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March 2014 Results

April 1, 2014


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5020840511_013bf66db9_zMarch really flew by. I’m really glad it’s finally spring-like here (most of the time)! Here is my review of March:

2014 Goals:

  1. Increase EF savings account to $1,000 – PASSish – I increased savings more than I budgeted, but this was the lowest savings month I’ve had so far this year. On a positive note: my EF is just over 60% funded now!
  2. Demolish $10,000 worth of debt – FAIL – I didn’t pay enough in January, February or March to be on track for this goal. I’m thinking about revising it. On a more positive note: I did pay off CC#3! This is not shown in the side bars yet as I won’t update it until the statement showing $0 comes in April. AND I’m under the $18k mark for consumer & student debt!! I think I will be revising this goal to $7,500.
  3. NO OVERDRAFT FEES! – PASS – I didn’t have any.
  4. Clear out clutter. – PASS – I only got rid of a few things in March, but at least I didn’t bring in a bunch of new stuff.
  5. Continue going to Crossfit 3x/week – PASS – I made good use of my membership this month.
  6. Paleo 80/20 and eat down my non-Paleo food stores without replacement – PASSish – I didn’t do Paleo, but I’m not making many replacements for what I eat out of my pantry.
  7. Loose weight and continue to tone-up – PASSish? – Again, I don’t think I lost anything this month, but I didn’t gain either.
  8. Continue to NOT chew my fingernails – PASS – I’m cured!
  9. More books, shoes and clothes out of my horde than new ones coming in. – PASS – Still a net reduction of 13 books for the year, and a few more clothes gone. I also used the 1 in 1 out rule for a new pair of capris I bought.
  10. Read 52 books in 2014, that averages to 1/week – PASSish – I am still one book behind.
  11. Find areas to scale back involvement so I have more free time at home – FAIL – I’m still trying to figure out where to cut back on my schedule.
  12. Spend more time with family, friends and my pets! – FAIL – See #11 above.

Debt Totals:

2/28/2014 – $136,815.96 (including mortgage)
$18,466.60 (w/o mortgage)

3/31/2014 – $136,141.42 (including mortgage)
$17,999.87 (w/o mortgage)–WAHOO! Under $18K! 🙂

Difference – -$675.54 including mortgage
-$446.73 w/o mortgage

Savings:

2/28/2014 – $556.93
3/31/2014 – $600.72
Difference – $43.79 increase

Budget:

Category
March (w/leftovers)
Spent
Remaining
Charity
$20.00
$5.00
$15.00
EF
$20.00
$20.00+
Mortgage
$754.65
$754.65
House Repairs
$55.00
$3.23
$51.77
City Bill
$110.00
$99.29
$10.71
Gas
$82.62
$82.62
Cable
$155.76
$139.15
$16.61
Internet
$51.87
$51.87
Phone
$102.20
$102.20
Food
$143.20
$112.15
$13.53
Car Fuel
$65.00
$45.00
$20.00
Car Repairs
$30.00
$30.00
Car Insurance
$93.44
$93.44
Clothes and Hair
$46.42
$40.00
$6.42
Pets
$55.00
$44.53
$10.47
Household
$38.00
$28.00
$10.00
Personal
$20.00
$20.00
Crossfit
$80.00
$80.00
Cleaning
$144.00
$72.00
$36.00
Debt
$688.99
$688.99+
TOTAL
$2,720.15
$2,499.64
$220.51

Photo courtesy of: Swen-Peter Ekkebus

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13 responses to “March 2014 Results

  1. Hi Shoe!,

    I found your blog from Girl Meets Debt and I have to stay good work and congrats on taking control of your debt. I look forward to reading your posts 🙂

    Jen

    1. The surplus is from two things: transactions that haven’t gone through my account yet and the rest is cash in my cash envelopes. I like to have a little extra in those cash categories to rollover for months when bigger purchases are needed. IE: bigger meat purchases for food, car repairs, etc

  2. Nice job on getting under $18k! That’s awesome. I’ve been trying to eat Paleo as well, and it’s so difficult to give up certain things. I just read “It Starts With Food,” which talks about how addicting junk food can be. I really want to try it when we move. I plan on taking advantage of cleaning out our food stores when we move and not replenishing the unhealthy stuff.

  3. Congrats on getting under 18k! Each 1k really is a milestone! Now that I’m going to at a more sedentary job, it really is going to be more important that I exercise everyday! Crossfit definitely is intense so good for you!

    1. It sure felt like a milestone to get under $18k. Having a sedentary job is difficult, but I really like Crossfit for its intensity and how short the classes are. I don’t have time to go to the gym for hours each day so I like that I’m in and out, warm up and cool down included, in about 1 hour. It’s not for every one but it’s great for me!

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