Went to my local grocer and got my $10 gift card for getting the flu shot. My arm is sore, it usually is when ever I get the shot, hopefully it won’t last long.

Wednesday I’m traveling to Atlanta for work, during this time I plan on speaking with my boss, the CEO, regarding training me to take her place. She’s extremely dissatisfied with the individual she has had in mind. She’s mentioned several times that she thought I could run the place. Even if I’m not tapped, the training would be great.

I just finished updating my planner, I’ve been using it consistently for a few weeks, particularly for work and it’s been working great. I’ve bought planners in the past but I never really found planner peace. I’m planning on treating myself to an Erin Condren Life Planner for Christmas 🎄. I’ve heard and read that this is the Mercedes of planners, so we will see.

Right now I have a load of clothes in the washer 🧺, next I have take care of the towels and sheets. I’ve notice my electric bill decreasing since I’ve been line drying everything. I checked my electric account and my bill is projected to be $92, that’s about a 57% decrease. So exciting.

Other than that I have nothing else to report.

To renew my HR certification with SHRM I think it’s about $400, I started saving for it in June and I’m almost at my savings goal, with just under $75 to go. Hopefully my employer will reimburse me, fingers crossed. If this happens, I’ll continue to save and use the money towards the convention that I’ve always wanted to attend.

I have my sinking funds and was wondering when I should stop contributing to them. But after reviewing I don’t know. The home repair fund, I want at least $10k in that account. One, I know eventually the roof will need to be repaired, it’s well over ten years old as well as the AC. I also have some miscellaneous items that I’m holding out on as long as possible such as the refrigerator, cabinets and washer.

The car fund, I’ll just keep adding to that the $25 per pay period, my car is a 2002 Camry with well over 250,000 miles. She runs great, but I would like a nice cushion to be able to buy a car cash, once its time. Hopefully she’ll hang on for two more years at least. I think I need to bump the contributions amount to about $40 or $50.

Next there is the HOA, there’s really no cap, my HOA is $2,220 a year. I deposit $88.80 per pay check, when ever I hit a balance of $370 I make two payments. So I’ll never have a cushion in this account and don’t think I need to. Right now I’m paid through the end of the year. Once I get the new coupon book, in December what ever is in this account, I’ll pay as many months as possible.

Gifts I can cap at $250. I figure $25 per person for gifts such as birthdays and showers. When I’d initially set this up I only counted one graduation and a few birthdays but I got hit with baby showers and weddings etc. Right now I have one birthday coming up and that’s it for the rest of the year. Thank goodness.

Sorority I’m capping at $300. Though I’m no longer an active member, I do like to attend a few events and meet up with my line sisters from time to time. This is more of a social account.

And Christmas, well that’s an ongoing account. I have my three great nephews and mom to buy for. And my holiday game night. So this worked out pretty good.

Just typing this out, put things more into perspective. The home repair, EF and car repair/replacement funds are the most important accounts with much higher caps.

September updates

The following categories decreased:
* Cable by 28%
* Dining out $71%
* Groceries 54%
* Household 94%
* Personal care 82%

Net worth didn’t decrease by much, still negative, but at least there was a reduction.

Overall on my committed expenses (e.g loan, mortgage) I came in under budgeted by $1,103.74 or 14%.

Odd report shows only $50 added to retirement, I need to double check this.

Finally back on track. I took a week’s hiatus, things were super busy at work and this last week has been crazy.

First, the SO cousin’s wedding was beautiful, but his mom act a plum fool because she was sitting at the wrong table and had to move 🤦🏽‍♀️🙄

The next day at 6 am we took my mom to the hospital 🏥 she had an allergic reaction to something. Then at 11 am we took the SO grandson to the hospital for a possible seizure, all in one day.
Mid week the SO was attacked by bees 🐝 while working and his face looked like the elephant 🐘 man 🤦🏽‍♀️🙄. Thank goodness the Benadryl worked.

All this coupled with a work week from hell, open enrollment, employee relationship issues etc.

Today I finally took a look at my budget, last month was okay. I’m annoyed that I had to stop the snowball temporarily.
So last month...
* Paid only $409.18 to CC9
* Saved $506 of income ( this include the dividend of $4.04)
* I had a few items I went over budget in, not too bad
Tomorrow I’ll take a look at my habit tracker, to see how things went

Revisited my budget and this is a tough month. I signed up for something last year, that I really didn’t want to do but hey, it’s done now. I’m just ticked off at myself and the fact that I won’t be adding anything extra to the CC 💳, other than about $70.

Other news, I’m really glad that I’ve socked away for birthdays and other things that require gift buying, that I may have forgotten. We had a wedding this past weekend, and we (SO) split the gift, $25 each. I took my portion from my fun envelope but transferred the money from the birthday sinking fund right back. Lol, what’s weird is I forgot about the account and was upset I had to spend the money, I thought how could you not budget for this. Then I realize I had actually saved for it. Duh 🙄 It feels so good to not use CCs 💳 and to save for things.

Last night I came home my car window won’t go up, it appears as though there’s something with the rubber, it’s off track blocking the window to go up 🙄. Murphy always seem to appear when things are going great.

Lastly, the weekend was crazy, mom went to the hospital, allergic reaction and the SO grand baby went as well, all in the same day. Plus I started feeling like crap 🤢. Thankfully everyone is home and I’m feeling better.