $11,765.87             -85.98

Husband’s student loan #2: $16,272.20                -46.79

Total:  $28,038.07                                                     -132.77

A few notes:
The Negative:

Already mentioned above.

The Positive:

We haven’t gone into debt despite all of our many expenses in 2015.

Emergency Fund

One of my financial goals for 2015 is to save 3 months of living expenses, so I’m going to be tracking that in these monthly reports.  I won’t give exact numbers, but I will tell you each month how many days or months’ worth of living expenses we have.  Right now, we have 0 days of living expenses saved.

Replacement Car Account

Another goal is to save $3,000 in our replacement car fund.  Right now, we have nothing saved as we’re going to focus on trying to rebuild our emergency fund.

When we became Gazelle Intense on October 20, 2011, our balance was $57,966.01.  Since then, we have paid down 51.63% of our debt, or $29,927.94.

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