Well, November has come and gone. I can’t believe we’re finally into the last month of 2017. Where has this year gone?
It’s been a year full of ups and downs, and I’m hoping to end the year on a positive note with a good December all around with my business, money, and life.
But first, here’s a look back at November.
10/31/2017 –$125,701.45 all debt
$17,048.95 without mortgage
11/30/2017 – $124,990.28 all debt
$16,571.85 without mortgage
Difference – -$711.17 all debt
-$477.10 without mortgage
10/31/2017 – $2,005.66
11/30/2017 – $2,015.34
Difference – $9.68 Increase
It’s nice to see a lower number this month, but quite a bit of that is because I put less toward debt and savings in November, which isn’t necessarily a good thing. Part of it is because my income has gone down due to some business changes I made mid-October that really started having their full effect on my income in November. (I’ll share more about that soon!)
Some of my spending this month was getting a couple of Christmas presents for my family. I also got my home sprayed for pests because I have a serious wasp problem in the fall if I don’t get it professionally sprayed.
On a happy note, I paid off my loan from my parents in November. Now that it is paid off, my only remaining debts are my student loan, car loan, and mortgage. I’m so excited to be down to only those three payments each month.
My focus will be on my student loan next as it’s the lowest balance and highest interest rate. I’m hoping to have it paid off by the middle of next year.
As far as my health savings, I still have a couple hundred dollars I need to contribute to it to hit my goal of $10,000. However, I’ve actually had the majority of my health procedure done already and I plan to talk about it on my Facebook page in a live video later this week. Make sure you’re following me on Facebook so you get that update! 🙂
Update: You can see my video here.
Since I’ll no longer have that aggressive savings goal to meet, I should have some more room to put money toward my debt in 2018, but it also depends on what happens with my income. That’s a bit up in the air because it can be so variable when you’re self-employed.
How was your November? Are you going to hit your goals for 2017?