Happy December Friends! I’m really excited about November’s update because I ended up putting more towards my debt repayment than anticipated. Don’t you love it when that happens? So how did I do it?Procrastination of course! (Bet you weren’t expecting that answer ;))
Let me explain…
For November, I had hope to have finished or at least freaking start my Christmas shopping but since that didn’t happen, I had all this extra money left over at the end of the month that I just put towards debt repayment.
Who said procrastination was a bad thing?
I’m a strange Girl in that I don’t like to keep any money in my chequing account at the end of each pay period. If there’s anything left in my account the night before I get paid next morning, I transfer it all towards debt repayment so that my account is at $0. I guess this is kinda/sorta like zero-based budgeting, aggressive debt repayment, GMD style.
Don’t worry, I will have money next month for the Christmas presents!
Now let’s see the numbers for this month…
October Student Loan: – $41,889.21
End of November Student Loan: - $40,397.53
Which means I put a total of $1,491.68 towards my student loans for November!
I’m probably going to jinx myself but since I like to live life on the PF edge, I’m going to say that I’m on track to reaching my goal of being under the $40,000 debt mark by the end of 2013!!! I only have to put a minimum of $400 in December for that to happen. Remember when I started this journey not even a year ago and I was $57,458.94 in the red??? Sometimes I have to pinch myself to make sure I’m not dreaming and wake up to find myself with almost $58,000 of debt again.
I also had 2 non-debt-related goals in November and they were to spend no more than $450 a month for groceries. PASS (Barely). This goal was much more difficult than I had anticipated but J and I are just happy we didn’t spend over $660 on groceries like we did in October.
I was also supposed to work out 2 times a week in my condo gym. FAIL(ish) I was doing so well for the first 3 weeks and then that dreaded one week came and I think all you ladies know what I’m referring to. I just felt so blah but that’s still no excuse. December probably won’t be the best month for working out and losing weight but I will do my best to do something active everyday.
For my December non-debt-related goals/plans I want to:
- Go see the bright twinkling Christmas lights at Stanley Park and VanDusen Botanical Gardens here in Vancouver
- Have a frugal, sugar-filled, nostalgic date night making gingerbread houses
- Keep my Christmas budget under $500
- Spend no more than $450 a month on groceries
- Not gain any weight over the holidays but I’m realistic in knowing I probably won’t lose any weight either
- Finish Sophie Kinsella’s Wedding Night novel – I’ve been reading it forever
I hope you all had a great November and I can’t wait for December fun! Oh ya did I forget to mention that my One Year Blogiversary is coming up next week? Girl Meets Debt will finally reach that one year milestone. Be on the look out for a super cool giveaway for one lucky GMD reader.
Image Source: Alan Cleaver via Compfight cc