by Hope
Without further ado, here is my spending plan for September.
| Flight Reimbursement | 9/1/2021 | 500 |
| Groceries | 9/1/2021 | -200 |
| Mortgage | 9/1/2021 | -350 |
| Princess – monthly allowance | 9/1/2021 | -300 |
| Saving – Emergency Fund | 9/1/2021 | -300 |
| Auto – Gas | 9/3/2021 | -30 |
| Utility – Gas/Water/Trash | 9/4/2021 | -150 |
| Pandora (Apple) | 9/4/2021 | -5 |
| USAA Life Ins | 9/4/2021 | -67 |
| GA Power | 9/5/2021 | -200 |
| Student Loan | 9/7/2021 | -300 |
| Auto – Gas | 9/10/2021 | -30 |
| Lawn Care | 9/14/2021 | -50 |
| Groceries | 9/15/2021 | -200 |
| Mortgage | 9/15/2021 | -350 |
| Savings – College | 9/16/2021 | -500 |
| USAA Auto/Renters Ins | 9/16/2021 | -457 |
| Auto – Gas | 9/17/2021 | -30 |
| Auto – Gas | 9/24/2021 | -30 |
| Gym | 9/28/2021 | -50 |
| Mortgage | 9/29/2021 | -350 |
| Amazon | 9/30/2021 | -150 |
| Car Payment | 9/30/2021 | -7900 |
| Savings – Christmas | 9/30/2021 | -500 |
| Gymnast – clothing | 9/30/2021 | -300 |
| Netflix | 9/30/2021 | -18 |
| Princess – clothing | 9/30/2021 | -300 |
I believe most of this is self explanatory, but there may be a few questions…
The Details
- Flight reimbursement – we are going to Texas for Thanksgiving again. But this time, both of the twins’ girlfriends from Virgina will accompany us. My dad and I purchased all the tickets earlier this summer when Southwest had a great deal. The girls are covering the cost of their tickets and had until 9/1 to pay me back. So that is income, but this is where I tracked it since it’s an unusual occurrence.
- Mortgage – I paid double my mortgage at the beginning of August, accidentally, but it worked out. Beginning 9/1, I am converting to bi-weekly payments of $350. This will keep me ahead of the due date and I believe help me pay it off more quickly. So for September, there will be 3 mortgage payments.
- Clothing – as I have every year, I will supply the kids (just the younger two at this point) with a clothing allowance. I’ve done this twice a year forever, so nothing new, but if you are new hear, that’s what that money is.
- Savings – I am ramping up my savings plan. Now that I know what Princess tuition will be come January, trying to be ahead of the game there. And then, of course, I continue to contribute to Christmas and my Emergency Fund. One thing to note is that the Christmas savings is so high because I did dip into that account to cover some of the college costs so need to pay it back. My savings plan will change a bit in January. More on that later.
I don’t think there are any other oddities.
Other Spending – maybe?
My dishwasher is slated to arrive this week so there may be a little bit of house spending in September just to finish out the kitchen, but it should be minimal. In fact, I’m more inclined to sell some items…so I may be doing a kitchen purge.
Princess took our Keurig and mini fridge. But I am finding that I have a number of appliances that I just never use. And am definitely moving into more and more of a minimalist mode. The clutter irks me, especially for things never used.
Questions? Comments?
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.
