October is traditionally a very tight financial month for us for numerous reasons

so other than the snowball payments I didn’t make much progress on advancing our cc payoff (just $70 extra). February should be considerably better, but a lot of that will depend on how Jellybean fairs after his surgery. I don’t keep a whole lot in our vet emergency fund, so I may end up hitting some of the money earmarked for payoff for the Little Chase bill in Feb, here’s hoping all goes well.
On the vacation planning front we have ordered in our state travel brochures from the various states we plan on visiting and they have started rolling in. We’ll order the ones from AAA later this month when they have the 2014 ones in hand.
We also decided to go the northern route to WDW and the southern route coming home. Believe it or not that is a major decision where campgrounds and such are considered.
No extra paid on the mortgage yet because we are still working on the cc debt.
That’s how we are doing so far on our 3 annual goals

Thanks for all the best wishes

Things have definitely improved. DH reviewed the payment plans I came up with, and I guess he just really hadn’t thought about how long we’d be making payments, if we went with the minimal payments he’d originally preferred. Sometimes having stuff laid out on paper can be a reality check, even though we think we’ve done the math in our head. So we’re going with a middle-of-the-road approach, working with a three-month payback plan. That was faster/more than he wanted, slower/less than I wanted, so it was a pretty good compromise. And I think the landlord will go for it. That’s a big chunk of change to come in each month for the next three months as far as the landlord is concerned, and then we’ll be square again.

A lot of stuff went sorta wrong in 2013, even though we had more farm sales than any previous year. We missed several important harvest dates such that our costs went way up. Some of that was lack of planning, some was lack of follow-through, some just Murphy. So we also talked about how to ensure that we didn’t make those mistakes again, and/or how to apply some Murphy repellent to our operation. We’re scaling back a little bit so that we can do what we’re already doing, better. We’re also focusing on what we know will bring in money, or save money, rather than trying a spattering of things which sound good but don’t pay off. We’ve got some solid product streams figured out and now we really need to hammer on the marketing end to ensure we sell everything we produce. So now I feel like we’re on a constructive path again, figuring out how to make things work better in 2015, rather than harping on each other for mistakes made in the past. That’s definitely an improvement.

Today also happened to start the 2015 kidding season, with the arrival of a nice healthy little goat kid, after an easy delivery. That always helps my mood. Maybe I should name her Millie. Maybe tonight I’ll finally be able to sleep without having bad/disturbing dreams about all this stuff.