2018 Recap & 2019 Goals

budget expenses long term

So, obviously, I fell off the wagon. For a long time. And I’ve realized a few things: things I would tell to other people nonchalantly as if they were obvious, and things people could tell me and I would agree wholeheartedly because they are obvious. For starters, when I say I fell off the wagon, what I really mean is: I stopped budgeting. I just bought whatever I wanted and figured that some windfall somewhere would cover it. I was impulsive and never said, “no” to myself. I needed someone to stop me and say, “for real? This is what […]

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October Recap / November Goals

Wow, this month has a lot of positives and negatives. This was the first month we didn’t spend exorbitant amounts on home improvement. We did pay $500 to have our woodstove and chimney cleaned and repaired, but other than that, it was a “normal” month in terms of home expenses. Oh, and filling our oil tank, which I somehow didn’t plan for. However, this month we had dropped our retirement contributions to re-fill some of our savings accounts, and it was able to help cover some of these expenses also. Big victories for October: We only spent $260 at restaurants. […]

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September Recap & a lot of honesty

So I skipped my August Recap. I guess I’d say I had a lot going on and, but that’s an excuse. I mentioned briefly on Facebook that a lot of it was shame, and that’s true too. September was not much better for us though, which is a hard realization. While we had some major home expenses that derailed some of our retirement savings goals, our day-to-day expenses were still too high compared to what we want to be spending on those expenses. Sometimes I have a habit of saying, “we had visitors this month,” or “we traveled somewhere this […]

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July Recap + August Goals

For the first time in a long time, it seems like July passed at a normal pace. In fact, it seemed like it was a slower month than usual. Anyways, financially, it wasn’t a horrible month for us. It wasn’t spectacular. We spent a lot of money trying to make this house a home, and we’re not even close to done yet. We just began a deck renovation and we’ve knocked a hole in our dining room ceiling in an attempt to find a leak… and we still can’t find it. We’re learning a lot of skills as new homeowners […]

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May+June Recap / July Goals

Oh my gosh, I can’t believe I am even writing this right now. I woke up at 5:00 AM and decided to reconcile our budget (which I have been halfheartedly following) because it was bothering me so much. Two hours later… I am ready to talk about the last two months. So, holy sh*t! We bought a house! Sorry for the language, but there is literally no other way to express this. There is so much that comes with buying a house. Watching that down payment and closing cost transaction come right out of our account, and feeling like you […]

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