October 2014 Wrap-Up! (with budget pictures!)

Yes, I know. This has been a long time coming. The first week of each month seems to kick my schedule around and throw it out the back door.

However, I feel like there were more pros than cons this October. I don’t feel like it was a total failure. Make sure to go check out the Debt Payoff page as well – I updated it this weekend!

Without further ado, here are the screenshots of my October budget (click on each one to see full size images!):

10_2014_2

Screen Shot 2014-11-12 at 12.51.15 AM

This PearBudget spreadsheet really makes it easy to see where I’m spending money. Also of note, some individual things like rent, insurance, etc. aren’t listed here – but are all conglomerated under “regular expenses” in the second picture. This October I was way over budget at -$212.49. However, that’s way WAYYYYY better than last month when I was at -$375.17. That’s a $162.68 difference/improvement! It also may have helped that I tweaked some amounts, but I’ll go into that next!

Housecare: I ran over by less than $30. I’m going to be ok with this because I caught up on TWO overdue balances that upped the bills in this category. That being said, all bills in this category are now CURRENT! 🙂  This was a category that had the budget increased for this month.

Groceries: I was UNDER by $1.26. Hey, that’s still under. Win!

Dining out: This is always my biggest struggle. However, please note an improvement from last month – TWO days WITHOUT dining out expenses vs. last month’s EVERY DAY dining out expenses. This column will always need improvement.

Car gas: I was under budget by less than $20. That’s a WIN in my book.

Haircuts: I actually got one this month and went over budget. Not surprised. I’ll go back in 6 months and do it again.

Miscellaneous: Ugh. This turned out NASTY. I was hit with overdraft fees/annual CC fees this month due to some poor planning on my part. Those did not help me stay anywhere NEAR my estimated expenses. I even increased the budgeted amount for this category. Not a win for October.


GOALS SET FOR OCTOBER:

  1. Up the budgeted amounts for housecare & miscellaneous columns. — SUCCESS! (Did I meet those budgets? Eh.)
  2. Stay under the $100 dining out budget. — NOT A SUCCESS! 
  3. Get at least ONE of my monthly bills lowered by calling and asking for a better deal. — SUCCESS! (Internet bill down $6)
  4. Make at least $100 in side hustle cash. — SUCCESS! (Done via extra shifts at bar, online work, and direct sales business)

GOALS FOR NOVEMBER:

  1. Avoid ANY overdraft fees! Those suck!
  2. Eliminate STORE CARD debt! (See Debt Payoff page!)
  3. Make at least $150 in side hustle cash. (Keeping this goal conservatively growing.)
  4. Stay under $100 dining out budget. (I can hope.)

 

Let’s see how November goes, it’s already off to a crazy busy start! Must have something to do with all these pesky holidays coming up!

PS: Also, I got a shoutout on writingnotraging.com with my September budget results! I’m glad I could inspire someone to take a look at their own finances! 🙂

How was October for you? What goals do you have in November?

Advertisements

3 thoughts on “October 2014 Wrap-Up! (with budget pictures!)

  1. Thanks for the mention 🙂

    I waited until November 1 for my haircut trying to keep my budgets on track but I think I’m going to allocate one for myself every three months–it was just so nice and I hate waiting 6 months because I feel like I can’t afford it!

  2. I think dining out definitely adds up. I had the same problem, cooking at home has reduced my expenses by a lot… I’m still tracking the difference bc initially it costs more (buying kitchen supplies and tools)!

Have something to share?

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s