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Posts tagged with: Month in Review

Financial Goals for September

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I like Elizabeth’s goals post. Those type of lists always help motivate me and give me an easy way out when I’m trying to make decisions. While I’m not one for weekly goals, I think having a few monthly goals would be good for me.

After my August month in review post, I spent some time thinking about what was coming up this month. There are a few things that stood out when I considered September events and needs.

  • We ate through the freezer for most of the month of August. In fact, I haven’t been grocery shopping in 3 weeks. Meal plan win! So a big grocery shopping trip is in order…soon! (Especially with the news that we make get some of the outskirts of Hurricane Dorian later this week.)
  • My parents will be here for the last week of September. This won’t really affect me financially but it will add some social activities to our already busy schedules. But I’m excited that they will get to attend one of Princess’ volleyball games.
  • I have a PACKED work schedule this month between regular clients and project work. I will be utilizing every minute of my 11 hour work days to get things done. This is really good from a financial stand point, although I won’t see that side until next month. But from a logistics stand point, I need to stay super focused and on schedule.
  • I have paid all of our regular monthly bills this month. My operating account is close to $0 but it sure feels good to have all the bills paid. I believe we will inadvertently have a no spend month with as busy as we are. That combined with the heavy work load will be great for next month.

My September Goals

  1. Stock my freezer with my regular grocery budget and continue with my weekly meal plans.
  2. Stay on track with work and continue doing what I am doing from a marketing and work stand point. It is working.
  3. Avoid looking at my bank account. Avoid any temptation to spend money un-necessarily.
  4. Continue my daily exercise routine in the early morning hours. (I spent some time reading up on the health benefits of stretching and jump roping this past weekend and even more motivated to keep it up.)

Do you have personal goals this month? Financial or otherwise? Share them in the comments and let’s keep each other accountable.


Month in Review- August ’15

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Hello on this Tuesday evening. I hope everyone had a great holiday weekend.

I realized over the weekend that it is time for another month review, so let’s dive into it:

  • At the beginning of the month, we (GF and I) decided to do a garage sale (here). The thought was launched after reading a book about de-cluttering our house. However, after much work, we still have not done the garage sale :(. It’s still on the forefront of our minds, but the stars just haven’t aligned, where we’ve gotten a weekend free of no plans to just do it. Plus, we still have a lot of work to do going through our house. The basement is done, but the attic is only 25% cleared. My fear is that we are too late for garage sale season. Should we just hold off until the spring?
  • Here, I posted about my plans going forward for paying off my debt, albeit with some caveats. I’m keeping the fun fund going, continuing my contributions to my nephew’s ESA fund, continue contributing 10% of my pay to my 401k and pay weekly towards my mortgage ($150/week).
  • It the same post, I also outlined my timeline for paying off the debt. Hope fully this will occur in 18 months (now 17) before I hit 30, but most likely to happen in 22 (now 21) months.
  • In this post , I showed everyone the less than professional card I made for my dad for his birthday. I also highlighted some of the other things we did for him. He loved our gifts for him and we had a great time celebrating his 55th.
  • In that same post, I also shared my budget with everyone. This is the budget I’m going to use from this point moving forward.
  • In Weekly Update #22 (here), I shared my plans concerning my life after debt. This stirred up some controversy, particularly my plans concerning my retirement funding. My ultimate goal is to become financially stable without having to worry about a traditional job. This isn’t saying I’m not going to work at all; I do plan on making making still in some capacity.
  • The following week (here), I outlined my past, present and future stances on my retirement contributions. I received some great feedback from all you which I’m using to more carefully outline my post debt retirement plans.

Financially speaking, this was a very successful month back from vacation. All together, I was able to pay off $1,883.94 this month! Not bad.

And to update my balances since last week, here you go:

Loan NameInterest RateOriginal Balance- May '09Current BalanceTotal Paid OffPaid Since Last Week
Sallie Mae 015.25$27,837.24$23,719.92$4,117.32$0.00
Sallie Mae 024.75$22,197.02$18,604.04$3,592.98$0.00
Sallie Mae 037.75$20,692.10$0.00
$20,692.10$0.00
Sallie Mae 045.75$10,350.18$3,342.10$7,008.08$703.13
Sallie Mae 055.25$6,096.03$0.00$6,096.03$0.00
Sallie Mae 06 and 074.75$6,415.09$0.00$6,415.09$0.00
Sallie Mae- DOE 015.25$5,000.00$0.00$5,000.00$0.00
Sallie Mae- DOE 025.25$3,000.00$0.00$3,000.00$0.00
AES6.8$9,000.00$0.00$9,000.00$0.00
TOTALS$110,587.66$45,666.06$64,921.60$703.13

I hope everyone has a fantastic week!

 


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