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September 2014 Results

October 1, 2014


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4930512365_38e8dacc68_zWell, September is finally over. While I’m so happy that I got my furniture loan paid off, the month as a whole did not go exactly as I had planned. But, that’s life I guess. 🙂 I’m just glad to have wiped out a debt and the next one is still on track to be paid off in November! Plus I have some fun things planned for October too.

Here are my September 2014 results:

2014 Goals:

  1. Increase EF savings account to $1,000 – FAIL – I’m hoping to get it back up to around $700 in October, but we’ll see what happens.
  2. Demolish $7,500 worth of debt – FAIL – My debt total did decrease, but only because of my mortgage payment. 🙁
  3. Clear out clutter. – PASSish – I haven’t really been decluttering like I was earlier in the year. I need to get going on this again.
  4. Continue going to Crossfit 3x/week – PASS – I made it 3x/week and sometimes 4x/week!
  5. More books, shoes and clothes out of my horde than new ones coming in. – PASSish – Still a net reduction of 13 books for the year.
  6. Find areas to scale back involvement so I have more free time at home – FAIL – If anything, I have less free time at home, but on the plus side some of my side hustles are now done from the comfort of my couch with my PJs (or yoga pants) on!
  7. Spend more time with family, friends and my pets! – PASS – Don’t ask me how I’m passing this goal (ok, it’s lack of sleep, but some very good times hanging out with friends on the weekends!)

Debt Totals:

8/31/2014 – $134,403.94 (including mortgage)
$17,309.91 (w/o mortgage)

9/30/2014 – $134,364.65 (including mortgage)
$17,481.83 (w/o mortgage)

Difference – -$39.29 including mortgage
$171.92 INCREASE w/o mortgage

Savings:

8/31/2014 – $727.48
9/30/2014 – $322.35
Difference – $405.13 DECREASE

Budget:

CategorySeptember (w/leftovers)SpentRemaining
TOTAL$2,585.97$2,552.01$33.96
Charity$20.00-$20.00
EF$20.00$20.00+-
Morgage$852.28$857.28-$5.00
House Repairs$46.27$46.27-
City Bill$125.00$134.53-$9.53
Gas$15.56$15.56-
Cable$94.49$94.49-
Internet$51.87$51.87-
Phone$102.76$102.76-
Food$140.66$173.07-$32.41
Car Fuel$60.00$60.00-
Car Repairs$49.31$49.31-
Car Insurance$93.44$96.26-$2.82
Clothes and Hair$43.30$39.18$4.12
Pets$49.06$31.26$17.80
Household$62.02$40.22$21.80
Personal$30.00$30.00-
Crossfit$80.00$80.00-
Cleaning$72.00-$72.00
Debt$577.95$629.95-$50.00

What are your September 2014 results looking like?

Photo courtesy of: Dennis Jarvis

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20 responses to “September 2014 Results

  1. September was up and down for us – some things went to play but other things didn’t go to plan at all! Here’s to October being more straight forward 🙂

  2. Is it bad that I can’t even remember what my September goals were? Haha – good thing I have a blog to look back on! I know I didn’t hit my debt repayment goal. I obviously don’t know about the others. Let’s hope October is better!

    1. I hope October is way better for me! I too am so glad I can look back on my blog to my goals and my progress. 🙂

    1. Well, at least you now know where you need to make some changes to your spending/budget. That’s better than a tough month with nothing learned. You’ll get there!

    1. Yes, if it goes down than it’s still a win overall (even if only a small win). Gotta count all the victories, big and small!

  3. Sounds like an overall positive month. I’ve also been working on decluttering, but it’s a work in progress since Eric hates to get rid of stuff. Somehow he has a sentimental attachment to all sorts of things that just look like clutter to me 😉

  4. I did ok in September, but there was a lot of life happening (as always) and the markets dropping (as sometimes is to be expected) so not quite as well as I’d have liked…you know what, it’s ok though. Debt’s going down, savings are going up, have to take it for what it’s worth.

    1. That’s exactly right! My total debt went down (thanks to my mortgage payment) and that is my goal. I’ll get there, it just takes time, hard work, and a little luck to have a few months without crazy unexpected expenses. 🙂

    1. Thanks Michelle! Hard to believe it’s been 1 year since I found the world of PF blogs… 🙂 So glad I did!

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