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October 2017 Budget and Debt Results

November 6, 2017

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Whew! October was a busy month.

At the beginning of the month I went to NYC for a quick visit to see the sights. I also got to visit my friend Shannon’s business, The Financial Gym. Finally! I’d heard so many great things about it and I was so excited to finally see it in person.

Then after being home for a short two weeks, I headed out to Dallas, TX for FinCon17.

While I was there, I got to hang out with some old friends, and finally meet some new friends too.

Here’s one of my favorite pics from the trip with Chonce from My Debt Epiphany, and Kim from The Entrepremomer.

On Friday, I gave a presentation about freelancing, called: $0 to Full-Time in 12 Months by Diversifying Freelance Services

I streamed it live on my Facebook page (you can find it here!) and you can also get a copy of my presentation slides for free here!

I also sponsored a Plutus Award this year for Best Social Media, which was won by Talaat and Tai McNeely from His and Her Money.

Overall, it was a fun and very busy month!

Here’s a look at my budget and debt results for October.

Debt Totals:

9/30/2017 –$126,516.42 all debt
$17,630.48 without mortgage

10/31/2017 – $125,701.45 all debt
$17,048.95 without mortgage

Difference – -$814.97 all debt
-$581.53 without mortgage


9/30/2017 – $1,997.76
10/31/2017 – $2,005.66
Difference – $7.90 Increase


CategoryMonthly Total
City Bill$81.90
Gas Bill$12.96
Auto Insurance$77.80
Health Insurance$280.45
Personal Trainer$170.00
Cash/Other Spending$1,295.14
Health Savings$1,300.00
Travel Savings$0.00


Youch! An increase of $700 from last month. However, I did put $600 more in my savings funds than last month, which means I really only spent about $100 more.

My Cash/Other spending includes a few one-off things this month that were very expensive, like:

  • The bill finally showed up for my air conditioner getting fixed back in July.
  • I renewed my car tags and taxes.
  • A visit to the eye doctor and my annual contact purchase. I will get a rebate card back in the mail soon for part of it!

So, with those things considered, I suppose I did pretty well overall this month.

That said, I’ve got to get back into actually budgeting because my lifestyle inflation has been huge this past year.

Looking back to October 2016, my spending was about $1,000 less than it is now.

To help get my budget back on track, I’m using all of the tips I talked about in last week’s blog post.

Wish me luck!

How was your October? Are you trying to get your spending back on track?


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8 responses to “October 2017 Budget and Debt Results

  1. Those once-per-year expenses can add up–hate that! But holy great on getting all that extra into savings! Nearly $2k in financial improvements is amazing.

    I love that picture of you guys, too! I’m so glad we got to see each other in Texas. It was a crazy month, indeed–and I didn’t even throw in a NYC trip! So glad to see things are going well with Shannon, too.

    1. Thanks! It has taken me some time and hard work to get into better financial shape. Just about everyone can make improvements if they are willing to work hard too.

      I enjoyed seeing you too! And yes, it has been a crazy fall with all of the traveling. So many fun adventures!

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