Woah. October was a doozy. And I know technically the month isn’t over but our bank account is officially “frozen” until November first. We got hit with a number of expenses this month that don’t typically occur / we hadn’t saved up for AND my income was slightly lower with the transition into my new job. We cash flowed all but one item, but more on that one item to come.
Items we paid cash for this month that we typically don’t budget for:
- a new skirt and two new shirts appropriate for my new office job
- the beau’s Stitch Fix delivery
- a solo trip to the movies
- RAM for my laptop
- tuition for the beau’s upcoming class
- a hair cut
- a new (used) phone for the beau
- a visit from the plumber
- a hotel night in Long Island for a road race
- pumpkins and Halloween candy for the neighborhood kids
Also, spending $55 within the first week of the month out of food budget on a garlic braid might not have been the smartest move on my end but oh, was it worth it.
Food wise, we’re learning to just make it work. Completely cutting out our alcohol envelope was a littttttle rough, but again, we made it work. And did over spend a tiny bit. I think we only had take-out once (Chinese) and didn’t eat out at an actual restaurant at all. That last sentence is a complete 360 change from our lifestyle six months ago. Do I miss it? Yes. Is it personally worth giving up for a relatively short amount of time to pay off debt? Yes.
I mentioned in a previous post that our meal plan / schedule changed this month and I think it was for the better! Shopping was much easier and we didn’t get sick of the meals, which is a plus! Above is a photo of our second trip to the market (Trader Joe’s), as we only shop twice a month.
Mondays: Stir fry
Tuesdays: Lentil walnut tacos
Wednesdays: Sissy’s sandwiches
Thursdays: Indian over rice
Fridays: Spicy pasta in the crockpot
Sundays we planned ahead but switched it up each week. November I plan to do the same thing however I’ve got to plan and prepare at least two crockpot meals because the beau will be starting his evening class. I’d prefer to send him off / have him pack a dinner that wasn’t another smoothie (he has one for breakfast every day). The tricky thing is, it can’t be soup; he doesn’t prefer a soup as his entire dinner meal. I took out a book from the library to help me – it helps that books get delivered right to my desk!
The only item we didn’t cash flow this month was a new winter coat. A few months back we transferred my old cc debt to a new and much lower rated card with our local bank. We of course got a cc card with it and it sat in an envelope for months locked up. This is the debt we are currently working to snowball and are fully prepared (we WILL!) to pay off this debt in November. With funds getting low this month, I figured, eh, why not? We won’t accrue any interest… well, if you’re a friend of mine on FB, you probably saw my post that the representative who sold me my coat, also stole my cc information! I’m positive it was her as this card has never been used previous to that transaction. Needless to say, I took that as a sign and learned my lesson: ABSOLUTELY NO CC USE, EVER! If you can’t pay cash, you can’t afford it.
The only other budget action I took this month was offering to take on the occasional babysitting gig for a local family. I responded to a post on a private FB group thinking, why not? I do love being around kids and I could use the extra cash. For now its as needed, it may turn into a weekly date night thing once they settle into their new routines. AND she offered to barter my services for massages! Hell yes! If you’re in Troy and would like me to babysit occasionally in the evenings, just reach out!
With all of this spending, we still deposited $1,388.73 toward debt! Our new balance is $80,076.40 – so close to being in the 70’s! And in case you’re keeping track, we’re down 10.10% since September when we started this journey and I put my payoff goal out into the Universe…. which is exactly when I told myself I was sick of my current job situation and landed me a far better job; both mentally and financially. Believe in the power of positive thinking my friends!