October Check-up & Another Question

by GettingFreedom on October 30, 2008

Well, it’s check-up time. I’m still floored that October is nearly over. Although it has been a bit chilly here, we started to warm up a bit this week…..and it just doesn’t seem right that November is just a few days away, and October will be nothing more than a memory.

It’ll be January before we know it.

October’s Goals:

  • Keep throwing any and all extra money at the truck debt. We paid a little extra on the truck this month. To the tune of $200. Not as much as I would have liked to, but it is better than nothing.
  • Keep the grocery budget set at $300. Did so with success. Managed to come in under budget! Yippee.
  • And, I really want to get over my fear of selling on Ebay. Uh…Negative. Hi, I’m Phoebe, and I’m a procrastinator.

With that being said…here is my list for November:

  • Continue to throw money at the truck. Every penny counts…so any and all extra income that comes in (if it exists) needs to go here. If there is leftover money from month to month…throw it at the truck! This one is hard for me, because the truck is the only bill I have that cannot be paid online! So, when I get “extra” money, I feel I have to wait to mail it all in at once instead of a random payment here, and there. I’m not patient.
  • Continue the grocery budget at $300. Hopefully we can go for lower than that.
  • Ahem…try ebay. I had good intentions, but I procrastinate. I continually procrastinated getting the flat rate box, and before I knew it it was the end of the month. Then, I realized I procrastinated making Halloween costumes. Yeah, not a fan of Halloween much….but the kids have a big party at school. I couldn’t let them not dress up. So…here I sit a day before Halloween frantically finishing costumes. Ebay can wait a couple more days.
  • Get meaner/tighter on the envelope system. This is one of the things that Dave Ramsey is big on. Envelopes for budget. It worked great for us while we were in FPU, and while we still follow it loosely…I notice areas where we can improve. We’ll see if there is any progress here, because the main culprit, is my husband!

I don’t know about everyone else…but I was so excited the other day when we went to go get gas! $1.99 BABY!!!!!!! I think that it has even went lower than that since. I told my husband we needed to frame the receipt!

So, I was curious what everyone else was thinking here. Since it is costing us considerably less to fill up, are you leaving your budget the same, or are you lowering it? I’m thinking/waiting for it to go right back where it came from, so I am reluctant to lower it.

Also, in these tough times, do you find yourself cutting back in certain areas? Or are you spending the same as you were a few months ago?

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