Wow, it's been a week since I last posted. Where does the time go? I'm on this site everyday catching up on the blogs, but I haven't had the time to sit down and write one myself!

Things are hectic but fine. October was a good month financially. I got a small bonus at work (unexpected) and MIL gives us some money each September, so we have that in the account as well. It came in handy. We paid off the small remaining balance on our HELOC ($1700+), so now we have about $20k on 0% ccs from the addition we put on the house. The 0% on one card expires in March, and the other next September, so we'll be working to pay those off in time.

We also took some of the extra money and boosted up our emergency fund. We near-depleted it last April when we paid our huge tax bill, so although it still isn't as high as I'd like, I'm at least comfortable with it.

The remaining money is going to sit in the checking account through the end of the year. In addition to the bathroom remodel, we have both kids' birthdays (and parties, presents, etc.), and Christmas. So rather than feel pinched, we'll leave the buffer in there and get through the end of the year...

The bathroom remodel is going slowly. Our contractor took a look at it and said he would do it. We haven't had time to pick out fixtures/tile, and he hasn't sent us the estimate yet. On the one hand, I'm ok with the pace (the slower it goes, the longer before we begin paying!). On the other hand, he said it would take at least a month to do it all, and I'd prefer not to be under construction through the holidays. We'll make due, though.

So that's about it...hubby's been travelling, the kids are busy with school and activities, and I'm busy at work.

(Forgot to mention, I had a RAOK done to me today. I left my monthly train ticket on the train today. Luckily I had my name and # on the back of the ticket, so the woman who found it called me. She gave it to the conductor, and he was going to put it in the lost & found at the station for me. So I'm hoping to get it back tomorrow. I have a single ticket to get me in tomorrow, but if I have to replace it through the end of the month it'll cost me about $60!)