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October 2015 Budget Plan

October 2, 2015


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@shoeaholicnomore's budget plan for October 2015! Come see my plans for this month on saving money and repaying debt.

Hey guys! I’m so excited that it’s October. This is seriously my favorite month of the year and this year the weather is actually cooperating and feeling like fall. It’s gotten pretty crisp and cool in the evenings and early mornings these last few days. Plus, I’m sitting here drinking the first hot chocolate of the season. Yum!

I also cannot wait to buy a couple of pumpkins for my front porch. My only hesitation is that I don’t want them to get rotten before Halloween has gotten here. Plus, I really love it when they last clear until Thanksgiving.

The new month also brings with it a new budget. The good thing about budgeting monthly is that every 30-ish days you get a chance to try again. No matter how the month before went, you always get a clean slate (kind of) at the beginning of the next month.

Well, enough about fall. Here’s my budget plan for October:

CategoryMonthly Total
Saving$20.00
Mortgage$852.13
City Bill$110.00
Gas Bill$15.99
Cable$24.63
Internet$49.95
Phone$103.32
Fuel$50.00
Auto Insurance$101.61
Cleaning$90.00
Cash Spending$160.00
Car Tags & Tax$379.76
Dentist$50.00
Debt$779.50
TOTAL$2,786.89
Business Income Required$2,790.00
Difference$3.11

I had a little budget creep compared to last month, again. This month I have to pay for my annual car tag and taxes with the state. Plus I also have to pay an outstanding bill at the dentist office that didn’t get billed out in September. I’m glad I still budgeted for it last month because I ended up having to pay a different doctor’s bill instead from a few months ago that they finally sent out to me.

The only reason my budget isn’t higher is because I’m going to be using a rebate card for some of my usual cash spending this month instead. I got a rebate card from the car repairs I had to pay for last month, and I can’t use it toward that bill so I decided to use it for groceries instead so it’s still helping my bottom line.

In the past I would have used that rebate foolishly, probably to buy a new purse or a pair of shoes I didn’t really need. Now I’m trying to put that rebate to use in my favor instead.

Hopefully this will be the last month with so many “extra” expenses for a while and I’ll be back down to budgets of $2,300-2,400/month beginning next month. At this point, I don’t see any reason why that couldn’t be the case.

How does your October budget look? Are you excited for fall? I am!

@shoeaholicnomore's budget plan for October 2015! Come see my plans for this month on saving money and repaying debt.

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12 responses to “October 2015 Budget Plan

  1. I find it interesting that you give yourself a cash budget. Interesting as in I’ve never seen it before, not in a critical way. I’ve been searching and following a lot of personal finance blogs and I usually see people budget every penny to necessity bills and debt payments. Which has been one reason why I haven’t developed a complete one yet. For me to actually budget every penny to a necessity and debt was unrealistic to me.

    1. I give myself cash to use for things like groceries, household supplies (paper towels, TP, etc.), my spending for going out to eat, getting my hair cut, etc. When I use my debit card or a credit card I have a hard time controlling my spending. Cash makes it easier because when it runs out I can’t spend anymore.

  2. Hi Kayla! I just discovered your blog. Thanks for sharing your budget plan like this — I have a feeling that mine is going to look pretty similar in a few months when I finish my graduate degree and have to start making student loan payments. Car-related bills are the worst, aren’t they? Especially annual fees. I’ve owned several cars in the past (I don’t currently own one because I live in Boston and am able to take public transportation), and I know it can add up. It looks like you have a great plan though. I love how you have your debt progress visually displayed too.
    Sarah 🙂

    1. Yes it is all in my cash spending. My cash spending is usually higher than what it is this month as I’m using a pre-paid rebate card for my grocery spending.

  3. Nice to hear that you are having a great time this October Kayla. Your car tags and tax seem to be higher than mine. Good luck Kayla! My October budget is almost similar to that in September. I just hope I can save as much as I did last month for the Christmas season.

  4. Woo, fall!! Yes, I’m super excited it’s October. Definitely my favorite time of the year. Last year we got grocery store gift cards for the holidays and I couldn’t have been more grateful. It’s so nice when you don’t have to worry about paying for a regular expense. Annual car expenses are the worst…I had to pay mine back in May, but when we got the newer car, the taxes were a little crazy and due last month!

    Good luck, I hope things go back to normal next month!

    1. That’s a great gift idea! I usually ask for something I need for my house, like a tool or something kind of expensive that I don’t want to buy but I do need.

  5. October is my fav month too! I’m worried about spending a little as I’m going to LA next week to visit my parents — they got me a flight to visit for my birthday, which is later in the month, but I still will be socializing with friends etc. And then I do plan to have a fun birthday as last year I was a complete lame-o on my 30th and I plan to rectify that. My goal is to keep spending in check, but more importantly keep up my debt numbers!

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