Hey guys! I should have posted this yesterday but I was busy celebrating my bestie’s 36th birthday! Happy Birthday Becca!! And honestly by the time I got home I was stuffed with too much food to do much more than watch some TV and get some sleep.
But today is a big day - this is the twelfth monthly progress report! Also, we’re right in the middle of our first Nor’Easter of the year. So far it’s been all ice but it should be turning into snow tonight and sticking around for a while. Total accumulation is expected to be about 12 inches... so maybe 12 is a theme for me today?
I’ll admit, over the last twelve months, things haven’t gone exactly as I expected, not that I thought I would be debt free by now or anything, but there have been hiccups and unnecessary purchases that have kept me from doing as well as maybe I could have.
But hey, life happens. This was never about not being able to spend any money or splurge on anything; it was about making myself more aware and smarter about how I spend money and actively trying to get myself to pay down debt. I may not be where I thought I would be but I’m definitely on my way.
In case you missed it, here’s last month’s progress report.
Now without further ado (I’ve always wanted to say that but there never seemed to be a good time, until now!) here’s November’s stats.
As always, let’s start off with my debt:
Mortgage: $147,600
Car Loan: $6,900
Student Loans: $6,550
Credit Cards: $3,100 (ok, a little high but it’s due to the holidays and totally expected for me this time of year)
Grand Total of Debt: $164,150
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| My student loan balances |
That’s only $250 lower than last month but, again, totally expected with my credit cards. But I’m doing much better than I was last year at this point. I had a wild Black Friday last year but this year I limited my spending to under $200, finished up my last bit of Christmas shopping and came away with a few new pairs of work pants.
Does anyone else use Black Friday as an opportunity to shop for themselves? No, just me?
Does anyone else use Black Friday as an opportunity to shop for themselves? No, just me?
On to my renovation fund (I still haven’t nailed down the exact number but I’m pretty sure my initial estimate was a little high).
Renovation fund requirement: $12,400
New Grand Total of Debt: $176,550
Now we’re talkin’! That’s $800 saved this month and an overall improvement of $1,050. November turned out to be a good month! The real catalyst there was I finally sold a tub my ex-husband had bought years ago and was just sitting in my basement on Let Go for $350.
Moving on to savings. Here’s how my savings accounts are looking:
Now we’re talkin’! That’s $800 saved this month and an overall improvement of $1,050. November turned out to be a good month! The real catalyst there was I finally sold a tub my ex-husband had bought years ago and was just sitting in my basement on Let Go for $350.
Moving on to savings. Here’s how my savings accounts are looking:
Savings account: $2,000
P2P Lending account: $250
Investment account: $150
Grand Total of Savings: $2,400
I know, I know, still no change. I’m hoping that December is the month I can plump up those balances a little.
I’m $1,050 closer to the black this month and very happy about that but hesitant to celebrate too much before the end of the holiday season. I’m mostly done with shopping but you know how it goes, something will come up.
I hope you’re enjoying the ice, snow or whatever it is you may be getting and staying warm! If you’re like me the snow is all well and good until the shoveling starts.. ugh. Maybe they’re wrong about that foot of snow thing after all.
How are you guys making out on your Christmas shopping? Are you just getting started or are you all done? Did you get any great deals on Black Friday or are you waiting for Cyber Monday?
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