Okay, I have decided all extra goes to credit card debt until it's gone. I just want to see the end of all consumer debt! (we will still have a mortgage, but that will be worked on soon...) Savings is limited to $300 a month to cover car and house insurance, plus property taxes over the year. We have 3000 in savings and are going to stop adding to it until the credit card is GONE - probably 5 more months. Then we will start bumping up the savings to a very comfortable emergency fund just in case....

Nov. Budget

Mortgage  1200

Savings       300

Utilities       740

Variables   1200

Credit card   800

Total            4249

Income        4624  (any extra will go to pay unexpected bills; I might get a sort of large check for some writing work by the end of the month and we will split that between holiday gifts and credit card debt.)