and I have to get out in it later. I have to take the girls to get registered for this semester of homeschool coop.

DH and I have been discussing the fact we are always broke, even though he makes a very good income and we are very frugal.


So, today I tweeked his paycheck. Seems he has been having more go to his 401K than he is bringing home. I am not sure how that happened, unless it got upped for one of those checks where nothing comes out but taxes and was never lowered back. Anyway, it will take 2 weeks (2 pay periods, gets paid weekly) to take effect. So, that will free up about $300 more a week. Then, I realized he had a 401K loan that will be paid off in 4 checks, freeing up another $100 a week. Then in 4 months his car will be paid off, freeing up another $400 a month.

Anyway, he paycheck is automatically deposited and many of the bills are automatically paid. So, we never really handle "real" money. If we had, we would have noticed it sooner. He double checks his paycheck stubs, but only looks at the pay part--he has not been looking at the actual deductions to see what goes to checking, savings and 401k. So, a lesson was learned by both of us.

In about 4 months then, his check will be double what it is right now, and we can then probably increase the 401K up some more.

Meanwhile, I am getting a bike off of freecycle (I posted the need, and low and behold the person who replied was a friend of mine!). I have posted several things to offer but no takers yet--probably due to the weather.

Last night I finally got a set of bookshelves put up and loaded. My dad bought them at a library sale for around a dollar. They are heavy duty metal--the kind that hold books on both sides. That enabled me to get several more boxes unpacked.