I received my bonus and tax returns this week. I’m using the tax returns to pay cc bill and the bonus to add to the hf. I had to paid off my car last month & had to take money out of the hf so that put me behind. At least that’s all taken care of and I don’t have to worry about paying the $300/month. All I have to worry about is paying the insurance, maintenance and whatever else comes my way.

Was involved in a car accident January, although it wasn’t my fault – I had to front the $500 deductible which I charged to my cc. The insurance adjustor does not know how long it will take for me to get my reimbursement check from the other party. It’s so frustrating. This is why I need a separate ef, so I don’t feel so bad.

Now: $13,416.20