11/26/07 - Daily Progress Report

Well, I did a lot of work getting my jewelry ready for the craft show this Saturday. Looks like I'll be ready in time this time. Hopefully will make a little money!

Going to do a little Christmas shopping again today. Went yesterday and did quite well. Those gift cards I got for signing up for American Express have been really fantastic. I have used them for almost all of the gifts for my extended family. Not so much for my kids though, since none were for toy type stores. But only needing to shell out the cash for my kids has been a great help to the Christmas budget.

As for the rest of our finances, I am still very worried about using the last of our "buffer" money from savings. (This is money from my husband's high commission months that I put aside to use for the low commission months.) I feel very nervous about using the rest of that money only leaving the $1,000 emergency fund in savings. What will we do next month if there is another low commission?

I am thinking about only paying the minimum on our debts this month and saving the rest for a "buffer". The minimum would be about $350 and that would leave $750. I really hate to do this as it will move back out debt free date but it might give me peace of mind.

Need to think about it a little more.