Well, end of month is here (tomorrow)! Today puppy and I have been out in the kiddy pool getting her used to water. She’s passed out next to me now. I think I –finally- wore her out.

In the past two and a half weeks, we’ve been to the vet three times. Twice because her poop was loose and once because she spent the night puking with diarrhea. Poor thing has giardia and coccidia, along with a possible UTI and upper respiratory infection. Plus, she just stopped eating one puppy food. We had to abruptly change foods on her because she just wouldn’t eat the other one, no matter what we did to it. It is never healthy to abruptly change foods on dogs, but she’s a little puppy and had to eat. Luckily, she’s in pretty good spirits through this all.

So, needless to say, we’ve overspent on the puppy budget this past month (and have lost a lot of sleep). And this doesn’t even include her 12 week shots and kennel cough vaccine that are coming up in a week and a half (if she’s healthy by then).

Luckily, I already knew that dogs cost a lot of money, so I was mentally prepared for potential high vet costs. She’s worth it, makes me very happy and keeps us all entertained. I just was hoping to have a few months (or years) to save up! I have some catching up to do.

It is weird to see my credit card with a balance though. I’ve gotten so used to it being zero, or close to zero. I might have to carry a balance this month on it depending on our leftover money supply (which might be slowly increasing! Knock on wood!). Not the end of the world. It’ll be gone within two months for sure. Maybe I’ll borrow from our EF to pay it off and then pay back the EF just to avoid the interest. Hmmm…

I have still yet to receive the official doctor’s bills for my vitamin D deficiency. It’s been two months. I wonder when I will get it. Hopefully mail hasn’t lost it. I might have to call and ask… or I might just wait. The money’s there now. I am laughing at myself for worrying about paying them right away. The official bill never comes quickly.

We refinanced our car loan 2 this past week with our current bank. We got the interest rate to drop down .5% and we shortened the term. It’ll be a lot easier to pay extra too with online banking. I sent in the payoff check to Fifth Third Bank, and made them sign for it. They got it early Friday morning according to USPS, but have yet to process it. I plan to make a stink about it if they charge me interest until Tuesday. Now I know for sure it wasn’t the mail taking forever, it was the bank taking forever. I am so glad we refinanced it. Thank goodness I used to mail our payments three weeks in advance.

So onto June… We have a wedding out of town next weekend, and at least one vet visit in the works. I actually have several goals this month, so I’m quite excited. It’ll be an ambitious month, but I can do it!

Goal #1: Do not spend personal money. I am (partially) joining ScottishGirl with a no-spend month. I can’t do joint with a wedding to travel to and a sick puppy, but I can do my own personal money. I receive $65 per week for personal and gas. I spend about $35 a week on gas, so that gives me about $30 left over a week. My goal is to have $150 at the end, more if I use less gas (hard when I’m still coming home for lunch to feed and let the puppy out). I have $65 starting today (spent all of last week’s), so I’m including it minus this week’s gas in my June amount.

Goal #2: Open a personal savings with ING. I hope to go on a vacation this fall with a friend, but I have nothing saved up for it. I want to put the $150 I hope to save this month into a savings and add to it a little each week. Even $5 a week will add up by time fall comes.

Goal #3: Start a puppy fund. I’m debating on keeping this in my normal EF savings account, or open another savings account. I like having things separated, but when does one reach too many accounts?

Goal #4: Teach the puppy to lay down, come, and stay. She already knows sit. We got that in before the tummy problems really started. Hopefully we can start doing treats again this week. Treats help a lot in training her.

Goal #5: Sign up for puppy class. A need for socialization, but it must wait until she’s healthy and gets her shots.

Goal #6: Finish my cross-stitch. I hope to get it done this month in order to give it to my friend for her birthday.

Goal #7: Start getting motivated at work again. Quit procrastinating. Plan each day.

Goal #8: Complete at least three put-off long-term work projects.