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Hope’s Spending Plan – November, 2022

I’m really behind on my planning and tracking so I’m certain this change this month. But here is what currently remains in my spending plan for the month of November.

Utilities – Gas, Water, Trash	11/4/2021	-100
Counseling	11/10/2021	-60
Princess – monthly allowance	11/15/2021	-150
Car Payment Savings	11/15/2021	-250
Christmas Money	11/15/2021	-500
Auto Insurance	11/15/2021	-1021
Counseling	11/17/2021	-60
Thanksgiving	11/19/2021	-500
Counseling	11/20/2021	-60
Storage	11/21/2021	-65
Kennel	11/26/2021	-380
Dad – Flights	11/26/2021	-1000
Counseling	11/27/2021	-60
Netflix	11/30/2021	-18
Adobe	11/30/2021	-20
Amazon	11/30/2021	-150
Mortgage	11/30/2021	-661

There are quite a few unique things about this months spending.

Counseling – It won’t be a long term commitment, but I knew we needed help to get through some personal challenges. The counselor does not take insurance, but works on a sliding scale.
My dad helped us with the Thanksgiving flights, but the twins’ girlfriends paid for their own tickets. And I’m planning to give dad some money towards them as well. This is my plan. Whether he accepts it or not is a whole other matter, but I will be prepared.
I can’t remember if I told you that I told you all that I’ve rented a storage unit. This will be a monthly charge for the next few months.
Thanksgiving trip money is just an estimate. I typically have little to no expenses when I’m at my parents.
Kenneling a dog is EXPENSIVE! I’ve thought of having one of the kids’ friends stay at our home and watch her but I’m just no comfortable with the idea.
My car insurance is high because…I didn’t pay it last month. Ugh!

I’m catching up. Slowly. Just been a mess emotionally so I’ve kind of slacked off in my planning and record keeping.

Incidentally, I found a wonderful little blog called Our Debt Free Family. If you get a chance, check it out. It’s well worth reading.

Hope

Hope is a creative, solutions-focused business manager helping clients grow their business and work more efficiently by leveraging expertise in project management, digital marketing, & tech solutions. She’s recently become an empty nester as her 5 foster/adoptive kids have spread their wings. She lives with her 5 dogs in a small town in NE Georgia and prefers the mountains to the beaches any day. She struggles with the travel bug and is doing her best to help each of her kids as their finish schooling and become independent (but it’s hard!) She has run her own consulting company for almost twenty years! Hope began sharing her journey with the BAD community in the Spring of 2015 and feels like she has finally in a place to really focus on making wise financial decisions.

Mental Health & Money

by Hope

My mental well-being has been challenged in ways that I have never experienced before and I am struggling on every front as a result. It has affected my parenting, my work, my finances, my decision making…my whole entire existence. (Yes, it is related to my now 4 year old relationship.)

As a result, I have spent money I had no plans to spend…two trips out of town. One literally decided and planned the same day.

I am fighting to keep my faith and joy in a relationship that has been so strong and such a pivotal turn in my life, but I am drowning at the same time.

Emotions overwhelm me and I’m so isolated when it comes to “adult” stuff. This has been really, really hard. Like walking through a fog all the time.

I can relate so well to Beks recent posts on stress spending, aloneness and such. While I haven’t really shopped, I have certainly spent money that I didn’t plan on and more than that, without any type of planning.

Every day I feel like I’m going to bounce back and be myself again, take on my to do list that is so far behind and catch up at work. And every day, I fail. Like miserably.

I’ve cut my hair off (see picture above), thanks to my daughter who is in cosmetology school.

I cancelled the unused gym membership.

I’ve opened and closed my budget worksheet so many times that it’s just stupid.

I’m floundering, big time.

But I’ll get through this too. Just wanted to jump on and let you know the reason for my MIA status. Prayers appreciated. I’m slowly making my way back to being me again.

Hope