by Hope
Month two of tracking my spending. There is certainly some variance from my forecast due to the last minute trip to Texas and some medical expenses plus an unexpected refrigerator repair. But overall, I was able to stick pretty close to the forecast.
| Date | Category/Payee | Anticipated Amount | Actual Spend |
|---|---|---|---|
| 09-01-2024 | Groceries / Hygiene / Dogs / Gas | -500 | -230 |
| 09-02-2024 | Auto Insurance | -1346 | -1346 |
| 09-02-2024 | Amazon CC | -1391 | -1412 |
| 09-03-2024 | Mortgage | -1015 | -1015 |
| 09-03-2024 | Investments | -350 | -350 |
| 09-03-2024 | EF Savings | -790 | -790 |
| 09-03-2024 | Travel Savings | -500 | -500 |
| 09-04-2024 | City Utilities - varies | -150 | -100 |
| 09-05-2024 | Princess rent for Oct | -750 | -750 |
| 09-09-2024 | Electric - varies | -250 | -359 |
| 09-14-2024 | Verizon | -350 | -312 |
| 09-20-2024 | Kids' Contributions | 1215 | 512 |
| 09-20-2024 | Frontier CC | -130 | -127 |
| 09-26-2024 | Windstream | -71 | -71 |
| Medical - Dr Visits | -394 | ||
| Refrigerator - repair | -120 | ||
Next month will pretty much be a wash as far as my debt payoff journey goes. But November will be full speed ahead again.
I am making calls about getting health insurance. Georgia is a terrible state for health insurance. The options are just terrible. And I still have to make a decision about my life insurance.
What the Future Holds
I’ve already forecasted out through the end of 2025. But with my new income and housing plan, I am beginning to revisit it. Plan for how to be completely debt free next year. And have a substantial emergency fund. I am planning to maintain my current savings plan through the end of the year. Then revisit beginning in January.

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.

