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January 2014 Results

February 3, 2014

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7932571974_aebaea40d8_zJanuary is officially over! Here is my total January review:

2014 Goals:

  1. Increase savings account to $1,000 – PASS – Savings aren’t up to $1,000 yet but I have made progress in that direction.
  2. Demolish $10,000 worth of debt (This goal may have to be revised throughout the year as I have no idea yet how quickly I will be paying off principle and how much interest I will be accruing each month) – FAIL – In order to be on-target for this goal, I would have to pay off $833.33/month. My total debt only decreased $146.33 in January. I will work harder in the future months.
  3. NO OVERDRAFT FEES! They are just dumb and if I’m following the budget I’ve laid out they should not occur. – PASS – I didn’t occur any in January.
  4. Clear out clutter (This may need to be more specific but I currently have no idea how to do that) This goal also includes using the 1 in 1 out rule thus not undoing my clutter progress each time new items come into my home. – PASS – I cleared out lots of things and used the 1 in 1 out rule!
  5. Continue going to Crossfit 3x/week – PASSish – Some weeks I get in 2 some weeks 4, but it averages to 3/week.
  6. Paleo 80/20 and eat down my non-Paleo food stores without replacement (except for the occasional treat of course 😉 ) – PASSish – I didn’t do Paleo, but I am eating down my stores without replacement.
  7. Loose weight and continue to tone-up – PASS – I don’t think I lost a monumental amount of weight but my clothes are still fitting better and better.
  8. Continue to NOT chew my fingernails (Yes I am a recently reformed fingernail biter) – PASS – What can I say, I didn’t bite them.
  9. More books, shoes and clothes out of my horde than new ones coming in, this kinda goes along with #3 but I need to be focused on these items especially as they are a big issue for me – PASS – 20 pairs of shoes gone, net reduction of 11 books, some clothes gone but I’m not done yet!
  10. Read 52 books in 2014, that averages to 1/week – PASS – I am currently on track for this goal.
  11. Find areas to scale back involvement so I have more free time at home – PASSish – I had more evenings at home in January than previously. I will continue to work on this goal.
  12. Spend more time with family, friends and my pets! – PASSish – See #11 above.

Debt Totals:

12/31/2013 – $137,669.04 (including mortgage)
$18,905.74 (w/o mortgage)

1/31/2014 – $137,522.71 (including mortgage)
$18,966.10 (w/o mortgage)

Difference – -$146.33 including mortgage
$60.36 increase w/o mortgage


12/31/2013 – $254.46
1/31/2014 – $391.05
Difference – $136.59 increase


Monthly Total
House Repairs
City Bill
Transportation – Gas
Car Repairs
Car Insurance
Clothes and Hair
Photo courtesy of: Chris Potter
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Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.

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