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Goal Check-In

September 12th, 2023 at 05:03 pm

Still doing pretty well on the No-Spend September front. We have had some necessary car repairs to make to the tune of $100, but those were necesarry and not in impulse purchase, so they don't bother me. I haven't been back to the grocery store but will make a trip this weekend and update my totals after. Last Saturday, my daughter asked me to go shopping with her and I did. She has an upcoming international trip and needed some things for that. I was proud that I only acted as her sounding board and didn't buy anything... even though I was tempted.

On to our 2023 goal check-in...

Our 2023 financial goals were pretty simple: decrease debt and increase savings.

So far, we have done really well on one front and not quite as well on the other. We have decreased our debt by more than I thought we would have by this point. Our goal was to have our credit card debt below $13,000 and right now we are on track to have our credit card below $11,000 by the end of the year! I am really hoping we can continue to decrease our debt as we are inching closer and closer to the most expensive parts of the year: holiday season.  I’m not unhappy with our progress and I definitely think we will make our goal!

As far as the other half of our 2023 goals go, savings, we have not saved as much as we would like. In fact, when I wrote our goals, our savings stood at $7500, now it is only $5000. We have, however, cash flowed a lot of unexpected or unusual expenses: putting our dog down, trip to Disneyland to watch our daughter dance down Main Street, all senior year and dance activities, and an exploratory trip to Tennessee (we are considering moving there) among other things. We are continuing to build our savings back up but realistically, I don’t think we will get our savings to $10,000 by the end of the year as I know we have some expenses coming up that will eat into our progress.

We will see where we stand in December.

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