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Financial summary for October: we did very well!

Conclusion for October — we spent less than we made. We came in under budget in every category! (except we saved more than we’d budgeted. oh, and the cable bill was $3 more.) And this is just my income, it doesn’t include Mr. Micah’s income, which goes toward the car and savings.

He made $1140 of which we sent $250 towards the car payment. I was planning to send more at the end of the month, but now with my new career plans, I think keeping that $890 sounds like the better option. Unfortunately, our minimum car payment wouldn’t decrease if we lowered the balance (like a credit card’s would) so there’s no point in paying it off faster until we’ve tried out the next job thing for at least a few months and it’s going steady. (The $250 does include some $15 of a snowball.)

At the end of the month, we saved $129 (of my salary) and have another $100 carryover for my medicine (didn’t finish quite at the end of the month, so we’re buying it today, but it was budgeted for last month).

Some numbers I’m particularly pleased with–$238.28 on groceries and pharmacy stuff (non-prescription). That comes out to about $60 each week. I’d say about $10 each week (on average) went to the pharmacy stuff. It’s a good bit less than last month, even though I budgeted for more! Here’s last month’s for comparison.

I have some Joann gift cards which means I didn’t have to spend anything on Joann supplies. Hopefully I won’t have to in November either. πŸ™‚

The income doesn’t include anything but my salary. As for alternative income, ee’re either saving the it, snowballing it, or using it to make more money—I used some Associated Content money for this site. Hopefully it’ll be a good investment.

Total savings: $1019, or about 1/3 of our take-home income. That’ll be a big help when I leave this position! πŸ™‚

For our budget/actual costs spreadsheet, click here.


SavingDiva November 5, 2007 at 12:34 pm

It looks like you’re doing a great job saving money! Congratulations!

Mrs. Micah November 5, 2007 at 12:38 pm

Thanks, SD. You’re doing a great job as well! πŸ™‚

Laura November 5, 2007 at 3:52 pm

Congrats on a job well done!

Hilda November 5, 2007 at 7:56 pm

Awesome. You did really well. I say keep whatever extra you have for now until you get a new job. Keep up the good work!

fluorophore November 6, 2007 at 8:44 am

Congrats! Not easy stuff there – especially the groceries – that’s real discipline.

Kyle November 6, 2007 at 12:16 pm

Well done – not an easy task to come in under budget! Keep it going!

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