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!):


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.


  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)


  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?

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)!

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