- # Buy nothing days : 9 days (It’s been a month of shopping!)
- # times used S’mores Maker (aiming for 15 uses in 2015): 7+0, I suspect that I’m not going to hit 15 uses by the end of this year.
- # times ate out: 8
- # activities with loved ones: 14
- # months until home improvement fund: 26 months
- % over or under budget: Deep breath! 34% over budget
- % consumer debt paid off: 6% (Yay!). I never did do a debrief for October, I paid off 18% then. In 4 months of tracking I’ve paid 44% of my debt.
- I was able to use my vacation fund to take an impromptu trip and it was pretty close to the budget I set myself
- Gift shopping is complete!
- Successfully made a good chunk of presents by starting in October
- Paid less to my debt as gift shopping was way over budget but the key piece is that I was still able to contribute to my repayment.
- I used my credit card and it didn’t go to my head…too much. I’m going to continue using it in December to assess if I can use it responsibly.
DIP INTO SAVINGS/CREDIT
- I was able to use my savings to do car maintenance, take a weekend trip and purchase some gifts
KEEP IN MIND
- This is an expensive season in my home, between presents, socializing and holiday parties I need to start saving earlier.
- Don’t let the idea of overspending being alright go to my head! It’s not an excuse to buy whatever I want.
- Next year I need to triple my gift/seasonal budget so I should start Christmas saving in the summer.
- I used a lot of banked overtime in November in the form of long weekends. This is the only reason I was able to get the gift shopping done.
Yes I’ve gone over budget but for the first time in a long time it doesn’t make me feel awful because I can see a good reason and I’ve got a plan. I created the December budget and have come up with a plan so that there isn’t any overspending. Now to stick to it!