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October 2014 Budget Plans

September 29, 2014


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6301479145_abec0b67cd_zSeptember has been a tougher month than I was expecting for sure, with a car repair, a new computer, a new internet router, and new workout shoes. Luckily, I still managed to pay off my furniture loan and avoid the 0% interest trap at the end of the promo period. I did have to dip into my EF for the car repair, but I’m hoping to get it back up to the $725 it was at prior to the car repair by depositing most of my October online income into it.

I have a few fun things planned for October, including a trip to visit my BFF for her birthday and attending a college football game while I’m there. I got free tickets in a drawing at work and it just happened to be for the weekend I was planning on going down there anyway! Because I have this fun weekend planned, I did change my budget around a little bit, but don’t worry these inflated spending figures won’t last long, it’ll be back to the grinding stone (or however that saying goes) come November.

Here’s my budget plan for October:

CategoryMonthly Total
DIFFERENCE-$1.53
Charity$10.00
EF$20.00
Morgage$852.28
House Repairs$15.00
City Bill$110.00
Gas$15.56
Cable$78.19
Internet$51.87
Phone$102.76
Food$120.00
Medical$20.00
Car Fuel$100.00
Car Repairs$15.00
Car Insurance$96.26
Clothes and Hair$35.00
Pets$35.00
Household$20.00
Personal$50.00
Crossfit$80.00
Cleaning$90.00
Debt$513.07
TOTAL$2,429.99
INCOME$2,428.46

Like I said, I raised some of my spending categories, like gas and personal money, to account for my trip to see my BFF. There’s also a new category, medical, in which I’ll be putting $20/month to cover my RX, allergy medicines, and any doctors appointments I might have periodically. Prior to creating this category, I was paying for my RX out of my grocery budget, which wasn’t exactly accurate since I said that budget was for “food only!”

I’m looking forward to this fun month, but also to November when I’ll hopefully get CC#4 paid off for good!

Do you have any plans for October?

Photo courtesy of: Beckwithasmile

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16 responses to “October 2014 Budget Plans

  1. Congrats on paying off your furniture loan and avoiding the 0% interest trap! We’re halfway there with ours…

    What a fun weekend you have planned – enjoy!

    1. Thanks! I use a plugin called “table press”. It is time consuming to set up the first table, but after that you can just create copies of it, rename them and change the numbers (if your categories stay the same, it’ll save a lot of time by copying).

  2. Good stuff! Enjoy you’re weekend away! You’ve worked hard, Kayla and I’m sure could use a break. Okay, maybe I’m being a numbers weenie, but having a total debt figure on your sidebar would be helpful for followers, to see total progress to date. Your blog, though. 😉

  3. Nice job. And congrats on having a written budget. [Is it nuts that I love budgeting? ] Somehow writing it down helps with the committment. Kind of like keep a food log helps with weight loss — though I’m really bad at that. 😉

  4. Have fun at the game! Awesome job on your September goals – especially paying off the loan. We will be traveling to visit a friend next month so I upped up my travel budget for the month. Plus, funding the Christmas savings account! Wish me luck =)

    1. Good luck! I am behind on my 52 weeks of savings challenge though–that’s what I was going to use for Christmas money… Now I’m not sure what I’m going to do instead. But, I’ll def let everyone know once I figure it out!

  5. Congrats on paying off your furniture loan, Kayla! And it’s fantastic that you have another debt payoff looming on the horizon. You’re doing great! Your handling your budget very well too. Some people get too rigid with their budgets, but that’s not how real life works. You have to flexible and move things around to fit your needs, which can change month to month.

    1. Thanks Shannon! I try to be realistic when I know that I have extra fun things planned for different months, that way I won’t beat myself up later if/when I go over my strict budget. Moving things around from month to month really helps me feel better about my situation and keeps me from going way off track!

  6. That is awesome you won free tickets to the game for the weekend you were going away! It was meant to be. =) I think it’s a good idea to have the separate medical category. You don’t need anything taking away from spending on food.

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