by Hope
I just reviewed my forecast for the month. Thought you might want to see my planned spending and known income:
| Payee | Amount |
| Mortgage – part I | -$599 |
| Health Insurance | -$76 |
| Income | $684 |
| Amazon CC | -$96 |
| Gas/Water/Trash | -$150? |
| TX Savings | -$20 |
| TX Stash | -$20 |
| Income | -$20 |
| Electrician | -$1,210 |
| Sam’s Club CC | -$33 |
| Electricity | -$43 |
| Upwork | $500 |
| TX Savings | -$20 |
| TX Stash | -$20 |
| Verizon | -$350 |
| Auto Insurance | -$737 |
| Mortgage – part 2 | -$500 |
| Income | |
| TX Savings | -$20 |
| TX Stash | -$20 |
| USAA CC | -$181 |
| Beauty – phone | $71 |
| Gymnast – phone | $75 |
| Frontier CC | -$157 |
| Princess – phone & internet | $114 |
| Income | |
| TX Savings | -$20 |
| TX Stash | -$20 |
| Storage | -$79 |
| Internet | -$63 |
| Apple CC | -$ |
| Total | -$3,010 |
If the amount is blank, it means I don’t know it.
Some notes:
The total looks scary with just two weeks of income left to be calculated. However, my mortgage (part 1), the electrician, and health insurance are already covered from last month’s income.
There is no budget for gas or groceries this month. That is intentional as I am moving completely out of the house at the end of the month, so I want to eat through everything here. And I have no plans to leave a 3 mile radius of my home so my current full tank of gas should last me easily. I believe I have enough food to last me even if I am down to peanut butter sandwiches by the end of the month. (My loaf bread is kept frozen now and just toast it as needed so it doesn’t go bad.)
I do have additional income, but it is not predictable as far as amount or when I will get paid. It also goes into my business account. I have several business related bills that are covered from that account. The current balance of that account is right at $250 so it’s got enough to cover this month’s bills and some. When business is good, I would typically set up my Verizon and Internet bills to be paid from my business account. (Note: Upwork income, as seen here, requires that it be paid to a personal checking account so I cannot set it up to go to my business account.)
The TX Stash and TX Saving line items are weekly transfers to my ROTH account and my savings account. It’s not a lot but it’s something.
Things are tight. But nothing is late, nothing is over drafted.

Hope is a resourceful, solutions-driven online business manager with over two decades of experience helping clients streamline operations, manage projects, and grow their businesses through digital marketing and technology.
But life has a way of rewriting your plans.
A year ago, Hope made the decision to move in with her aging parents full time – a season she wouldn’t trade, even as it came with its own financial and emotional weight. Earlier this year, she lost her mother, and is now walking the tender, disorienting path of grief while learning what “forward” looks like from here.
Hope came to the Blogging Away Debt community in 2015 as a single mom raising five foster and adoptive children. She’s written through job changes, financial setbacks, and the bittersweet transition to an empty nest. Her kids are finding their footing in the world now – and so is she.
Rooted in faith and fueled by the same perseverance she’s brought to every hard season, Hope is ready to face her finances with fresh eyes and an honest pen. She believes that clarity, courage, and community can change the trajectory of anyone’s story including her own.
She lives in Austin, TX with her dad, loves adventures with her dog Addie, and is figuring out, one step at a time, what this next chapter is meant to be.
