Boyfriend gets paid every week, with an old fashioned check… not direct deposit, which is slightly annoying (although the weekly thing is quite handy). However, I'll deal. We DO have to get a brick and mortar joint checking account set up. Because having to fingerprint his check so we can deposit it into my account will get old pretty fast. For now, we've decided to use his check for paying extras on things, like credit cards and dental bills. After we take out 30% for his taxes (hm, it's nice to transfer money IN to ING again, even though it will be taken back out for the IRS in a few months), 50 dollars for his weekly allowance (which he has said he'll try to get down a bit… I just feel bad that it can't be more!), the rest goes to paying debts off. My paychecks will continue to be used for our regular bills, like rent and stuff. Until we get debts paid off, I think that's probably easiest. We'll see. The next step after that is to go back to having our entire sum of a months checks in an account to transfer into checking on the first. That was SOOOO much easier.
My credit cards have been seeing a lot of use lately, which is really bad. But now that we have a second income, I'll be able to buy food with cash, not stick it on the ole credit card, which I am removing from circulation. My card will be paid off in 3 weeks, then we'll be paying off my dental bill. HOPEFULLY, this means that we'll be debt free (with the exception of my one last student loan) by January. That's the plan, anyway. I also realized that I've not been counting on extra paychecks from boyfriend and from me. Mine is in January… which I'll probably use for my car insurance, but boyfriend has a couple in there (October, January, April, etc). And I have a Christmas bonus (hopefully).
After that we're going to be putting every last cent into savings. It's about time…
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