Its time to get back on track with the finances. I really, really let things slip in June. It seemed like things were getting better, so I spent..mainly on clothes. Semi-professional items i could wear to work and still be comfortable in. Most of these things were from Target. I will make more of an effort to avoid Target in July. In general, I was much looser with spending than I normally am.

I just havent been paying attention for the most part. Laziness. Its also been hotter than H lately - over 100 for the past week with several 100+ days the week before. All I want to do is get cool. All means and methods of logical thought are superceded by the desire to keep cool.

Need to go back to the library and get more reading from the financial section. That should help to stay on track.

I took a very long weekend. Was off yesterday and today. But its really been too hot to do a lot around the house. However, to stay on schedule, there are things I absolutely need to get done today.

Nothing brilliant this morning. I feel rather sheepish for slacking so much, especially since I am the one now feeling the consequences. I choose to look at it this way. All the bills are paid for June, including a couple that I didnt expect like tag renewals for my car; just wasnt thinking. I was going to make an extra payment on my mbna, which I will still be able to do. However, it will be much smaller than I'd hoped. $100 instead of $300. I paid cash for several things rather than run up the balance on my card. The ideal would have been to not spend at all, so I guess this is second best?

Its going to be a long, long wait until the next payday. There shouldnt be any major expenses during the month and 90% of my check can go to paying off the cc's. The check at the end of the month gets divided among the mortgage, utilities and one cc. It seems to be diluted, not leaving enough for a huge payment on the mbna. Really want to get that card paid off, so I can cancel. I keep using it, so the deadline keeps moving. Really have to change that. That's what July will be about.