A day late again but at least I am being consistent.
Personal-
1. Blogging– Post 20 per month. Fail. But there is some good news, I posted seventeen times in the month of November. Improvement is a good and positive thing.
2.Weight Loss– 175#. Did not gain anything, got on the treadmill a couple of time. Still a fail but not a total lost eitehr
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 sixth month straight. I do feel much better about my lack of progress this month. I am working to met goals, slow and steady wins the race.
Financial-
1. Set aside money each month in every budget category. Fail. No change in this category. I will admit we have acquire debit this year so now we focus on getting back on an even footing.
2. Establish and maintain Emergency Fund- Fail.
3. Groceries: Goal is for $550. Goal Met. We spent $460 in the month of November on groceries. We did commit to purchase an entire cow for our freezer in December. I am not sure how to handle this expense. In the past, I have always counted in the month it was purchased. This time I am not sure if I should do that or spread it out over the first six month of the year? Decisions Decisions, Decisions.
4. Gas: Spend $300 a month- Goal Met! Actually under budget at $210 for the month. The price of gas remains around $2 a gallon so this has helped our overall expense. I am very anxious to see how we end at the end of the year as far as a monthly average goes.
5. Pay off all Credit Card debit by December 2016- Fail. This will definitely be a focus and goal for next year.
6. Money Making Apps- I am adding this for monthly reporting. This is becoming a game to me! We collected $175 in gift cards and purchased another $60 of items that were free including shipping.
Success in three of six areas is going to be considered a success! We hope to keep up the steady stream in December. I will say that most if not all of our shopping is complete so I don’t expect this to be an expensive month at all!