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September 2016 Budget and Debt Results

October 4, 2016

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September flew by in a blur, but I still managed to make some progress with my debt payoff and savings goals.I honestly have no idea what happened to September. Part of it was a blur as I was working extra so I could “take time off” for FinCon, then while I was at FinCon the days were long and the nights were short. As soon as I arrived back home, I was in a hurry to get caught back up before spending some time with my friends doing a DIY furniture project this past weekend.

I feel like I haven’t had much time to breathe and I’ve neglected my blog, which makes me sad. I’ve been putting client work first and while I do have a few exciting things in the works for my own blog and brand, it has been slow going as I can only work on them when I’m not work on client projects. I do have a couple of awesome assistants, but lots of times they are waiting on me so they can work on their next step for my ideas.

It’s honestly exhausting.

But, I still want to document my journey toward saving and paying off debt, so here’s my report for September.

Debt Totals:

8/31/2016 – $139,985.48 all debt
$28,121.58 without mortgage

9/30/2016 – $139,635.82 all debt
$27,997.30 without mortgage

Difference – -$349.66 all debt
-$124.28 without mortgage


8/31/2016 – $1,570.20
9/30/2016 – $1,596.15
Difference – $25.95 Increase


CategoryMonthly Total
City Bill$95.42
Gas Bill$8.36
Auto Insurance$98.59
Personal Trainer$170.00
Cash/Other Spending$662.91
Travel Savings$100.00

A few things to remember when looking at my spending:

I got a roommate and that lowered my mortgage payment and my two utility bills are actually only half of what I was actually billed for since we split those costs. I do pay 100% of the internet bill.

My phone bill looks crazy high because I had to pay the final charges to get out of my previous contract, which was about $400. I will be getting most of this back from my new cell phone company as a pre-paid debit card reimbursement in a month or two.

My fuel spending was actually higher than what is shown above because I bought some fuel on my credit card on my way home from the airport after FinCon. I also didn’t include any FinCon expenses in my report above because those are all business expenses that came from my business savings.

How did your September turn out?

September flew by in a blur, but I still managed to make some progress with my debt payoff and savings goals.

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5 responses to “September 2016 Budget and Debt Results

  1. Go Kayla! You have dropped down into the 27 thousands without your mortgage, that’s one digit closer to zero! That phone bill was scary, I’m glad you’ll get most back.

    Will you write us a post on FinCon?

    1. I thought about writing a post on FinCon, but I’m not sure how I feel about it, haha. Thanks! I’m excited that my number is getting lower all the time!

  2. Have you done a post on keeping tracking of your business savings and expenses separately? I feel like that would be super interesting and it’s probably important for anyone in case they get audited.

    I’m also a little curious about the outsourcing. Do you just not have enough time to do everything yourself or are there certain tasks that you feel other people do better than you? When did you first start using an assistant?

    Congrats on continuing to make progress….

    1. Hey TJ, I share all of my business expenses in my monthly online income reports. I outsource some of my freelance work because I already work like 50 hours/week (or more) and can’t get everything done myself, so I have assistants to help with the things that I can’t get done myself. I don’t outsource things that I don’t already know how to do. I feel that knowing how to do everything myself ensures that I can still do it if I had to at some point go without an assistant again.

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