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September 2017 - Spending by Categories

September 29th, 2017 at 02:06 am

Well it's the end of the month and I'm done with all my spending.

Tomorrow is pay day, and I have completed my zero balance budget for this pay date. First time ever doing such a thing. I'm also going to try the cash envelope system when it comes to spending. This too is a first timer. I'm actually excited about it.

So for September here we go!

Wages $3112.56



Total expenses $2669.89
Difference $442.67 (actually about $80 left, CC payment not included).

As you can see, hurricane supplies killed my spending. Ugh! At least most of the items (over 90%) I can use for dinner and snacks. The other items such as sterno, first aid kit etc can be set aside for next year.
I've placed this expense, on my calendar to start stocking up in January. Particularly when there are BOGO. Crazy!

Bank charges are the interest that I'm paying in CCs each month. And gift are lunch and pedis with the mentee as well has treating BF dinner.

One thing I noticed is that not all CC payments are included. I have to figure out when I run the MS Money report that all CCs are included.

Let's see how the next two weeks go.

5 Responses to “September 2017 - Spending by Categories ”

  1. snafu Says:

    What a difference a year makes! I hope you like this new financial process and are comfortable committing to it for this entire fourth quarter. Would you consider a quick review of 2016 spending categories to help with irregular expenses like holiday season spending or legal costs resulting from estate house sale.

  2. Amber Says:

    Snafu, I fell off the wagon, one of the reason I started back blogging regulary. My spending last year is very spotty, in that I really didn't keep track 😢

    However, for this last quarter I am very committed. My goal is to begin setting funds aside for Christmas, continue with the zero balance budgeting and paying down CCs. Oh yes and continue to blog, this blog keeps me accountable. I see you all as my accountability partners, you tell me good job when I do well and not when I'm doing well.

  3. snafu Says:

    Typically you can review 3 years of banking transactions online. Vendors paid like specific utilities, or holiday season like November 2016 likely outlines extra expenses for Thanksgiving for example. It can be helpful to note anticipated 'special' expenses on your phone's calendar as an 'event.' I truly believe following the manual's suggested vehicle maintenance keeps our cars running well for years. It meant flipping through the manual and noting recommended mileage markers as flexible, calendar 'event' reminders.

  4. Amber Says:

    Duh, lol I didn't think about that and I will review. Thanks

  5. rob62521 Says:

    At least the Hurricane supplies aren't going to waste even if they blew your budget.

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