I have posted my SEPTEMBER End of Month $30K $AVING$ CHALLENGE Totals.Check out the side bar to your right for the specific numbers.
I have to report that we finished up September in the black....with an addition to the total!
The extra cash we were able to save in September was.......$1,165.79.
Income
We had $1,036.29 left over of DH's salary after expenses were deducted. Add in $129.50 of Rebates applied to the food expenses and you have a deposit of $1,165.79 toward the Savings Challenge!
Seeing as our monthly target is $2,500.00 to reach our Year End Goal, this month was less than half of what we need each month to stay on track.
Outgo
As for the expenses in September....we had a rather large Vet bill this month(due to our doggie that passed away earlier this month)and we had School Taxes due(our property taxes are divided up into school taxes and local/municipal taxes). Add in the usual bills plus a fairly large credit card bill(which is paid off every month)and we didn't have as much leftover to put aside this month. But having a couple of months where we had lower expenses let us save extra before now so we aren't losing any ground in Sept.
The Food Budget costs for September are in another post, which is located HERE. The actual Food/Toiletries spending in September was over my $250 target but the rebates we received in September helped to cover that excess amount spent and lowered the OOP to $137.67.
Looking Ahead to October....
Looking at last October as a guideline, there is only the quarterly garbage bill coming due. In fact, we have NO unusual non-monthly bills except this one for the remainder of the year!
Plus there is one of those 2 extra bi-weekly paychecks coming before the year is out.
Now if we can just keep some restraint with the money during the Holidays and not go hog wild with the eating out & the "Gift Bacchanalia" that this Season encourages, we'll be doing well.
On the other hand, October will see the beginning of Heating Season here however, so our electric bill will be going up. 8-(
YTD Standings....
We have a Year To Date Total of $24,087.15 in Savings. To save $30K for the year, we need to put away $2,500 per month average, at this point in the year we need to have $22,500 saved. Currently, we have $5,912.85 to go with just 3 months left in the year. I can't wait to get to that financial finish line!
So how was your September financially? Leave a comment and share with us what you did with your money, both the good and not-so good. Do you have any tricks or tips that help you to end your month before the money runs out? Let us know!
If you posted your financial progress on your own blog, leave a link in the comments so we can go check you out too!
Sluggy
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