I still have to compile my monthly report from April, but I spent some time this weekend laying out the events coming up and determining how to change my budget to make them happen.
It shook out to five things I will do to make sure I can pay for my professional trip and December trip without adding to my debt (the wedding is another story I'll get to later).
#1 -- Automatically transfer money saved from adjusting withholdings to my hi-yield "emergency account."
Problem: I adjusted my withholdings again to have a little more money in my paycheck. But then I got a little paranoid about not paying enough taxes at the end of the year.
Problem solved: The "extra" money will go directly to my HSBC account each month. Come tax time next year, if I owe any money, it'll be saved up in the account and I will get to keep the interest. If I don't owe any money, then I can use what I saved to pay down debt.
(I am sure there is some simple way to figure out exactly what I'll owe and how much I can maximize my deductions... if someone out there has a suggestion, I'd love to know! And, I'll try not to be so lazy and find the answer myself as well)
Tomorrow: #2 -- Downsize the apartment.