State of the Frugal Union

October 1st State of the Frugal Union

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Fall is here! My favorite time of year! We did ok for the month of September, following the trend from last month, we had a number of big bills that we needed to knock out, like eye exams and contact lenses and glasses for Frugal Husband and myself, we also got snow tires on the van, which were needed badly.

What this all means is that the money that we made at our second jobs that would have been funneled to debt instead went to the big bills, and will go to the big bills this week on October 5th. So the month of October will be a slim month for us, without much paid toward the debt except for minimums- we have 2 more big bills coming up because our septic tank needs to be emptied and the chimney needs cleaning… sigh… summer and fall tend to be our most spendy months because a lot of our yearly bills are due during this time.

Anyhoo let’s talk about the numbers:

  1. Frugal house- $208,000
  2. Frugal Student Loans- $161,000
  3. Frugal Private Student Loan- $4,450
  4. Frugal Car 1- $16,000
  5. Frugal Car 2- $15,500
  6. Frugal Credit Card #1- $10,300
  7. Frugal Credit Card #2 15,333

If you’re following along- that’s $2,676 less than last month! Woo hoo!

My goals for next month are going to be to try and keep really tight control over extra spending and our food budget, those are the things that we have the greatest control over and the food budget is were we spend the most.

I have my biggest craft fair of the year this coming weekend, so I’m slightly distracted, but once that is over, I plan on sitting down and mapping out the rest of the year for our finances. We have a budget for our regular income, but we also now know how much roughly we should be taking in from our second jobs and I’d like to get a really tight handle on it. So stay tuned, I’ll be breaking down how much we spend monthly on everything. Happy Fall!

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