January 15 is the tight point and all the finances are set up for it. That's what I get for buying a car with cash and using the credit card I pay in full for every home improvement shopping trip in the month of December. The good news is that starting February 6th I can start paying off all of those 0% interest debts I have accumulated for the house.

CC#1 676 (couch) can be paid off in February

CC#2 4061 (old debt) can be paid off in March plus in March we will buy the ventilation for the kitchen and bath and pay for DH's class that he wants.

CC#3 2900 (appliances) can be paid off in May

CC#4 2434 (old debt) can be paid off in June (final card)

And January 2010 we can afford to either remodel our bathroom or replace our windows. (Probably will replace windows since that will help with the heat bill).

On a more personal note, the 2 long weekends have helped me recover from my stress freak out and I feel ready to face my life again.

As to my budget, because of the car making temptation more easily accessible, I will probably have to wait a couple of months to see what the eating out budget becomes. My goal is to get us eating all meals during the week at home and to eat out once per weekend day. We will see how that goes.