On the way home today I was thinking now may be a good time to open that secondary joint checking account before the start of the new year. Right now we have everything put into one account and DH has access to it with a debit card. Even though we are trying to use all cash for the most part, we will still occasionally use the debit card for gas or grocery. Plus I have automated transfers coming out of that account to other accounts. I want to have an account that is not touched by debit cards or automated transfers. So I think I'm going to open up the secondary checking account and keep the other joint checking for money that comes in and money that goes out. That way I can build a nice reserve of funds in the secondary checking account. I guess it will serve as backup money too without having to touch savings. So I'm going to look into opening a second joint checking at the credit union.

I am also going to look into resuming our $50/month automated transfer into our T. Rowe Price mutual fund. We were doing good with it last year but had to stop. So I would like to get that going again at least by January.

I deposited $120 into our money market account yesterday and $5 into my personal savings. I also deposited another $5 into our money market account today. So our accounts are growing. But....if only bills did not exist!! We have to pay our taxes on our car next week. It's only $63 but I wish I could put that in savings instead.

I am making a to do list for the month of December so that I can start the new year off to a good start. DH and I are also going to the beach at the end of the month for a quick weekend. I need it too because I am exhausted from working! My house is getting cleaned today, which makes me feel so much better. I clean houses. So one of the people I clean for on a weekly basis cleans my house on a weekly basis. We exchange services. So I don't have to pay for it. It feels so good to have your home cleaned by someone else! Plus I have heard that the more organized you are, the more money you save. I really believe that. I feel so much more organized and on top of things, especially financially.

Well I am going to take a nap. I am soooo tired....