We are now in the second month of the year and it is time for our check up to see how we are doing financially. We did manage to increase our savings for a down payment from 4% to 11% . While it's nice to show some progress it doesn't really seem like very much. There were a few medical bills that held us back, as well as our ever expanding food budget; feeding your family fresh fruits and vegetables in the winter is expensive.
One area we did improve on was our energy bill. Since it has been a warmer winter we haven't really needed to use our heat and we have been dutifully turning off lights when we leave the room, unplugging appliances when not in use etc. You know, all the things your "supposed" to do to reduce your energy consumption. Which, for monetary as well as, "I love the Earth" reasons, makes sense to me. Although when we got our bill, we seen that our energy consumption had gone down but the bill was the same amount because the electricity rates had gone up! *sigh* What ya gonna do? : )
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