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A New Budget is Coming


I’ve had several commenters request a new budget…and I will address that after the holidays. We have stuck to the Fall Budget. As previously mentioned I will have to add in a line item for Princess senior year of high school.

For the last several months, I have paid the minimum on my debts, put $100 into my EF and then saved all extra income. I really thought I was going to be in a REALLY good place going into 2020, and I was excited to decide what to do with the “extra.” But having a client not pay has really hurt.

I’m planning to run new averages on all my utilities and reevaluate our grocery budget. Now that we’ve got several months of being down to 2 kids and me under our belt, I think some of the numbers will change.

Ready for the Holidays

The holidays are covered. I’m about done with my shopping and planning for experience gifts for Christmas. Now I’m focused on recovering from my none paying client and building my stable of clients for the new year.

The only thing left is to decide on the Christmas tree. If you will recall, last year, we decided to go with a real tree. We will not be doing that this year. But I am also not convinced that I want a fake tree, especially one that I will have to store afterwards. Ugh!

I saw this picture on Facebook and thought we might could do something similar with supplies we have in our Christmas decor box. (We have a ladder like this already, inherited from my family.)

Princess told me I was a “sinner” to even consider not having a traditional tree. History Buff loved the idea. I think my compromise is to purchase a smaller 4′-ish tree from Dollar General for $15. Then if I don’t want to store it afterwards, I won’t feel so bad for donating it afterwards.

I love Christmas and I want to decorate…I’m just not convinced I want the traditional tree this year. But I guess I will break down and do it, I do still have kids at home. And I suppose their opinion matters some (that’s sarcastic.)

Plan of Action – EF, Debt and Retirement


As any one who has been reading me long knows, I keep myself motivated during this debt payoff journey with small baby step plans. It’s been a while since I had one since my two remaining debts are quite large…

And as previously mentioned, I do think I need to start putting something toward retirement

So here’s my short term (baby step) plan…

For the remainder of October through December, I will continue with my current budget. Paying the minimums as listed toward my two debts. But putting all additional income toward my EF. If I continue making the same amount I have the last few months, I will reach a solid 4 month strong EF by the end of the year.

Then I will diversify a bit and split my additional income between a Retirement plan, not sure which one yet, and putting extra money toward debt payments. I have decided to prioritize the car debt over the student loans at that time.

Raspberry tea to close out a long day of walking around colleges

Raspberry tea to close out a long day of walking around colleges

I will redo my budget in December to take into account these plans AND adding a line item to save towards Princess’ last year of high school. More to come on that in then…

Life has been very good to us this year. Steady and quiet. A change from our last few years. I am so grateful for the respite after jumping from emergency to emergency.  I am now working on business plans for next year along with putting some personal goals down on paper.