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September 2015 Budget Plan

September 2, 2015

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One of my first months as a full-time self-employed entrepreneur! Check out my September budget plan via @shoeaholicnomoreYay September! I’m super excited that it’s September already as, in my mind, it marks the beginning of Fall, which is my favorite season.

I started my fall capsule wardrobe one day early on August 31 because I just couldn’t wait any longer and it’s been fun to wear real clothes, but still be dressed much more casually then when I worked in an office.

Last night I also decorated my house for Fall by putting out my door wreath, pumpkins on the mantel in my living room, and putting out my Fall floral centerpiece in the dining room.

Here are someย pictures:

IMG_20150901_204831892 IMG_20150901_204838846

 

IMG_20150901_204933093

I’m also really looking forward to FinCon which I leave for in exactly 2 weeks!! I hope it lives up to my high expectations, because I can’t wait to meet everyone, do some networking for my business, learn a lot, and have fun too!

The only bad thing about September is my huge budget for the month. I have several things going on that only happen once/year and since I’ve never saved up for them throughout the year I now have to compensate for them in this month’s budget. Whomp, whomp! This also means that my first month of relying entirely on my freelancing income is going to be a tough one!

Here is my September budget plan:

CategoryMonthly Total
Saving$20.00
Mortgage$852.13
City Bill$115.81
Gas Bill$15.99
Cable$24.63
Internet$51.93
Phone$103.32
Fuel$50.00
Auto Insurance$101.61
Cleaning$90.00
Cash Spending$220.00
Dentist and Eye Doctor$300.00
Debt$779.50
TOTAL$2,724.92
Business Income Required$2,725.00
Difference$0.08

Yikes! That’s a big budget. Last month was the largest budget I ever put together, until this month. ๐Ÿ™

At least with my self-employment debt plan, I can always cut out my extra payments (from my snowball), which would reduce my monthly budget requirement by about $270.00.

How does your September budget look? Are you excited for fall?

One of my first months as a full-time self-employed entrepreneur! Check out my September budget plan via @shoeaholicnomore

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23 responses to “September 2015 Budget Plan

  1. I love fall, but I don’t wish away a single minute of summer! I also have a bit of a love-hate relationship with the fall, since I despise winter, which fall ushers in… Your decorations look great, but I have a strict rule for our house: no mums, pumpkins, or any other fall decor until 9/15 at the earliest! ๐Ÿ™‚

    1. Yeah I do it like this – Fall is Sept, Oct, Nov. Winter is Dec, Jan, Feb. Spring is March, April, May. Summer is June, July, August. It goes pretty well with our weather that way too (for the most part).

  2. I’m so excited for fall! I’m also really jealous of your teeny cable bill. I swear, Mr. P’s undying loyalty to Comcast is going to drive me to drink ๐Ÿ™‚ One day it’ll be gone, one day. My grocery budget goal is $200 for the two of us this month – it’ll be a challenge, but I did my shopping for the week yesterday and clocked in at $51. So here’s hoping! Have a blast at FinCon.

  3. Fall is my favorite season. It is thankfully much more comfortable temperature this week too. Last week was pretty hot! ๐Ÿ™‚ Sadly, I’m not able to attend FinCon, but I know you’ll have a wonderful trip and I can’t wait to hear about everything you learned.

  4. I love your fall decorations! Fall is my favorite time of year. My September budget is going to be ridiculously tight as well. I foresee myself eating a lot of granola bars and bananas to make FinCon more affordable.

    1. haha, I hope you don’t have to live off of just granola bars and bananas. ๐Ÿ™ I guess that’s better than top Ramen though ๐Ÿ™‚

  5. September is awesome, we recently moved from CA to Utah, and the weather is just gorgeous right now. As an investor, August has been… interesting to say the least ๐Ÿ™‚ So welcome September! You say this is a big budget, but it’s not bad at all: $50 for gas ! wow! where do you get your gas ? ๐Ÿ˜‰
    Working for a company, from home, I’m allowed to expense my internet bill, my cell phone bill and use a portion of my rent as tax deduction, all year around. That helps. My budget for september will also be bigger though, since my wife and I are taking a trip to Italy. I’ll use air miles for the flights and hotel points, but still, I know that Europe is expensive. Thanks.

    1. It’s big mostly because of my dentist and eye doctor appointments. My gas is only at $50 because I work from home now so I don’t drive much. Plus since my town is so small – population 5,000-ish – everything is within about a 5 minute drive, so doesn’t use much gas even when I do drive somewhere.

  6. Good luck! I hope you can make it work this month.
    Just a quick question, and I realize it might be too soon in your self-employment to do this, but do you plan to eventually budget on your last month’s income? That would really take some of the pressure off as you’ll be able to know you have this much money and plan accordingly, rather than saying that you need to make this much money to cover the expenses… Does that make sense?

    1. It does make sense and I would love to reach that point. Right now (unless something changes) I won’t be able to save up a whole month’s income for a while. Maybe I can use “extra” tax money for that when tax time rolls around again in early 2016. Until then – nose to the grindstone!

  7. Great job on the budget. 8 cents is a rounding error of a difference and is easy to fix. I would tell you to focus on increasing the income if your budget is looking titer more than slowing down your snowball effect that you are using to pay off your debt.

    1. I agree that raising my income is definitely the preferred course of action instead of lowering my debt payment, but the lowering of the payment is something I can do right away where the increasing income might take more time to implement.

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