Debriefing November 2016

november

TRACKING

  •  # Buy nothing days :10 days
  • # times used S’mores Maker (aiming for 8 uses in 2016): 2+0=2
  • # times used champagne saucers (aiming for 7 uses in 2016): 4+4=8
  • # times ate out:6
  • # activities with friends/family: 8
  • % over or under budget:.3% over budget.
  • % of goal put toward ML’s debt: 100%

CELEBRATE:

  • ML and I celebrated our anniversary on a budget and t was fantastic! We took a couple days just for us
  • Though I was over budget it was my bills that had me this way rather than overspending
  • I’m tracking my budget here rather htan my income. I got a bit of an increase in November as certain automatic payments aren’t taken in November so my gifts were able to come out of this excess.

DIP INTO SAVINGS/CREDIT

  • My gift line has been cleaned out
  • My insurance didn’t cover all of an appointment so the savings went to that
  • my dream got paid out of my Life Happens line

KEEP IN MIND

  • Next year I need to figure out my Christmas gift line so I’m prepared
  • No is a complete sentence! I need to learn how to say it nicely to people when their suggested events do not fit into our budget.

OVERALL

November seems so long ago! I felt good in the month but my gift line began to stress me. I also went a bit overboard already in December so I’m going to work at not let my spendthrift side take over.

Image courtesy arztasumia via freedigitalphotos.net

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