Let's just cut to the chase. DH and I had more ambition and wants this year than we had earning power or discipline to save. There, my BS meter that I have been writing my monthly wrap up has gone all haywire and so I am coming clean. 2018 has been amazing. We did wonderful things with our money and I'm going to relish in that.I'll write three more posts just so those of you that have been watching this fairy tale can see where we end up.
Below is the recap in terms of our annual spending priorities.
1. Fully fund the Roth $13,000
2. Once in a lifetime family vacation $15,552 ($3,000 added +$552 overage)
3. College Fund $12,000
4. College and Show Choir Road Trips $ 1,500
5. All State Camp $ 650
6. Home Upgrades $ 9,000 $51,702
Annual Savings Goal $38,702 ($51,702 priority budget-$13,000 from savings)
Taken from Savings -$13,000
Vacation expenses paid $15,552
College/Show Choir trips paid $ 1,354
All State Payments $ 650
Cash Savings Increase $ 1,000
Total Savings achieved $18,556
Balance to save: $20,146 (I'm laughing just seeing that number)
October was not horrible, but it was greatly aided by the award bonus I received. I'm trying to go lean for Christmas for my immediate family since the trip was enjoyed by all. I'd like to skip the extended family gift exchanges, but not ready to feel the impact to buck family tradition on either side, so just will try and skinny down the budget as best I can. Considering what I wrote about on Saturday, I'm not even going to venture to guess what we "should' be able to get to by January 1. I just know I will carefully think about each expense I make, decide if it is taking care of a need or at least giving optimal joy, before I plunk money down on it. Stay tuned next month to see where this fairy tale will lead.