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September

September 26th, 2014 at 01:06 pm

Here's my recap on September:

Wins
-Eliminated $467.58 in debt
-Added $392 to savings
-Paying cash for groceries

Learning Experiences
-$400 is a little bit too much for groceries if we're shopping knowledgeably
-Paying cash for those groceries made a huge difference on my thought process of what I could afford
-We don't make $3800 a month, we make closer to $3600
-We pay $20 more for TV a month than I thought we did
-My husband's toll pass comes out every 4 months or so
-I realized all these things a little too late in the month to make any real changes to the budget. I trimmed where I could, but at the end of it, we only have $10 in checking to close out the month.
-We spend more on gas than I thought.

Changes for October
1. Grocery budget is reduced by $40 to $360 ($90 a week)
2. Not adding anymore to savings while we pay down our credit cards
3. Extra paycheck month
4. We're using the extra paychecks to help fund our honeymoon in December(too late to cancel now, though I considered it)


I can't wait for October to start. I've updated my numbers for the end of September since I do a weekly update every Friday. I know that I've tweaked the budget for October based on what I learned this month. Either way, we made some really great strides this month and I'm very proud of us.

Posted in Budgeting, Credit Cards, Debt, Personal Finance, Saving Money | 4 Comments »

4 Responses to “September”

  1. creditcardfree Says:
    September 26th, 2014 at 01:24 pm 1411737847
    1411737847

    I like how you broke down your thoughts with wins and learning experiences! You should be proud...keep moving forward.

  2. just a thought Says:
    September 26th, 2014 at 01:35 pm 1411738506
    1411738506

    Way to go! Can you add a "Savings" category to your sidebar so you can track that going up while the debt goes down?

  3. CB in the City Says:
    September 26th, 2014 at 01:38 pm 1411738711
    1411738711

    Aw, don't cancel your honeymoon! Just don't go overboard. Some things are worth funding!

    My son and his wife are FINALLY taking their honeymoon this November. Ten years after their marriage!

  4. snafu Says:
    September 26th, 2014 at 06:38 pm 1411756724
    1411756724

    Good on you, enjoy your wins! To reduce food spending, it's helpful to do a speed inventory of pantry/cabinet, fridge and freezer to see what's at hand to be used with the addition of only one or two items. Try meal planing by asking DH and DKS [if old enough] for their six most favourite meals. That base with a bit of tweaking can serve as the launch for easy peasy planning and grocery shopping. As a new bridge the 1st thing I learned was never go shopping without a list. It costs $ 20. minimum to walk into the food store for one forgotten item lol

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