Are you getting sick of these monthly updates? If so, you’re in luck because there will only be two more. Two! Well, fingers crossed there’s only two. I don’t want to jinx myself or anything.
This month was a three payroll month for me and we both got raises. Our annual gross salary increased by almost ten grand and I share this not to brag, not at all, but to be transparent, as I have this entire process. However, because coworkers visit this page (hello there, co-workers!) I’m not going to disclose who got what. Ask me how much I make in person and I’ll tell you, I’ve got nothing to hide. What I love most about Dave Ramsey’s plan is that it works, regardless of how much you make. Yes, if your shovel is smaller it may take you longer, but it works. You’d be surprised how much people assume we bring home in order to make this much progress… I can tell you you’re probably assuming wrong.
Rule number 3 of the Four Agreements: Don’t make assumptions.
YOU can do it, you just have to choose to do it.
We also got a boost this month in the form of a refund. $819.64 to be exact, from Navient. Looooooooong story short: one of the beau’s loans was eligible to have the last 6 months of payments refunded back to us once it was paid in full. This was a loan that was paid off back in September and we received the money in record time (compared to the 5 months we had to wait for a previous loan refund). That refund was applied immediately to the balance of the solo remaining loan; we chose not to have it deposited into our checking account.
Back to the stats!
This was our 14th month on our #financialpeacejourney and we’ve paid off a total of $80,937.71! That’s 90.86%!!
We only have $8,137.74 left to pay off! This month we hit the milestone of officially being under $10k!!
57 days until our DEBT FREE SCREAM! (December 26th)
Spending wise, we were pretty tuned in to what our budget dictated:
- but we did overspend on our grocery line by $14 and by $10 on the eating out/alcohol line
- the beau donated $10 for the Breast Cancer Walk through his employer
- and we spent $8.64 on Halloween candy (note: no pumpkins this year)
Fun was once again built into our monthly budget! We got two punches in the Nine Pin 26er Challenge and won free box tickets to see Phish at the TU Center. I can tell you that two beers cost us a whopping $23 at that show! Yikes! And we splurged and went out to dinner the night we got the refund from Navient. We used money gifted to us from Christmas last year (!) for this special date night. It was the first time we had been out to dinner together, just the two of us, since February! It felt funny and I was super conscious / aware of how much I could easily drop in just one night, but we made compromises and had a delicious meal. If you haven’t tried the impossible burger at The Shop, animal style, you’re missing out! And take the gamble on the $3 random cans of beer – they were a fun twist!
Personally, I continued strong with the 30 Day Minimalism Challenge. And despite not sharing each day individually on IG, I did complete 27/31 days. I did a giant email purge during the last week and let me tell you, that one felt oh so good! Logging in each day and only have 14 items in my inbox is a delight. I can now solely focus on what’s truly important. (For reference, I started with 788.) I also purged a shit-ton of trash, legit garbage, from my bedroom closet. Why I had been stashing wrappers, receipts and old band aids (not used) in a box, I couldn’t tell you. I’m continuing to make progress each week and have been focusing on small areas at a time. I know that storage container cabinet in the kitchen is calling my name… so.many.mason jars!
Speaking of the kitchen, we had some great meals at home this past month! Here’s a look at some of the meals we ate (a number of photographs shared on IG):
- Mondays: Indian stir-fry, tofu scrambles with home fries
- Tuesdays: lentil soup, black bean soup
- Wednesdays: spaghetti squash with a tvp & mushroom “meat” sauce, quick veggie stir-fry, tofu and broccoli
- Thursdays: homemade sushi with spring rolls, beans & greens
- Fridays: tempeh wraps with roasted broccoli, “fish” tacos
- Saturdays: pizza!
- Sundays: eggplant parm., a tomato bake with crescent rolls, beet balls and a homemade “mozzarella”
I also baked a beautiful (and tasty!) cake for the beau. He had been gone traveling for work so I decided to surprise him with a treat the day he got home (a sweet for my sweet). I stayed up late to bake the cake one Thursday night and then got up early the next day to pick flowers from our garden and frost it. This recipe is definitely a keeper!
Running wise, I only ran 45.3 miles. I don’t blame my running friend buuuuuuut she’s on holiday and I’ve skipped the last two weeks. I’m lazy and prefer to sleep when left on my own, ha! It’s pretty damn dark out there in the mornings now, FYI. Excuses, I know. BUT I did do two at home workout videos (Cardio Fix and Upper Fix) and it is SAD how sore I was following those workouts. Like, sore for days. Whelp. I need to do more strength training.
October also brought the finale of my second Financial Peace University class that I co-taught with my friend Rhi. It was a success despite only one person showing up and taking a chance on herself. I can’t wait to follow along with her on this journey! I’ll most likely be teaching one more FPU class in January – keep an eye out for that announcement soon! ((I do not get paid to teach this class; it’s 100% volunteer work. I will show up whether I have one person in the class or 50. You do not need to share your specific numbers/debt with me but I will share mine. You do have to show up to all 9 classes. You may have wandered into debt but you cannot wander out (there is no quick fix).))
Whew! What a month! The final countdown is on…