September’s Budget and October’s Goals

I’m pleased to say that we came in under budget for September. Here’s a link to the full budget balance sheet, published thanks to Google Documents.

We came in $31 over budget for groceries and pharmacy. I’m going to try to expand it by $25 this month and see what happens. Also less than $3 over on “business expenses.” I remember classifying laundry in here too. Not sure where to put it.

But in the end we were able to put $14 more than planned into savings. Didn’t spend anything on crafts, for instance. And I have some gift cards which should keep me set for the fall!

I left the balance sheet with an over balance of $120. I’m adding it to October’s budget as “Misc income.” $100 will go for Mr. Micah’s medication which we didn’t buy in September but need to buy now. I’ll budget another $100 so I can get mine refilled too. The $20 will be added to another $20 budgeted for charitable giving and will go altogether to some friends who could use it. We’ll be seeing them in October.

So I’m rather pleased with myself.

My goals for September were to: figure out our net worth, make a budget and stick to it, and create a repayment plan. I think I achieved them all.

Now here are October’s finance goals:

1. Set up bank accounts and combine finances with Mr. Micah.
2. Earn at least $20 through activities on the side. (though that won’t be in the budget)

Fairly modest goals, which I hope means that I’ll stick to them. I also plan to keep following our savings/repayment/budget things. Hopefully I’ll have redone our NetWorthIQ by Saturday.