July has been hot, humid and steamy which has made it uncomfortable. But this July has also made my finances uncomfortable. (…stretch?).

First the missed Citi Payment. Then the 2nd half payment for Kenny Chesney tickets (yes, it’s out…I’m a country music convert – I will either gain or lose an audience for this. Ha!). And to top it all off, I still haven’t found an “affordable” flight to the west coast for my friend’s wedding in late August. Flights have been in the $400 area for about a week or so now and I’m beginning to think that’s where it will stay until after the wedding.

Oh well. I think the lesson learned this month is that sometimes you just have to say, ‘okay – minor setback’ and then just push forward. August is not only another month with 2 more paychecks, but I’ll be receiving my security deposit from my soon-to-be-former landlord.

A near $2000 increase in net worth! That feels really good, however I think I’d be even happier had the majority of the increase come in the form of credit card payments, but either way – the increase was a good thing.

Though it’s nice that during the same time that I decide suspend retirement contributions my “lame duck” 401(k) has a near 12% jump.

So, to sum up, my success in the past month seems to be from good luck in my 401(k) and an increased paycheck.

It’s simple stuff, but as I’m learning it’s patience and discipline that whittles away debt.