Welcome To Our Second Personal Budget Report!
Today, I’ll be sharing our September Personal Budget Report with you! These are the numbers we have calculated after our Slow Spend September Challenge. Check out our final reflection of the challenge here.
While we didn’t have as much luck as we had hoped, we did eliminate several hundred dollars worth of payments. That money is going to help us a ton as we work to get Mr. P&P to the point of living on last month’s income.
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Why Create A Monthly Budget Report
The first real budget I set was back in 2014 when I was making A LOT less money than I am today. I had been idling along for years in my retail service job, scraping by from paycheck to paycheck, surviving, but making very little headway. Way back then, it wasn’t even debt reduction or budgeting that got me interested in getting my finances under control. An interest in prepping lead me there.
In learning about preparedness, I began to realize that if there were ever an emergency, I was going to be out of luck. There was no savings to speak of, cash or otherwise. Stocking up was out of the question. The debt I had accrued was taking up all my expendable income and then some, probably. I thought I was okay with money, but it turned out, I had absolutely no idea what I was doing. At best, I was JUST okay. So, I started to research.
I probably learned about every system under the sun. There was so much to absorb. I made a lot of mistakes. Honestly, I still do. But I did find a system that worked for me, and it made a difference almost instantly. In finally creating a physical budget, I could see where I was wasting money. It was no wonder I couldn’t catch up.
If there were only one takeaway I could share, it’s this. You do, in fact, need to set a budget and put it on paper! Yes, technology counts as paper here!
Why Am I Sharing My Spending And Earnings?
Simply put, it helped me when others showed me what they were doing. I can only hope that by making my own finances public, that I can help others out there who aren’t sure where to start.
I also think it’s really important that we talk about money. Like, as a society. The secrecy and shame surrounding spending makes it so much harder to figure out a system that works for you. There should be less fear of judgement and failure around money. If I can contribute to expanding the conversation, I want to!
Now that I have a child, I am realizing she learns so much by watching me. The best way for me to set her up for success is by showing her what’s out there and how it could be handled. It might not have taken me until I was almost 30 to realize I didn’t actually know what I was doing if there had been more conversations about healthy spending going on around me.
A Few Budget Report Details Before We Start
Everyone budgets a little differently. There’s not really a right or wrong way. Just what works. Mr. P&P and I don’t track our budgets exactly the same way. We don’t even have joint finances despite our 14 years together because we just work differently.
For a little consistency, I’ll calculate monthly spending based on purchases made during the calendar month.
As for income, I work on a zero based budget using last month’s income. Basically, this means that all the money I earn this month is budgeted and spent next month. It’s an absolute life saver, especially if money is tight or inconsistent. Having the ability to borrow from my future self saved us again this month! I’m hoping I won’t have to rely on it again now that we have all the data put together.
Mr. P&P isn’t quite there, but we’re working on it, but we hope to have him a month ahead by the time we post our October Budget Report. We’ll definitely be there this year if no big surprises pop up (knock on wood)! Since most of our income is salary, this little variation really only effects extra earnings.
September Income Budget Report- $7,448.17
This is money that was earned during the month of September that will be budgeted in October.
- Teacher Salary – $6,971.13 This includes both teacher salaries after the automatic withdrawal of taxes and health insurance. We received small raises this month that is reflected in our new total.
- Rental Income Property – $450.04 Our first home was a townhouse we paid under $100,000 for in good condition, which is unheard of in today’s market. When we bought The Pit, we decided it was better to keep the town home as rental income rather than sell it to put money toward the new house. We stand by this choice even despite the problems with this home! The rental income has saved our lives on a couple occasions. This is the money we receive after paying any management and repair fees.
- Extra Income Deposited – $27 A Venmo payment from a Facebook Marketplace sale. Since the money is in my account already, this will count toward next month’s budget!
- Extra Income Paid in Cash – $71 Cash payments from selling a bunch of stuff on Facebook Marketplace, minus using $26 to buy dinner at a local festival last weekend. I’m listing it here as income, but it will not show up in the total above or in next month’s budget! It will be kept aside to handle unexpected expenses that require cash.
September Spending Budget Report - $7,367.71
We’re not over budget this month! Our Slow Spend September Challenge helped us to reset, get the spending in check, get rid of several minimum payments, and set aside cash to help get Mr. P&P a month ahead soon.
Monthly Living Expenses - $3,513.28
This budget report category includes typical monthly expenses that come out of our budget basically every month. These are our “basic living” expenses that we need to pay in order to get through the month.
- Mortgage – $1704.00 This includes our payment, interest, taxes, and insurance on The Pit, plus an extra $100 payment that will help shave a few years off our loan.
- Utilities – $526.99 This covers the electricity, gas, water, sewer, and pest control services. The Pit has regular problems with spiders, mosquitos, and rats, making pest control an essential service!
- Daycare – $600.00 Paid during the school year only. We are fortunate to know an incredible lady who provides services for teacher’s kids at a very affordable rate. Baby Girl loves going!
- Car Payment – $234.35 On top of the home issues this summer, Mr. P&P’s 14 year old car died right in the midst of everything. The car seat doesn’t fit in mine, and we were basically living in a hotel, so we were stranded. We purchased a used car through Hertz Rentals because we knew it would be maintained, and their process is very straightforward. But we didn’t have the cash saved up after paying for foundation repair, so we had to finance. I am still driving my paid off sub-compact.
- Gas, Toll, and Other Transportation Expenses – $164.12 We filled up both cars twice, renewed my toll tag, and paid toll fees for the new car.
- Groceries – $283.82 We got pretty creative this month to minimize shopping trips. However, we still bought staples like bread, produce, and milk regularly.
Debt Expenses - $1,702.74
This is money we spend in order to pay down previously existing debts and any expenses or debt we have as a result of those debts. Hopefully, there won’t be any new additions to this anytime soon.
- Student Loans – $747.13 Ouch.
- Debt Repayment – $877.68 We paid off a couple small balances to eliminate those minimum payments. It shaved a couple hundred off the monthly minimums, so we can funnel more into paying off debt!
- Fees and Charges – $77.93 After combining some debt through balance transfers, this should be the last of the finance charges for a while.
Other Recurring Monthly Expenses - $387.20
These budget report expenses happen every month, but they are not absolutely vital spending categories! This is the stuff we could get rid of and survive if we needed to.
- Phones – $61.18 The cost of both cell phones. We don’t have a land line. It’s lower this month because Mr. P&P switched to a cheaper provider.
- Digital Media, Streaming, and Internet – $95.24 This covers our internet, Netflix, and Hulu accounts.
- Rock Climbing Gym – $75.78 We love rock climbing together! This pays for our family membership plan. Since Baby Girl was born, we have gotten very lazy about going, so we need to be more intentional and not waste this money.
- Monthly Renewals – $155.00 We each have some subscription boxes for various hobby interests throughout the year. One only renews every few months, and it did so in September.
Variable Spending - $1,764.49
These are expenses we may or may not have every month. They are somewhat unpredictable and variable.
- Health Care – $214.05 We all got sick this month and needed a doctor’s visit and some medications.
- Home Improvement – $0 No projects this month.
- Home Expenses – $13.25 Just some household necessities. (i.e toilet paper)
- Dining Out – $12.30 So much better this month! We had lunch during last week’s grocery trip. I stopped to get fast food in a moment of stress-induced weakness.When I was sick, I grabbed a soda from the vending machine since I couldn’t keep down solids. We had lunch at a local place mid month, but used a gift card.
- Blog Expenses – $46.00 I rented a PO Box.
- Baby Expenses – $42.44 I got Baby Girl some Halloween books, and she needed thinner, cooler PJ’s in her size.
- Classroom Spending – $33.28 I had to supply some materials for a couple science labs this month.
- Digital Streaming/Media $0 Nothing this month.
- Gifts – $8.24 Mr. P&P was in charge of a team birthday celebration this month.
- Hobbies and Entertainment – $105.26 We’ve been following several comic books through the past few years and picked up the next installments this month. However, we cancelled our automatic hold service, so that will go down. Also, I cancelled my Ancestry membership, which will help later. Free trials are dangerous!
- Other Spending – $50.37 Mostly clothing in this category. I couldn’t walk away from a spider-web print, glow in the dark nursing romper, and Mr. P&P picked up some essentials.
- Savings – $1296.12 This isn’t really savings, but we’re keeping it there for now. One of our big goals with Slow Spend September was to get Mr. P&P living on last month’s income. So far, this is everything we saved!
Budget Goals Progress
I had honestly hoped to see more progress on this budget report after our No Spend Month. We definitely weren’t perfect. There’s progress to be made. However, I’m feeling a lot less discouraged about our progress.
- For starters, we cut way back in a lot of categories. We plan to scale back this month in categories we didn’t realize we still had.
- Then, we saved up about 1/3 of what we need to get Mr. P&P a month ahead financially.
- We also got rid of the balances on two credit cards altogether and shaved away more than $800 in credit card debt. Our minimum payments dropped by $200! That means there’s an additional $200 in the budget to help us reach our goals.
Paying all the consumer debt off in two years still seems like a pipe dream, but it’s not quite as impossible as it seemed last month when we set the goal. Things are starting to come together again, which is really nice after three months of things regularly falling apart.
What Does The Future Hold?
Facing your financial burdens head on does not feel good, but it is important if you want to grow. You can’t fix a problem if you don’t know it exists. My situation is probably fairly common. Our income is pretty good. We have a lot of debt, but not as much as we could. Many of you might be in a similar situation. Some might be better off, and some might have a longer road ahead. No matter where you are, figure out what you’re starting with so you can decide where you’re going.
We longingly dream of the day we can say we are entirely debt free! I don’t know if that day will come, but why not dream big? Today, our goal is to make progress. But someday, we want to have as much control as possible over how we use our money. So, I’m giving you a breakdown below of our major debt goals and monthly progress. Who doesn’t love a good bar graph?
All totals except the credit cards go back to the original loan amounts, and the credit card total comes from our calculations in September 2019.
The percentage bar shows the percentage paid off.
The numbers beneath show the total remaining / original loan.
$39,016.34 / $39,558.61
This is the first time that the credit card debt has actually gone down in several months. We are thrilled about that little baby step! Hopefully, we will be able to pay down a much larger chunk in the coming months. We are shooting for a goal of payoff in 2 years! Just 1 year, 11 months to go.
$11,885.63 / $14,169.05
This includes only the debt I took on with the birth of Baby Girl. The cost of her conception through treatments and prenatal care were paid in cash, as was the hospital down payment. This is just the debt accrued after delivery complications and emergency services that I couldn’t deal with due to a mostly unpaid maternity leave. A lot of this is currently in collections because I just don’t have enough money to settle yet, but I’m chipping away..
$13,206.25 / $14,111.92
We’re not putting extra here yet.
$64,691.58 / $80,567.17
Someday, we will qualify for debt forgiveness due to becoming public school teachers. We’re not really putting a ton of eggs in that basket though. If I can get them paid off earlier, I will. A lot of the progress I made here happened in the years where my income was fairly low, so I’m pretty proud of that.
269,350.84 / 292,407.00
The mortgages are last on our list of payoff priorities. They’re pretty huge amounts for us, but we really would like to pay them off early and save some interest!
Now, It's Your Turn
If you haven’t sat down yet and faced your debt head-on, I really encourage you to do it! Figure out what you owe. Write it down. Stare those numbers in the eye and acknowledge them!
You can’t fix a problem you don’t know about!
What was your spending month like? What goals are you working on, and what kind of progress have you made?
While you’re at it, don’t forget to share this post on your favorite social media, follow us, and subscribe to our newsletter.
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