It occurred to me this morning that it is really much more fun to tell other people what's wrong with the way the earn, spend, and invest their money than to sit down and make some of the hard decisions about my own money.

No seriously. Tell me what your next paycheck is going to be and I'll form a 100% correct opinion in the next 20 seconds. My own? Blah.

Next month is EXTRA PAYCHECKS month around here which means some decisions have to be made. This is my thinking so far.

Roth IRA Investment Account $1,000

Car Repair Sinking Fund $1,000 (we totally emptied this out a couple of months ago when all 3 of our cars decided to get sick the same week)

Peer 2 Peer Lending Investments $300 (This Investment Account continues to do quite well for me, still earning a respectable 8%)

Child 1, Child 2 .. $200 Money I'll put in savings in order to handle the next unexpected expense they throw my way

House Repair - $1000 Our Chimney Rebuild has been completed and now we move on to a driveway resurface project

Schwab Taxable Investment Fund - $300

Education - $1000 Tuition money

Total $4800. So a little bit toward several of our goals. No vacation or big spending sprees. Maybe putting it here will make it more committed. But I'll likely change my mind about 10 or 20 more times before we actually get the money next month.

I am at about 2310 Swagbucks. Has anybody else ever noticed how hard it is to earn the last couple hundred needed to cash out? But as soon as I get enough for a $25 Paypal, I'll likely be sending that to my Loyal3 Investment account.