Our Financial Peace Journey: November 2016
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If you are new around these parts, the Mister and I took the Dave Ramsey Financial Peace University course through our church last year. We have a goal to pay off half of our consumer debt this year. You can catch up on our journey by checking out our previous recaps:
- October 2016 update
- September 2016 update
- August 2016 update
- July 2016 update
- June 2016 update
- May 2016 update
- March/April 2016 update
- February 2016 update
- January 2016 update
- December 2015 update
- weekly FPU updates
I have to admit that we didn’t do such a good job with staying on track with our November budget. It’s not much of an excuse, but being crazy busy at work isn’t good for tracking our expenses. I’m embarrassed to admit that our checkbook hasn’t been balanced in three weeks, and we haven’t tracked our expenses this month either.
I also didn’t have time to meal plan or grocery shop much, which means that we ate out way more frequently than we should have given that we’re trying to get out of debt.
I will say that I wasn’t tempted with Black Friday or Cyber Monday much at all, which is what I would have expected to bust the budget. I did do a little online shopping, but I used gift cards that I had on hand. I also made sure to start with Ebates so I’d see some cash back on my purchases.
November Victories & Blessings
We had a major challenge this month because the Mister was in a car accident, which totalled his car. Thank goodness he was not hurt, but we were faced with the challenge of getting him a replacement vehicle on a pretty lean budget.
Because of the all the cars in the Carolinas that were damaged between the flood last year and Hurricane Matthew last month, finding a decent used car for less than $10,000 is difficult in this area. Fortunately, we have located a Subaru Outback within our budget.
We won’t pick the car up until tomorrow or Wednesday. It will need some repairs, but it looks like we’ll about $600 after everything is said and done to go toward our debt snowball or holiday budget.
I also had a pretty big custom order from my Etsy shop for holiday gifts, which was a pleasant surprise. Most of that will go back into the shop since I have a lot of holiday crochet work to do and I found out that I need a sales tax license in South Carolina, but it’s still nice to see the business making sales.
If you want to take control of your finances, I’d suggest reading The Total Money Makeover. Or go online to daveramsey.com to find a Financial Peace University course starting near you.
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