You gals! You guys! Ahhhhhhhhh! Can you believe these numbers?! We are so.damn.close!!! Ahhhhhhh! (Grab your phone and search in the GIFS section “Home Alone” – the first one that pops up with Kevin running around upstairs, waving his arms up over his head… that’s me, in my living room, right now ha ha)
Drum roll please: In November we paid off a total of $6,120.88! In fifteen months we’ve paid off $87,058.57 and $70,867.31 of that was paid off in 2018 alone. Gah! 97.74% done!
Our debt balance as of December 1st: only $2,016.88
Queue the “They see me rollin’, they hatin’…” song, ha! All kidding aside, this is the song we have queued up for December 13th.
Here’s how we did it this month:
We followed our budget! Nothing new! Well, for the most part we followed our budget. We did have some items that we purchased in November that we didn’t budget for:
- hosting for a website
- a window plastic kit (drafty windows)
- a replacement battery for Taylor’s iPhone
- windshield wipers for both vehicles and two air filters – mega cheap if you order online and install yourself!
- both of our vehicles had snow tires put on
- a 2019 planner for me
- ear buds and hair product for Taylor
- a Christmas gift for each of our parents
- and a birthday gift for Taylor’s dad
You’ll notice we bought gifts that weren’t covered by our gift sinking fund/envelope: we learned that we weren’t setting enough aside each month to prepare us for the holidays. Luckily we have some wiggle room – and it’s not like we spend an awful lot, one gift each – but in 2019 we’ll make an adjustment so that this time next year we aren’t guessing on how much to spend on each person. Oh, and we’ll now budget for snow tires each year seeing as it DOES snow every.single.year in the Northeast.
November was a three payday month for Taylor and my side hustle hours picked up now that I’m vending at the indoor Farmer’s Market location. Other than that, there was a whole ‘lotta sacrifice (or living without, or I should say less), as there has been throughout this entire process.
Meal planning-wise, we stuck to a pretty basic meal plan.
- Every single Monday we made our favorite Indian dish.
- Every single Tuesday we made fajitas.
- Every single Wednesday we made BBQ tempeh with GBC.
- Thursdays were taco pasta (plus pizza on Thanksgiving!).
- Every Friday was chili fries! and
- every Saturday was pizza.
Sundays lend for a little variety: I baked two cakes, made homemade sweet potato gnocchi, a curry butternut squash soup, the most delicious mushroom pie (that I’m also going to make for Christmas), Taylor tested out a couple pancake recipes and made homemade seitan breakfast sausage and we attended a family birthday dinner. I love this method of planning and am following something similar in December because it makes grocery shopping so much easier.
Let’s see, we still had some fun this month! We got two more punches for the Nine Pin 26er challenge and I cashed in my registration for the Troy Turkey Trot 10k. It’s a tradition I LOVE! I also got to hike a trail up to the scenic point near Mount Greylock with Paula; it was a gorgeous bluebird kind of day.
In all honesty, November was a blur. We just put our head down and kept to the plan. Sorry no additional photographs, I shared a lot via IG and honestly am just looking forward to my next post when we’ll be DEBT FREE!