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Hope’s Anticipated Spending – Week of 9/28


Our house is in chaos these days. Lots of upheaval and change, some expected, some not. But thankfully, I’m still able to keep my eye on the prize of getting out of debt as quickly as possible.

I’ve made some decisions that are going to get me in hot water with BAD readers this week, but I am at peace with them. More on that below.

Here’s our planned spending for our first week of No Spend October!

Anticipated Spending - Week of 9/28

Income *after taxes$576
Volleyball - entrance fees($5)
Princess - camp savings$178
Camp Payment($178)
Utilities - water, sewer, trash, gas($127)


Note for this Week

  1. We are going bare bones this coming month. No extra on anything. My only debt payment that would have been due this week is the tax debt. But since I’m ahead on it, I do not have to pay it this month.
  2. While this week’s numbers make it looks like I’m upside down, I’m not. I have cushion to cover week’s that I don’t make as much as I spend. And the first of the month is always a high spend one since most of my monthly bills are due then.
  3. Tuesday is Princess last high school game. We are both ready for the season to be over, but she has made some great friends which I believe will last a lifetime!

Homeschooling x2

This week I made the very hard decision to pull Gymnast out of public school. It was not what he or I wanted. And I did not make the decision lightly. There is lots of back story, but the bottom line is that the constant threat of violence and assault wore me down.

He has been physically assaulted on multiple occasions since starting at this school in January. And this past Friday night (not yesterday, the week before) he was ganged up on while attending the Friday night high school game. (His beloved phone was shattered, and he ended up having to spend the rest of the game sitting with police to stay safe. Thank goodness for good friends who got him away safely.)

The school’s response was “we talked to them and told them to cut it out” and “those boys can no longer attend football games.”  But I’m sorry, that’s just not enough. He and I have received threatening messages via social media, and the worry was driving me crazy. And frankly, the stress of it was altering him, and not in a good way.

So for now, I will be homeschooling him. And I feel terrible about it because he LOVES the social aspect of school. But I will tell you, in just the two days since the decision was made, he is “lighter” than he has been all year. I can visibly see the reduction of stress and fear. He is smiling again, he is laughing again and he is playing and joking and wrestling with his siblings again. Seriously.

Financial Implications

I have all the curriculum I need. Thankfully I did not get rid of high school type materials because I thought the kids could use them as resources. He will be eating at home more often (both breakfast and lunch are offered at the middle school for free due to the extreme poverty in this area.) But otherwise, I don’t expect much in the way of finances.

This is NOT a PERMANENT decision. But it is a for now decision. And I’m at peace with it, although hate it for him.

Hope’s Actual Income and Spending – Week of 9/14


It has been a crazy busy week. I think I could actually say that every week these days. But with the addition of my parents and sister here, a trip to Atlanta, a trip to Charlotte, Princess homecoming game and dance and preparing for History Buff’s arrival this past weekend, it was busier than usual. Oh, and did I mention I picked up a couple of extra work one-time projects.

But even with all that, I think I did good with money. What do you think?

Actual Spending - Week of 9/14

Income *after taxes$378$730
Volleyball - entrance fees($10)$0
Storm Preparedness($50)($77)
Dining Out($50)
Homecoming Football($11)
Credit Card Cash Rewards$13


Notes on Spending

  • Gas – My gas was high. I had doubled my typical budgeted amount knowing that I was driving to Atlanta to pick up my mom and sister from the airport and then a couple of days letter driving my sister to Charlotte to spend time with her friend. But it wasn’t enough. But it was a good reminder of how much I am appreciating my new regular budget…1 tank of gas per week rather than 2 or 3 when Gymnast was going to gym 4-5 times a week.
  • Eating Out – we’ve been doing really well with not eating out. But Friday night Princess and I were at loose ends and we called my grandmother and mom to see if they wanted to eat out with us. We tried a new Mexican restaurant and had a great time. It was a real treat for all of us.
  • Homecoming Money – Princess paid for her football game and homecoming dance tickets, but I did give Gymnast money to get into the high school homecoming game. This was his first, and probably last high school game of the season, since he typically has gymnastics on Fridays. (I let him skip this week to have this experience.)
  • Amazon – Our restock of toilet paper came this week and it’s charged to my Amazon account. As soon as it was received, I paid it off again. I’ve had that account paid of for almost a year now. *pats self on back
  • Credit Card Rewards – I was so excited about my cash back rewards last week I had to cash these in this week. It’s fun to watch my savings account, even if it’s just a little at a time. (And I got a $10 affiliate check from Self Lender, I put it in this new savings account too.)