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September spending and busy birthday!

October 1st, 2015 at 09:02 pm

Yesterday (September 30th) was my birthday. I am definitely no longer 40-something, so I should probably update my sidebar. I am swamped at work these days, and I expected my Wednesday birthday to be quite uneventful, but it wasn't! Various friends and colleagues stopped by my office with cupcakes, cookies and cards. A young colleague cut out paper letters spelling "Yay Birthday" and taped them on yarn across my door (so sweet!). I got phone calls and texts and lots of FB greetings. My mom sent a card with a $300 check (thanks Mom!). And, a friend and her 7-year-old daughter stopped by after work with a homemade card, a big pumpkin from their garden, and some chili, so with my work cupcakes, we had an impromptu birthday party. I had hosted my knitting group the night before and some wine and bread was left behind, so we added those items to the mix. I met two friends today for lunch, so the celebration continued.

My birthday is always bittersweet because I shared it with my dad who has now been gone for 15 years. Yikes. I also shared the day with an aunt (my dad's sister-in-law) and she passed away last September. Strangely enough they both died of the same disease.

I'm planning some very big work events that will happen on October 8 & 9 and then things should slow down at least a bit. I can't wait until October 10 - it truly can't arrive soon enough. So many details and problems and politics - I am maxed out.

One positive of working so much is that I had another low-spend month. I am still using YNAB and am grateful for the peace of mind that it is providing for me. I'm still in the very beginning stages of learning how to manage my money, but I like knowing what I have and where it's going. My goal is to be more proactive in my spending choices, making decisions that enhance my life rather than unconsciously frittering away money.

Below is my spending for September. I'm so excited that this is my second month of tracking. That is a big deal for me! I hope I can remain focused during future months; I tend to lose interest in things pretty quickly or just plain forget about them!

I had $731.50 left over in September and $614.02 left from August. I took that combined $1345.52 and put it towards my property taxes ($1895.25), which were due today. The remaining $549.73 will come from my October 2 paycheck, which will hit my bank account momentarily. So, because I have an extra pay period in October, I was able to cash flow my property taxes! I was originally going to use a refund check that's been floating around my desk to cover the missing $549.73, but now I will put that check (1072.95) towards my roof repair instead, which desperately needs to be done. Just looked at my bank account and $1015.95 will be deposited tomorrow, so $466.22 will remain after the property tax check clears. Since it's an extra pay check, I'm going to put that money in the roof fund, too. My other two October paychecks will be used for my November budget according to the YNAB philosophy.

September spending

monthly expenses
landline/DSL/wireless 87.97
cell phone 11.57
skype 2.99
electricity 39.80
insurance - car & home 115.77
hair appt 150

everyday expenses
healthy food 79.59
junk food 4.02
gas 66.09
medical 60
entertainment 33
eating out 0.00
toiletries 0.00
trash 2.50
clothing 0.00
laundry 5.75
cat 0.00
lawn care 20
gifts 10
vacation/travel 54.90
misc 60 (purchased YNAB!)

debt
bathroom reno debt 500

TOTAL SPENT $1303.95
September $$ available 2035.45
September $$ left 731.50 (put towards property taxes)

I doubt that future months will be as low spend as August and September were, but we'll see.

In other big news, I found a dime on the street today! Can't help but think of fellow SA bloggers, especially CB, when I find money.

Ugh, another mass shooting followed by the same tired arguments about how guns don't kill, people do. Seems like people with guns kill people, especially a lot at once. Horrifying.

6 Responses to “September spending and busy birthday!”

  1. snafu Says:

    Belated birthday greetings, I hope you carry celebration over the weekend. I very much appreciate being able to explore YNAB through your experience. Good on you, you're doing wonderfully in spite of being heavily involved in work tasks.

    It never occurred to me to break out spending on treats or junk food since it's from the grocery store and thought of part of food spends. I'll start this for October having now noted how much junk/snack stuff was bought last month. Many of us have relinquished land phones using cell only. Does it form internet service? Is there another, less costly option?

  2. Ima saver Says:

    Happy Birthday!!

  3. starfishy Says:

    Thanks Ima!! Snafu, yes, my landline is needed for my DSL service. I use my cellphone and skype for all my calls. I could probably get cable internet at this point (i live in a very rural area, but i think we now have cable access), but my internet is from a local company with very reliable service and wonderful customer service. i don't want to deal with comcast or the other larger, but possibly cheaper, companies at this point.

  4. FrugalTexan75 Says:

    Happy birthday!

  5. Buendia Says:

    Happy birthday! We are almost the same age - I turn 49 in a month... I think you did a great job on September spending. Hope you had a great Birthday!!!

  6. starfishy Says:

    Thanks FT75! And, thanks Buendia - 49 seems so young now that i'm 51. Smile

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