I wanted to make sure I got the pictures from Halloween posted so this is a day late, but better late than never. First how I did in October then a look ahead
Personal-
1. Blogging– Post 20 per month. Fail. October was a difficult month for me. One week I really just wanted to find somewhere and hide. That did not work so 16 post it.
2.Weight Loss– 175#. I totally gave up on this goal in October. I am planning to get back on track in November.
3. Spiritual– Spend at least 5 days a week, reading and studying The Bible. This continues to be a challenge for me. I need to find a time to set for this but so far not happening.
Personal goals are a failure for the fifth month straight. I will admit that October was the worst month for me emotionally. It was not a single event that sent me in a downward spiral but I can say that I know I need to slow climb back up!
Financial-
1. Set aside money each month in every budget category. Fail. We have been able to meet all expenses but this is a huge struggle. I did receive a small pay raise in October so hopefully this will help in addition to some income that Matt is generating.
2. Establish and maintain Emergency Fund- Fail.
3. Groceries: Goal is for $550. I changed this goal in June and have failed to meet it every month. However I am under my original $700 for the month ending at $649.59. I am planning on a low/no spending November .I can say it is successful for day 1.
4. Gas: Spend $300 a month- Fail ! Again I may have changed this goal too early as well We spent $323 this month including tags and inspection for the truck. I will reconsider both Gas and Groceries in December. I know my lesson no changing goals mid year.
5. Pay off all Credit Card debit by December 2016- Fail. I am meeting bare minimal payments on everything but really was hoping to begin to get control and reduce this number.
6. Money Making Apps- I am adding this for monthly reporting. Matt and I both are trying to see how much we can earn doing small things. This month has been very successful. Total of $170 for the month. Extra money is awesome and helping to work our way back to a budget.
Goal wise this month is another failure but I am not surprised. I made changes mid-year without waiting, so now I am going to wait to try again. I am hoping that we can dramatically reduce our spending for groceries in both November and December.