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New Chapter
Becky and Steve
Tomorrow is our 24th wedding anniversary and we are writing this blog from Phoenix, Arizona where we will drop our son off at college. We are so excited for him and so proud of him, but the house will be a little quieter without him. It will be interesting how our budgets will adjust with only having one kid at home now.
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Off to College!
Becky and Steve
So we are sending our son off to college this week which of course is exciting and sad all at the same time. This is our first kid to go to college, so we don’t know what we don’t know yet. We are driving him down to Arizona and turning it into a mini-vacation. Since we have done such a great job budgeting using Summit’s Climbr, we could quickly save more into the vacation savings and tap into those funds instead of racking up debt on a credit card. 
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Adjusting the Budget and Planning Ahead
Becky and Steve
We are entering the season where each month’s events come up and we haven’t saved for them or don’t have a special name for them in the budget: school registration, anniversaries, birthdays, and holidays. This year, we sat down and hashed out a plan. 
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Paid Vacation
Becky and Steve
No, we didn’t win a free vacation, however, it felt like our vacation was free because we owed nothing more than we had saved at the end of it. We didn’t over splurge on extra excursions and food and we won’t have an extra credit card bill to worry about next month. After we did our taxes in April we literally owed the amount of a very, very nice family vacation. Our savings was wiped out and we thought we were going to have to give up our yearly camping trip to Fort Wilderness.
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Life Happens
Becky and Steve
Most of us have health insurance plans that have a very high deductible with an Health Savings Account (HSA). Ours is $4,000 per person or $8,000 per family. Thankfully we have a very healthy family and usually do not need to use much healthcare. If we do, we know that we are going to have to pay the entire bill and that could set us back quite a bit for the month or year. Hence, the health savings plan coming into play. One of the biggest expenses families may face is medical bills.
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The Joy of Giving
Becky and Steve
“It is more blessed to give than to receive – Acts 20:35.” I don’t know about you, but I love giving gifts!
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