We have two backyard hens and my friend at work

had been given me the shredded paper from corporate office to use as coop bedding for them. A few days ago I was running low on cat litter and threw in some shredded paper with the last of the litter just as a temporary fix. But the cats didn’t seem to mind, so I refilled the box completely with shredded paper. It didn’t stink, and the cats just used as usual. We’re on day 4 of shredded paper only litter… which is free… and the cats are happy. It really doesn’t smell at all either! I dump it sooner than I would regular litter, just because it starts to clump together and isn’t scoopable. But it’s free, so who cares that it needs replacing more?

Some cats are more finicky about their litter, so it might not work for all. But if you work somewhere that shreds paper, its worth trying! Also, I think kinkos/fedex ends up with tons of shreds they’d probably give for free if someone needed a source idea.

I am in Florida

– so it is probably the same bank. I used to bank with Washington Mutual until it became Chase by default (also aquired). And once they switched over to Chase, although I was promised my account would remain unchanged… boy did it change!

Beware of sneaky things being added onto the back of your bank statement. Chase apparently added changes to my account in small print on the back of my statement with some caveat that changes would go into effect by XX/XX/XXXX if they do not receive anything in writing stating otherwise.
inflorida
So I quit them, and have only a credit union account at http://paydayloansfloridaonline.biz. Luckily, I rarely deal with fees through them… and so this Iberia stealing my $12 for no apparent reason really rubbed me the wrong way. And I do feel it is theft… I asked for no service meriting a charge.

I’ll admit I have found myself waivering a bit on my resolve to

live simply to pay off my debt. I have gotten lazy with the cash envelopes, and while I haven’t bounced anything in the bank I am snowballing less than I initially committed to. I think part of this stems from an unexpected source: my husbands beating cancer. Weird I know! But we seem to have entered a honey moon phase of wanting to live large… going out to eat, tackling home improvement projects, etc. It’s good to appreciate ourselves and move forward now, but we need to get back on track. We sat down and spoke about it this morning as we sipped coffee on the deck, appreciating the gorgeous weather we were gifted today. It was a free moment of beauty and connectedness, and it really hammered in that we can be happy and alive without deviating from our debt reduction goals.

So here are our Jan-April monetary goals, which we have agreed to hold one another accountable to. I feel that publishing them to the group makes them more concrete! So my subsequent posts should update you on our progress.

Here goes:
– With January 30 paychecks, pay $3,000 toward mortgage. We have fallen one payment behind last month when husband was screwed over by an out of state bondsman who didn’t pay him for the contracted work, so this will put us back on track again. Not only did we lose the promised pay, but also the reimbursement of expenses of gas, time, etc to complete the job agreed upon… awful blow! (note to ourselves, no more out of state work with unknown/unrecommended clients. Costs to fly out to sue outweigh the initial checks most time… and they know this!).

– Also with Jan 30 paycheck, pay off remaining $700 on other capitalone card and close.

– Also with Jan 30 paycheck, catch up (where applicable) and/or make minimum payments on debts: 2 student loans, Discover, Target, Paypal, Amazon, Wells Fargo auto, credit union line of credit, wells fargo line of credit, helzberg card

– Only item on shopping list: dog food! Why only dog food? We have all the basics we need, and will be taking more advantage to the biggest perk of my job catering – free food from work. Will be bringing home meals, so no human food gocery shopping needed. Also fridge and pantry are fairly stocked for now.

– Fill cash spending envelopes next. Any extra to be budgeted for snowballs, to be thrown in DR recommended fashion from smallest debt to largest debt.

– ToDo: File tax returns. Use return money to pay off target credit card in full, and close account.

– When Tanda money is received, combine these funds with paycheck bonus to pay off auto loan completely and reduce insurance to liability only.

– Calculate monthly savings on this move (usual auto payment and insurance payment minus the lower insurance payment), and spend this exact money to kill off discover debt in next 6 months.