Payday #10…

Payday #10...

I’m a few days late, but better late than never, right?  Here goes…

Where my money went October 18th – November 1st 

For a total of $921.98, which is probably over budget, but I didn’t actually set a budget last check-in… so, there’s that.

Where my money is going November 1st- 15th 

  • $514.02: to cover costs I put on my credit card last week during that trip (have I mentioned how painful it is to tell the truth…. groan).  I fully recognize that this amount was earmarked for debt repayment… here’s to next time .
  • $237.06: debt repayment
  • $25.19 emergency fund
  • Other fixed costs

New Totals

  • Emergency fund: $1052  which is up $26.10 from last check-in thanks to a big ol’ $0.91 interest payment… every penny counts!
  • Debt: –$32, 700 which is $3,452 down since my first blog post in June, and $6,786 paid off (and kept off) since January.
    • Side note: since I am so close to the end of the year, I’ve made a mini-goal to have $10,000 in debt paid off by the end of December. As you can probably tell, I’ve been struggling to stay motivated. I need a short-term goal to keep me focused. $3,214 in 2 months is  lofty (especially during the holiday season), but I think it’s doable.

Plan for the next 2 weeks: 

My homework from last check-in was to do more research on the habits of savers and side-hustlers and identify a few habits that I can add to my routine. I did start this, but with all of the work travel, I didn’t finish.  So, my ‘plan’ will be to finish my homework.

Since I have already pulled my savings and debt-repayment off the top, my remaining ‘anti-budget’ amount is $500. If I stick to this (meaning if I don’t sneak the credit card back into my wallet), I should be able to make a significant debt repayment next pay (which I’ll need to do to hit $10,000 repaid this year).  Wish me luck!

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