October 2014 Month-End Recap

It was a hard month to accomplish my goals. Maybe because I became more laxer (am I using this word right?). Anyways, I feel like I am burnt out from this debt payment - or maybe because I had an 'unexpected' emergency this month that I feel like I am not going anywhere with this debt payment. It seems like this month is already shot - so on to the next!


Financial

Track daily spending PASS

•  I have been tracking my daily spending using an excel sheet which I think I might need to update. Just looking at different options online. Do you guys have any suggestions?

Do not use credit cards Fail

• I used my credit card to go on a little emotional shopping spree and some expenses at the vet - this brings the CC total to $220

TWO no spend days per week Fail

• There were a couple of weeks that I failed the two no spend days, but I was under the $200 budget. At the same time, I had a couple of weeks where I spent more than $200 and had two no spend days. I need to have a medium

Keep the weekly spending around $200/week Fail

• See above ^

Use cash for ONE week - budgeted $200 PASS

• I did not use 'cash' per se, but only used a pre-paid card

Pay $1200 to debt for the month of October PASS

• I was able to pay $2,809 because of the 3 pay period for the month of October. Below is how it was broken down to.

	3-Oct	17-Oct	31-Oct	Extra	TOTAL
Personal Loan	500.00	500.00		396.00	1,396.00
Student Loan	100.00	100.00	100.00		300.00
CC#1	100.00	100.00	100.00		300.00
CC#2	100.00	100.00	100.00	25.00	325.00
CC#3	100.00	100.00	188.00		388.00
Car Insurance		50.00	50.00		100.00
TOTAL	900.00	950.00	538.00	421.00	2,809.00

Put in $100 to the Christmas fund this month Fail

•  Its coming up and I know I have been thinking about putting something in here - but I still haven't done anything with budgeting for the holidays

Personal

• Work out at least 3 days every week  Fail
• I pretty much barely worked out this month. sigh!
• Read / Listen to a new book Pass
• I listened (bought the audio book) Pursuit of Perfect and read Flat out Love
• Learn to cook something new this month Pass
• We made this simple healthy recipe 

How did your October goals go? Were you able to PASS all of them?