Things were pretty ho-hum in terms of spending and budgeting in the month of September. No spending was crazy or out-of-line with what would be expected. Here’s our budget from September:
|Cell Phones (2 lines)||82|
|Rainy Day Savings||225|
The $50 household goods charge was for all those Bath and Body Works candles I bought (remember?) And the clothing purchases still never did include those black pants I was after (in fact, I didn’t go shopping again for the rest of the month after that incident). But the first weekend of October I managed to score a really cute pair for 50% off at Banana. That place is becoming my gold mine! (side note: how is a plain pair of black pants “super cute,” you may ask? Aren’t’ they all rather plain? And the answer is no. The ones I got are adorbs. They’re ankle-pants, like the new kind that are in style now. I know that’s not necessarily great long-term since they’re likely to go in and out of style, but I lurve them! They’re super flattering, go with a ton of stuff, and I will get lots of wear out of them!)
Our rainy day savings was a little slim this month: $200 toward our dental fund (in anticipation of hubs’ upcoming dental work needs) and $25 toward the girls’ college savings. Nothing else. I’ve really gotten a little too close to the line on our savings. I’ve been a little skimpy in favor of making larger debt payments. But this needs to stop.
We’ve got to beef back up our:
- 3-6 month EF (which we depleted down to about $1,000 back in August and have never replenished)
- car repair fund (which we always end up depleting everytime it gets to about the $1,000 mark. Right now we only have $75 in it!)
- annual fees fund (which is just silly to neglect because these are known and expected expenses)
So those will be priorities in the coming months.
The $500 toward our savings goals represents the $500 funneled toward Cruise 2016 (only 6 more months until the sale date! We booked 12 months in advance so it feels like it’s really coming up even though its still half a year away!)
That’s it for this month!
How was your spending in September? Are you anticipating any big holiday spending in October? I’ve really been trying to keep my eyes peeled for possible Christmas gifts. I’d rather spread out the shopping a little instead of having it all concentrated in December!