One thing I really want to start doing is making a list of monthly goals and coming back at the end of the month to reflect on what I accomplished. My sister mentioned that a great way to snap yourself out of a funk is to make a daily list of things you need/want to get done and then come back at night to see how you did. It’s sort of a way to make yourself think about what you need/want and it sort of… quantifies it, you know? I feel a little overwhelmed by trying to do this daily, so I figured, let’s do this every month!
So pull up a chair, grab some coffee, and let’s chat!
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This month, my goals were to:
- Pay at least $450 towards student loans
- Stay under $25 for eating out
- Stay under $25 for alcohol
- Start saving for Christmas
I know, not a huge month for goals, buuuuuut, I managed to accomplish 75% of them!
- Because of the money for my car payment being freed up, I’m able to set aside a solid $400 for a new monthly minimum. However, I wanted to force myself to put aside a little extra money, as a debt snowball. So I put an extra $50. My paychecks weren’t super big this month, so that’s all I could do. Once I work some more hours and God help me, get a better job in the future, I’ll be able to set aside probably double that amount, and pay off my loans even faster than my projected goal.
- This is the one where I slipped up. Like I’ve said many times before, having such a stressful job makes me emotionally eat. Especially on days where my hours are so scattered and I only pack so much for lunch and snacks. I spent probably double my limit. Uh-oh Spaghetti-os.
- I actually surprised myself on this one. I started the month with a 12-pack of Heineken for $15, and when I ran out in the middle of the month, I got myself a 12-pack of PBR for $10. Right on budget! Next month, I may switch to boxed wine to really stretch the budget out.
- It really helps that my immediate family and I agreed “no big gifts” this year. Everyone got really sick of making dents in our budgets for crummy gifts that don’t even get worn/used. We’ve all decided to spend our money on experiences or even just spending quality time together.
What goals did you have for September? Did you accomplish them? Let me know in the comments below!