June 29 – July 26
I have come to the conclusion that my life during debt repayment is Boring! I know we still partake in activities. But they are far and few in between now and methodically thought out (like our annual summer festival and a concert in Fall). Other than that, most of the fun consists of cleaning house, maintaining my house plants, cooking up new meals, taking walks around the neighborhood, reading books, wasting time on the Internet and playing video games. Being a homebody. Not much to write about there.
However, I am trying to hike more again. So it’s likely you will see tidbits of that. Like the one below. Got a couple girlfriends together and tried out this new-to-us 7-mile trail in the mountains.
I stayed fueled with nuts & dried cranberries, a PB&J, and lots of water. Next time I will start freezing coconut water (electrolyte) and add that to my H2O bladder when my fave margarita chews are not available.
It has been a while since I’ve hiked. So it took some effort. But was great we pushed through and made it to the end and back! Of course it helped knowing that beer & pizza were going to consumed when we finished. I seriously need to put more time into hiking again.
|Mortgage/Rent||$1,722||rent + utility share|
|Food & Dining (All)||$407.36||when the norm of food + household = $600. did okay this month keeping it down. (pat on back)|
|Auto Service & Parts||$27.24||windshield wipers in the summer. of course the rain stopped after I put on the new wiper blades. but I was due for new ones anyway.|
|Electronic & Software||$4.22||once a very expensive video game.|
|Cash & ATM||$103.00||planned. annual entertainment event spending.|
|Entertainment||$18.00||Infrequent trip to the movies. Baby Driver. Meh.|
Not shown: sinking fund expenses like DMV, education payments and excursion payments. I put away a set amount per month in a separate account to cover annual expenses like auto insurance, education, etc…. Then those funds get transferred into my regular checking acct when payment is due. That is why you see travel in the graph but not in the table.
Movies: we heard how this was such a good movie. Then I saw a clip where Jamie Foxx was talking how the shots fired went with the music. So it put a different spin on the movie. And I love Kevin Spacey. But overall, I could have really waited for this movie to hit the Net.
Internet: still too high per month in exchange for what I get, but I don’t have other choices in my area.
Utilities: I am afraid for the next bill. I have tried to keep the AC use down, but I don’t think it is going to well.
Household Supplies: this is always my problem area. One of these days maybe I will get it under control. But we use everything up that we buy there. So that is a good thing.
Cost saving initiatives:
- Made limeade: 1 : 1/2 parts lime to sugar. I like less sugar than that, but that is the norm ratio. Anyway, microwave juice + sugar so all the sugar is dissolved in (my Southern friend taught me to cook in the sugar. The result is delicious doing it this way). Then add to pitcher. Fill rest of the way with water.
- I took those rinds and chopped them up tiny, stuck them in the freezer and use them a freshener for the garbage disposal. I know they say not to use rinds in the garbage disposal, but I’ve done it for year. So do it at your own risk.
- I have been bringing meals to work more often again, keeping the work meal costs under control.
Achievement is my get fit side hustle. You earn $10 for every 10,000 points earned in walking, tracking meals (link MFP), etc… It will take a while to earn $10, but it is working with keeping me accountable in tracking my meals and increasing my steps. I really would like to keep up the walking exercise (especially after my depressing cholesterol results).
PS – if you sign up, I earn points, you earn points for joining, we all (you and me) earn points!
Starting Auto Loan Debt: $5,673.56
Ending Auto Loan Debt: $4,572.61
Regular payment $334.
Total towards car this month: $ 1,109
I love being able to snowball as much. When I started becoming interested in PF a few years ago, I was strapped to my paycheck. So to be able to snowball as much due to increase in salary and reducing my expenses is proof things can get better.
And I am soooo close to paying it off!
Starting Total Debt: $68,559.00
Ending Total Debt: $67,110.57
Every so slowly it trends down…
Murphy hit. Dental work. the next couple efforts in snowballing will be to pay down the bill and zero it out. I would have used my EF, but of course, I used it last month with the auto tire emergency.
Summers are sticky magnets for increased expenses. Unfortunately, that makes for unexciting monthly updates when I cannot snowball. In reality I should save up another $1K after I pay off the bill. But my annual expense account is kind of my buffer if I really need it.
I am just happy that I am not accruing anymore debt beyond my means (i.e., making the graph go up). I attribute you this to finally making the choice to do things right, great effort, and a bit of luck.
In August, I also want to get back on the bandwagon with meal prep. It tastes a whole lot better, it great for saving money and I don’t end up with the stress of what to eat. I am thinking dal & brown rice and beans and veggies. Side of fruit – whatever the store has in season.
Not sure if I am going to keep doing the grocery budget posts. While I love the food voyeurism both ways, it’s a lot of effort to produce when all I want to do is put the groceries away and be done. Or all I want to do is snack, put away and be done… ;)
We didn’t grocery shop for week 4. It was a bit of eat at home, grab cheap fast food, and be fed by others (like all you can eat Japanese buffet paid for not-by-me). Our pickings at home are scarce (according to the child). I need to go food shopping!
But am thinking about starting an at home side hustle. Might as well see if my homebody keep-costs-low efforts can make me some money. Time to whip out my sewing machine. So that may take part in my posts.
And I will post the food prep if it happens. What do you food prep?