Blogging: Goal: 15 per month Post number 15! Goal met! Busy month again but at least that gives me something to say!
Weight: Goal to exercise 3x a week and to be down to 150 by December 2014. I have only lost 2# this month and definitely have not made it with exercising 3x a week. I said last month I was rethinking this goal and have decided to increase it to 175 which is the point I stayed between the girls and little kids in addition to the point I was at when I met and married Matt. I know this is probably not where most people think I should be but it is where I am comfortable and plan to stay!
1. Pay off all debit by July 2015, except for mortgage. Updated this goal again this month as other than credit card debit we have a personal loan and after taking a hard look at this we have changed our plan to get all debit paid off ! At this point, I am unsure if we will stay debt free but it is a goal I want to achieve prior to making any other larger purchases. Goal met for this month.
2. Emergency Fund to $2000. We are sliding backwards again on this goal. I can’t seem to get my self ahead on this goal. It is currently sitting at $100.
. 3. Groceries: Spend $600 a month . Goal Met Total spent $600. I had planned to come in way under for the month but with some of the purchases we made at the beach in addition to stocking up on meat. I am glad to report that we did not go over for the month. In September, the plan is to make a huge chicken purchase but little else so I hope to be under for the next couple of months.
4. Gas: Spend $400 a month with any remaining to be move to Auto fund for repairs. Total Spent $499.72. Goal MET. I did add an additional $100 to the budget this month for our trip. The amount spent includes a small repair on the van and inspection, taxes and tags for the car! Hopefully we have gone over the hump with gas spending for the year!
Overall I did meet 4 of 6 goals. This is the same ratio as last month but different goals achieved. I am feeling much more optimistic about our finances so that is a huge step for me.
I have noticed that during the month of September, several of the blogs I regularly read are doing challenges for saving money and/or cutting the budget for the month. I am not going to participate officially with any, but I do hope to place a little more in savings this month. One of the reason, that I am choosing not to join in is that currently our budget does not have any wiggle room. If we stick to budget, than that is huge and means additional savings but in addition we are in the middle of Birthday season and I have already started slowing purchasing Christmas gifts, so no extra spending may be difficult as well.