Debt Management, Relief & Consolidation

Hope’s Planned Spending – October, 2024


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I have been “forecasting” for years. It’s my way of budgeting and planning. My kids also use this method.

Here is my planned spending for next month. Praying there are no surprises because I am planning to the last penny especially with Princess’ wisdom teeth surgery this coming month.

10-01-2024 Groceries / Hygiene / Dogs / Gas -500
10-01-2024 Full time income – varies 11950
10-03-2024 Auto Insurance -930
10-03-2024 Mortgage -1015
10-03-2024 Investment Acct -350
10-03-2024 EF Savings -790
10-03-2024 Travel Savings -500
10-04-2024 City Utilities – varies -150
10-05-2024 Princess rent -750
10-07-2024 Return from Texas -200
10-09-2024 Electric – varies -250
10-10-2024 Part time Income – varies 240
10-10-2024 Meds for Dogs -425 (est)
10-14-2024 Princess surgery -3610
10-14-2024 Verizon -350
10-20-2024 Kids Contributions 400
10-26-2024 Windstream -71
10-27-2024 Twins Birthday -200
Taxes, SS, Medicare (30%) -2550

I will pay off the Frontier card this month. And savings continues. And I will figure out this month how my new income is going to affect my taxes and self employment related costs. So that number may be affected significantly once I run some analysis.

It’s also the twins’ birthday month! Last year I could do almost nothing. While I will stick to my budget, I do plan to try to come up with something pretty cool for their birthday. Ideas?

With the dogs being boarded next month for our Thanksgiving trip to Texas, I must make sure they are up to date on everything specifically Bordatella, etc to prevent kennel cough.  Not sure on cost, but I figured this amount should be plenty.

The kids’ contributions have been adjusted based on Paying Back Gymnast AND I anticipate that Beauty will have a plan for moving out and no longer be paying rent. (That’s not firm at this point, but it’s a definite possibility so I am planning accordingly.) Their remaining payments are their phone payments (the Verizon bill).

 

Update on 9/16: I wrote this post at the beginning of the month. And then all sorts of things changed. So I’m publishing it as planned, but there will be revised version going up by the end of the month that will be a more accurate plan. Lots of moving parts and decisions being made.

 





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