So basically the story is: Less liquid assets, BOO! More liquid assets, YAY!
KBB dropped the value of my car a tiny bit.
Cash and Cash Equivalent
I benefited from three pay periods and getting my locality pay adjustment in the last pay period of the month.
My online savings accounts benefited from shifting over the excess in my overdraft fund and from the extra $200 contribution I made to my condo fund (apportioned from the "extra" pay period).
I decided to wait to boost my savings allotment (I shoot to have my overall short-term savings be 10% of my gross or higher) until the first pay period in February to give me some breathing room, but I still think this was a healthy increase.
Eh. I guess it could have been worse?
Beyond the usual payments, I also made an extra $200 principal payment to my Perkins. This is at a slightly lower rate of interest than my credit union loan, but it hastens the payoff date by a significant amount.
This doesn't really tell the story at all. I charged a lot, paid some of it off with holiday funds, charged some more for clothes and a trip to Philly, paid almost all of it off with my extra paycheck, then charged some more for my prescription sunglasses (which will be their own entry very soon), and was left awaiting reimbursement. If not for that, my new charges would have been paid almost to zero, well before the new statement date.
I think I've decided that I'll start making a payment twice a month, once mid-statement and once after the statement closes (excluding reimbursement payments, which I'll just send over when I get them). This should help keep me on track and keep my balance below 10% of my credit limit. I'm already earning some decent cash rewards.
The Month Ahead
I've already gotten through a big birthday bash weekend (and stayed largely under my spending target). I'll be attending a play, but since I already paid for both tickets (half-price!), my dinner will largely come out of being reimbursed by my friend.
My tax refund should hit the appropriate accounts within a week or two, which will boost my savings.
With my pay raise, I finally feel like I have breathing room to deal with all my flexible expenses. I still have to plan for certain purchases (I think I should get one more pair of shoes sometime in the near future), but I'm not stressed. And that's a good thing.