Saturday, October 16, 2010

September Budget

September

Hi, yes, I know what month it is.

Things, as always, are crazy. My mother had major foot surgery over a month ago and I have been staying with her to help take care of her. Time at home has been intermittent and filled with laundry and not much else.

We are also slowly trying to prepare for Baby so, while I am home this weekend, we have been cleaning out the garage and the office, into which I am (hoping) going to move all the doll stuff, as the baby is going to go in the doll room. We have so much crap. I don't want to tell you how many HUGE boxes of packing peanuts I took out of my garage. Not to mention all the cardboard, aluminum and paper. By the time we got to actual boxes with actual stuff in it, we were beat and called it a day. I put the stuff on freecycle, and what isn't taken will go into recycling over the next few weeks. We had a crappy curbside recycling program until this summer, so we used to haul it ourselves. We stopped doing that regularly, and it started piling up. When our trash service got changed to one that would take these things, we were just putting out what we were actually accumulating on a weekly basis and never got to the stores of stuff in the garage.

So, anyway....

Income: as normal

Fixed Expenses: Power has been high. No Termite or insurance this month, so extra money in other areas.

Debt: Just down to the last two. Large payment to the student loan.

Variable: I finally have a clothing fund. We had our convention, so I had some money for that. Smugmug renewal. I cut the amount for our lawn boy, as we probably won't be seeing him again til spring.

Our account balances were getting low, so I set some money aside to build them back up again. Somehow, that didn't work out quite as I planned, as my account is still reconciling negative. Hoping to float til the holidays, when we should see some extra money.

Sunday, October 3, 2010

Payoff: Month 9

August:

cc 1,2,3,4,5: 0

Loan 1: 0
Loan 2: 11100.83
Loan 3: 9551.85

Debt: 20652.68
Paid: 2592.48

September

cc 1,2,3,4,5: 0

Loan 1: 0
Loan 2: 8991.85
Loan 3: 9664.90

Debt: 18656.75
Paid: 1995.93


Total Paid: 25251.13

I think I flipped what is loan "2" and "3" again. We paid less this month in order to bring up our waning bank balances. We also had an event over labor day weekend that I budgeted money for. We have crossed 25,000 paid ! We paid off the small loan! We have two loans and less than 20,000 left! This would all be very exciting, however, with the baby on the way we will not be seeing much movement in the debt in the coming months. I will start keeping a tally of our savings now. The goal before was to have all debts paid by April (my 35th bday). Now, we will save that money instead, and should be able to pay my dad off right after the baby is born, and pay the last loan by next December, depending on costs associated with having and daycareing the baby.