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January 2018 Money and Life Update

February 12, 2018

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Well, the first month of 2018 is officially over…. by a few days….

Ok, I’m behind in getting this posted. 🙁 Sorry!

Even though my word for 2018 is “simplify”, it’s been a crazy few weeks.

First, everyone was sick over the New Year holiday. Next, my basement flooded due to a clogged pipe.

Then, I don’t even know.


I really have been trying to simplify. Even though it doesn’t feel like it, I do think I’ve made progress.

But, the real reason why you’re probably here is to see my numbers. So, here they are!

Debt Totals:

12/31/2017 – $124,480.51 all debt
$16,296.79 without mortgage

1/31/2018 – $123,947.08 all debt
$15,998.70 without mortgage

Difference – -$533.43 all debt
-$298.09 without mortgage


12/31/2017 – $2,036.97
1/31/2018 – $2,154.35
Difference – $117.38 Increase


CategoryMonthly Total
City Bill$70.57
Gas Bill$25.20
Auto Insurance$77.80
Health Insurance$306.70
Personal Trainer$170.00
Cash/Other Spending$1,022.17
Travel Savings$100.00


I already spelled out a few of my thoughts at the top of this post.

But, part of my simplifying is getting rid of physical clutter. I’ve been reaping the financial benefit of selling most of it.

Along with that, I’ve also been trying to simplify the number of things on my calendar and to-do list. So, I’ve set a rule not to take on any new clients for 2018 unless they are a replacement for a current client. In fact, I’ve actually cut three clients in January.

I know, I know. I’m so wishy-washy sometimes. After a mild panic attack in November about lower income after quitting my biggest client in October, I decided to take on 2 new clients. Now, just a few months later, I’ve quit 3 clients.

I’m also working super hard on boundaries, including saying no to work and personal things that I don’t really want to do. So, there’s that.

Part of the short business update is because I decided I’m not going to do my monthly income reports anymore.

If you miss those, make sure you sign up to get exclusive info about my business income and expenses. The only place I’ll be sharing those now is with my email list!

Also, included in my cash and other spending are a few one-offs, like a bill from the dentist for my twice yearly cleaning, and a trip to see my friend Allea in Nebraska.

You might also notice that I decided to start saving for my emergency fund and my travel fund again. Plus, my debt payments have dropped to an all-time low of only $340/month outside of my mortgage.

However, I will be ramping those up again as I work to pay off my student loan in the next few months. I’m hoping to have it paid off by the end of summer.

How was your January?


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2 responses to “January 2018 Money and Life Update

  1. Thanks for sharing this post! Whenever you feel overwhelmed, take life one moment at a time. That’s a way I try to simplify when I have commitments I can’t get out of. Stay the course and you’ll see more positive changes soon.

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