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September Spending/October Budget

September 30th, 2012 at 09:50 pm



Overall I didn't do too badly in September. I did not curb the eating out too much, except for not getting any Blimpie subs - instead I only got egg salad sandwiches, which I can get a sandwich, chips and drink for the same cost as a foot long sub. So ...

I bought a plane ticket home for Christmas, which I was refunded by soon to be stepdad. I wish I could've waited til October to buy it, because then there'd be the 5% back deal on Chase ... but it may have cost more by then too. Who knows.

In the medical category I had two fillings and my regular subscription.

In technology I bought a phone to try out the Ting service here (using a $25 discount from Lucky Robin Big Grin )

I earned two $5 AGCs from Swagbucks, as well as $30 doing a babysitting job.

I upped my ROTH contribution to $200 this month, and still was able to put 41% of my income into my car replacement fund. So those two combined equal approximately a 47% savings rate. Not bad, but I'd like it to be higher.

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Going into October .. I am going into it with the mindset of keeping my grocery budget to $100 or less, and also keeping my gas/fuel to less than $50. In September I did manage to lower my food/grocery spending slightly (a good bit actually, considering I included my egg salad stops in it and not in fun money ...) So, I think I may be able to do it.

I'm hoping that I'll be able to cancel my cell phone plan by the end of October - so it wouldn't be a savings this month, but it would be a definite savings by November!! (which of course will go towards the car fund!)

I'm really hoping to get on the ball and get some books listed on half.com or perhaps Amazon and see if I can get anything for them. (books I bought with my money for the library/summer school which ended up not being used, so in brand new condition - multiple copies...)

So anyway ... onwards to October!

3 Responses to “September Spending/October Budget”

  1. ohsuzannah Says:

    Hello. I like the look of your budget planner. What software do you use?
    Thanks,
    Suzanne

  2. Looking Forward Says:

    I just changed the name that is displayed on my referral link. So yes, you can do that. Smile
    Thanks for letting me know that it came up when you went on there.

  3. FrugalTexan75 Says:

    ohsuzannah,

    I use You Need a Budget (4) software. It is really a great program and system. YNAB has a forum to discuss the methodology as well as the software - lots of friendly, knowledgeable folks. Big Grin
    Looking Forward,

    Oops, you read this before I could edit. As soon as I posted, it hit me that I'd put the wrong name. But the blogs had gone all wonky and I couldn't get back in to do an edit. Blush

    That's good to know that you can do that! I'm really hoping this'll work well, and then I can write about it on my other frugal blog. Big Grin

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