September 7 – October 4th
A girl from a group I belong to sent a shout-out that she needed friends to help her fill a group campsite in the Eastern Sierras during the holiday weekend. Five hiking friends went to the rescue. We all didn’t know each other, but it was a blast!
In the three days and two locations I completed 15-miles. I didn’t make it as far as I would have liked, but I was still proud of myself considering I was not conditioned for this (but determined).
So I was going to head up the following weekend to conquer what I did not but it snowed major!
(different lake, same area)
Camping was $8 for the 3 days + gas + PB jelly sandwiches and 1 breakfast burrito.
Regular living expenses we were out of budget $243.56 for the month of September. This was due to a celebratory dinner and paying an old FSA claim that was denied.
The emotional trip booking set us back $490.60 in non-refundable deposits. And it was money that could have helped us pay debt down.
The overspending total amount will be subtracted from October’s budget and the budgeted categories adjusted with zero sum. Going to be a tight October.
Debt was accrued by way of more dental bills. Described below. Grrr.
|Food & Dining||$705.79||Bit higher due to camping trip & celebratory dinner|
|Auto Gas||$166.02||Bit higher due to camping/road trip|
|Electronic & Software||$1.99|
|Travel||$490.60||non-refundable deposits for a Salem vacation (I didn’t take)|
|Movies & DVD||$26.97|
|Cash & ATM||$20.00|
|Dental/Health Bill||$184.06||*FSA payback + bill|
Not shown: annual expenses like the auto insurance. I put away a set amount per month in a separate account to cover annual expenses. Then those funds get transferred into my regular checking acct when payment is due.
Travel: fortunately I was able to gift $80 event tickets to a friend. I am glad they were able to be used. Because of the holiday booking, 1-night’s stay was deemed a non-refundable deposit.
Starting Auto Loan Debt: $3,999.84
Ending Auto Loan Debt: $3673.00
Regular payment $333.26
Total towards car this month: $333.26
This is just not going to get paid off in November as I had hoped (due to the new dental bill(s)). The budget for the next few months were adjusted (especially with the SL payments starting) and the car paid off when I can.
Starting Total Debt: $68,177.20
Ending Total Debt: $69,365.00
Wrong way! For the 2nd consecutive month. I am very dismayed with the new dental debt. I could have and should have waited for the last bit of work to be done until the funds were available again from my FSA. I am so mad at myself.
But as I see it the dentist is like a medical doctor. If they say it needs to be done, then it needs to be done. Now I have come to the conclusion that dentists are in between being necessary and major salepersons. Final outcome: my teeth look great!
From now on I should have no more problems for years. Just get the normal cleaning as scheduled.
Dental debt accrued from last month and this month: tune of $3,141 @ 0% APR (Dec & Oct due dates). Grrrr.
(karma for even thinking about taking a transcontinental vacation?)
October will be about putting along trying to stay in budget. Will be challenging as it will be a tight month due to subtracting the overspending from the income available.
I admit I am a bit bummed out with the additional dental debt. The other debt I came to terms with it. Lesson learned.
I will keep trying. Maybe add small self-challenges to keep up the determination. Maybe find a side hustle.
Three things I need to do:
- Stop accruing new debt,
- Make more money, and/or
- Reduce expenses
One day the scale shall tip in my favor. Any frugal challenges you are working on this month?