September was Financially Better than Expected

    

     September was much more positive than I thought it was going to be. Our Visa bill contained  several months of insurance, a car repair, final move in items for DD2, and the biggie, her lap top. Still we managed to put $1200 cash into savings and knocked off some of the weekend costs.

College                                     $21,000

Show Choir Trips                      $ 1,970

Graduation Party                       $   900

Move In Weekend                     $   175

Parents Weekend                      $   175

Choir Concert Trips                   $   350

Home Improvements                 $ 5,430

Total                                          $30,000 

     DH had a better average September, and we not only cash flowed the Visa, which I was nervous about, we made a decent cash deposit. $570 was the result of getting $500 cash back in Visa rewards and the other $70 for our Met life dividend. Still $630 from regular cash flow when I thought there was risk of having to cover the Visa with savings is a good win in my mind. 

($0)  Borrowed from Savings

$ 6,900  Cash Deposit

$ 2,910  Show Choir Trip #1,#2, #3 + Nashville (we are over in this category by $940)

$    100  College Deposit

$    175  Parents weekend (though probably overspent on this in eating out and entertainment_

$8,600   Home Improvement (Over in this category by $3,170)

 $18,685  Net Result 

     To meet the $30,0000 goal, we must save $11,315, or on average $3,772 a month. Yikes-that would mean living off my paycheck alone. Good practice I guess for when DH retires, but quite a stretch. I have to remember that we intentionally overspent in our home improvements by $3,170, so from our original plan, an average save rate of $2,515 seems much more doable, but I sure would like to see real savings!