This month did not go as planned!
We wanted to put $2,500 towards debt but only ended up paying our minimum payment of $250/month. #reallife If this isn't real life I don't know what is.
Honestly, I'm very discouraged and more upset with myself than I think Tom is.
Reasons why we fell short this month
1. Our New Credit Card
We are currently using a special credit card that is supposed to boost credit scores. Why are we using this after we cut up our payments? Because we want to be able to buy a house within the next few years and after Tom's unfortunate pay-back history and then paying all of Tom's debts off at once his score was really low. We needed to raise the score but we didn't want to take out a loan just to do so. Our best option was this card. You need a refundable down payment for the card itself and can only spend that amount of money. Well the card is working and Tom's credit score has risen significantly since we've been using it, but we haven't been as careful as we should've been. I honestly don't like having it AT ALL but at this point we need it.
2. Copeland's School & Kennel Cough
So we knew we needed to invest in puppy school for Copeland and we found a really great place in town to do so BUT it was pretty expensive and after the two-week program, they wanted us to bring him back for additional training work. Unfortunately, after we wend home on Friday, we notice Copeland started coughing. Of course, it was kennel cough. *Que additional doctors visit and medication expenses* We always want to make sure Copeland is ok and has what he needs
3. The Farmers Dog
While we do want the best possible food for Copeland, the Farmers Dog is just too expensive to maintain - for our size dog, it's about $138/month. When we could easily be paying about $50 for kibble instead. I think we'll be doing more research on it before we switch, but for now I think we'll make that change.
4. Friendsgiving
Almost every year, we host a Friendsgiving dinner with all of our friends. This was way more expensive than I thought it would be. We ended up making all of the food while everyone else brought dessert, appetizers, etc. I thought this would be a good idea but honestly, it wasn't. It was a lot of stress trying to cook everything and get it warm at once and then to also buy all of the ingredients. Next year we will only be cooking Turkey and it will be BYOB lol.
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