I'm back now as Mrs.Kaitlyn!
The wedding was awesome. There were a bunch of last minute expenses, of course, but the vast majority of our spending was conscious spending on what we wanted. And really, if we had had a limo, we would have missed the hilariousness of getting stuck behind a miniature pony pulling a little bitty cart (The joys of Amish country). Everything went so smoothly that the DOC I had really wanted would have been pointless anyway. Glad we saved that money.
We came in $3000 under budget. Woo! I was very excited to put that money back in the ING account, which has now been relabeled "emergency fund."
We're still hashing out what bank we will go with. Since we don't plan on staying in this area next year, switching to a local bank and then switching out seems like a waste of time. Easier to just add one of us to the other's primary account, but which one? I have BoA and he has Citi. Problems, problems.
Until then, I'm working on our new savings goals and coming up with a good budget that accounts for the "extra" money from no longer having car payments. Here's what I have so far:
Emergency fund 3 months expenses: $3000/$8000 37.5% complete
House downpayment fund: $0/$60,000. 0% complete (and likely to stay that way for a while...)
Car ins: $220 (this is still our unmarried rate. We anticipate it will go down)
Student loans: $420
Cell phones: $90
gas/electric: $250 (this is a very rough guess. Obviously it goes up and down all year)
Entertainment/dining out: $300
Individual play spending: $300 (so, $150 each that we aren't accountable for)
This leaves us with $2890/mo in savings/debt repayment.
I will probably split it $1000/mo into savings, the rest into student loan repayment.
I know what you are thinking: what happened to the money that came as wedding gifts? Some of it went to a desperately needed new laptop. The rest of it...Well, remember the cat that needed $1700 in surgery for her infected teeth? Now it seems she has a drug-resistant ear infection or something. She's currently on a round of REALLY STRONG antibiotics. If that doesn't work, she's going to need ear surgery. We find out next week. Sigh. So lucky she's adorable.