I'm trying out the strategy some of you had suggested: sending BIG chunks to the goals all at once rather than breaking up every extra bit of money into tiny pieces to send to all of the goals. It is MUCH more satisfying.
I'm also trying to keep a tight lid on our spending. It hasn't gone perfectly, but it has gone well enough that zero dollars of my freelance check have been used to cover everyday expenses. Which means...ALL of the checks went to goals. Now that feels good.
So far this month, my freelance checks meant
-$800 to my IRA
-$600 in extra to the mortgage balance
and we put away $400 in college savings, and $270 to the emergency fund (soon to be $540, because Friday is payday).
So all in all I'm pretty amped about January progress. I just hope we can keep it up.
big chunks DO feel better...
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