End of October 2013 Debt Repayment Update

Photo Credit: Alan Cleaver via Compfight cc

Happy Halloween Friends! This end of October 2013 Debt Repayment Update won’t be a trick but an extra special treat because it is also my 200th post on this blog!I can’t believe I’ve published 200 posts in 10 months about……debt??? Although to be honest, more than half those posts were just me rambling on and on about other things in my life. Still, who would have thought that my debt would be such an interesting topic to write about? ;)

Remember how September was such an anti-climatic month for me because I paid off the last $805 of my credit card debt to finally be consumer debt-free but didn’t put anything towards my student loans? It was also the first month that I was unable to pay over $1000 towards my debt repayment since I started this journey back in December 2012.

Oh well. That’s just how life goes sometimes.

Good news? October was a much better month for me in terms of debt repayment!

What was different for October?

1) I received a small raise at work that was supposed to have happened in July so my first October paycheck reflected that difference.

2) I received my small quarterly GST (Goods and Service Tax) Rebate from the Canadian Government. Three cheers for windfall money, one extra cheer for it being the Canadian government giving ME back some money!

3) I finally received payment from an advertiser for a deal back in August. GRRRRR.

I think it goes without saying that every single cent went towards debt repayment.

Let’s see the numbers…

September Student Loan: – $43,490.90

End of October Student Loan: - $41,889.21

Which means I put a total of $1,601.69 towards my student loan this month! That’s almost double what I paid the last month!

For November I also wanted to set 2 non-debt related goals for myself:

J and I have noticed that our monthly grocery bill has been out of control lately but we didn’t know how out of control until we added it up and realized we spent over $660 on food for 2 people!!! That’s not even including the few times a month we go out to eat. #Thismuststopnow #PFshame

I’m going to set a goal of no more than $450 a month for groceries.

I’m also going to work out 2 times a week in my condo gym. I need to lose some weight and tone up so I can look and feel good for engagement photos and when I start shopping for a wedding dress!

Two non-debt related goals is what I will start with for now since I don’t want to over-exert myself. :P

How was your October goals? Does anyone else find it crazy that last month J and I spent over $660 on groceries for two people? Must be all of J’s fancy almond milk… :P

Image Source: Alan Cleaver via Compfight cc

75 Comments on End of October 2013 Debt Repayment Update

  1. Well Heeled BlogNo Gravatar
    October 31, 2013 at 5:21 am (6 months ago)

    Not crazy at all – we had a month where our grocery bills are $800 for two. :/ Now I’ve taken to the habit of buying most of my groceries at Whole Foods because it’s the closest grocery store to my home, and I REALLY need to rein that in.

    Congrats on the almost $2,000 toward your debt payoff!

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 10:35 am (6 months ago)

      Yikes. Whole Foods is expensive! J and I shop at a big box discount supermarket but I guess we just let it get out of control because we were buying too many groceries “on sale.” :S

      Reply
  2. Little Miss MoneyNo Gravatar
    October 31, 2013 at 5:22 am (6 months ago)

    Congrats!!! that’s an awesome amount of money :)
    I like your goals – I cut back 99.5% of my eating out expenses in the past 2 weeks, and spend about +/- 60$ on food a week now. I bulk cook on Sunday so my freezer is full at all times, and I’m never in a situation where I want to aim for ‘the easy’ solution and order something. And I noticed I lost a little weight by eating so healthy all the time! Double win! :)

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 10:56 am (6 months ago)

      Saving money on food while being healthy and losing weight is a double WIN FOR SURE! :)

      Reply
  3. Holly@ClubThriftyNo Gravatar
    October 31, 2013 at 5:39 am (6 months ago)

    Nice! Great job!
    Our finances are all over the place this month since we’re moving. I’m ready to get things back to normal next month!

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 10:59 am (6 months ago)

      I remember when J and I moved twice in 3 months. It was awful, annoying, and freaking expensive! I feel your pain Holly!

      Reply
  4. AmandaNo Gravatar
    October 31, 2013 at 5:58 am (6 months ago)

    Wow 200 posts!!! Congrats on that and the awesome progress you’re making!!

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 11:02 am (6 months ago)

      Thanks Amanda! I still can’t believe I’ve written 200 posts about…debt??? LOL

      Reply
  5. Alicia @ Financial DiffractionNo Gravatar
    October 31, 2013 at 5:59 am (6 months ago)

    That is a, um, plump, food category. There are two of us and we eat mostly fresh, whole foods (though not organic like you guys) and drink almond milk etc, and we’re at around $300, sometimes $350. I know BC is said to be more expensive, but I thought that was just for the real estate ;) In all seriousness though, imagine how good it would feel if you could get that down to $500 even.

    I didn’t make any hard and fast October goals, more of just plugging away at it. But I paid over $1000 to debt, and tucked away a bit of money in both my TFSA and a baby Emergency Fund. Overall it went well I would say.

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 11:08 am (6 months ago)

      Plump food category indeed! Wanna know the sad part? I had to give up most of my organic berries because the price was just getting too steep especially for the fall and winter season. :( I’m sickened at the thought of how much we spent on food last month so I am DETERMINED to never spend that much again for 2 people.

      Congrats on paying over $1000 towards debt and still putting money away in your TFSA and a baby Emergency Fund! PF rockstar! Maybe I missed it, but are you pregnant Alicia? Anyways, it sounds like you had a really good October! :)

      Reply
      • Alicia @ Financial DiffractionNo Gravatar
        October 31, 2013 at 1:53 pm (6 months ago)

        Haha, oh God no! I just meant “baby” as in small (Jordann used it on Making Sense of Cents last week I think). I sure hope I am not pregnant at least.

        Reply
  6. Stefanie @ The Broke and Beautiful LifeNo Gravatar
    October 31, 2013 at 6:29 am (6 months ago)

    Congrats! I wouldn’t stress too much about the grocery bill. You can find a couple of places to cut back, I always recommend having a few vegetarian meals each week. Not just because I’m a vegetarian, but because replacing some meat dishes with grains and beans can make a big difference in your budget.

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 11:15 am (6 months ago)

      Funny you should say this because J and I are having a tofu dish for dinner tonight! :)

      Reply
  7. Michelle's Finance JournalNo Gravatar
    October 31, 2013 at 6:35 am (6 months ago)

    Congrats~ You’re really taking control of your debt situation. Good luck on your non-debt goals as well. Will you be posting your engagement photos once you get them?

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 11:18 am (6 months ago)

      It depends if I go to the gym twice a week or more and lose enough weight to show pictures online. ;)

      Reply
  8. Grown-Up Thrift GirlNo Gravatar
    October 31, 2013 at 6:52 am (6 months ago)

    GMD Awesome October!!! So proud of you for throwing all that extra income towards your loan. Bet it felt great! Just so you know – my family of the 2 of us plus my 5-year-old son is usually able to stick to a budget of $600 per month for groceries and personal care… if that gives you a reference. We also have a Restaurant budget of $200 or $250/month which is mostly take-out and includes ANY restaurant stop, Tim Hortons etc. I know you don’t technically create a budget but one tip I will give you is that if you are going with $450/month, divide it by the number of grocery trips you will make (once a week?) and look at it one week at a time. i.e. every time you go think okay I can spend $100 on this trip. I find that makes it easier or else you can wind up going way over your first couple of weeks and making it impossible to stick to for the last half of the month.

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 11:21 am (6 months ago)

      Thanks Kelly, it does feel great! :) J and I actually go grocery shopping once a week so we will be dividing that $450 by 4 which gives us about $100-$110 to spend on food weekly. Wish us luck!

      Reply
  9. annaNo Gravatar
    October 31, 2013 at 7:30 am (6 months ago)

    Woo hoo for your raise and impressive debt repayment – awesome job, GMD!! We probably average around $600 for us, as well, even without going out… it can be challenging for quality food, though I admit that I don’t research it enough to get the best deals. YAY for the fitness goal – you are beautiful regardless, but love fitness-related goals! Best wishes, you got this!! :D

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 11:27 am (6 months ago)

      Thanks Anna, I was pretty stoked about the raise too. :D Not so stoked about the fitness goal but I got this! ;)

      Reply
  10. Hayley @ A Disease Called DebtNo Gravatar
    October 31, 2013 at 7:40 am (6 months ago)

    Congratulations on your 200th post! Wow, that’s fantastic debt repayment progress GMD! That’s made a huge impact to your student loan! :) We used to spend loads on groceries and could never figure out why until we tracked our spending. We couldn’t believe how much we were going to the supermarket for ‘top up’ shops! I’m sure you’ll be able to stick to your new grocery budget and I look forward to reading your progress! Good luck with tackling the gym! :)

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 11:34 am (6 months ago)

      Thanks Hayley! I actually did notice the dip in my student loans this month now that I only have one debt to pay. J and I never do ‘top-up’ shops so I’m actually quite surprised how much we spent but I’m not going to dwell on it too much. I’m sure once we both put our minds to it, the grocery budget will stay below $450/month. I’m going to need all the luck I can get with the gym goal hehe.

      Reply
  11. Dear DebtNo Gravatar
    October 31, 2013 at 7:52 am (6 months ago)

    Great job with the debt repayment and your 200th post! Wow, such an inspiration. My spending this month was scary! I think the groceries are a bit high, but I think you guys can cut back without going overboard. Sometimes you need to spend more to get quality food or spices! Good luck with the goals and let’s motivate each other for next month :)

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 11:42 am (6 months ago)

      Thanks M! I think J and I can cut back as well without sacrificing the quality of food we buy. We just have to be more weary of the quantity. I’m on board with motivating each other to knock our November goals out of the park! :)

      Reply
  12. Debt BLAGNo Gravatar
    October 31, 2013 at 8:12 am (6 months ago)

    That’s a huge chunk out of your student loans this month. Congrats!

    I’d say that technically the grocery thing is sorta part of debt, since it’ll leave with more to send in that direction :)

    $660 is far from crazy, but there are probably some easy things you can cut out. I get my almond milk using subscribe and save from Amazon. Is that something you have an option for in Canada? This one ends up being $13 for the six-pack because of the 15% discount http://amzn.to/17v4zJP

    (But I’ve actually switched to almond-coconut now…)

    I’m not a vegetarian, but I cook very little meat at home and only then, buy a pretty small amount. Mostly, I’ll make my entrees out of beans, tofu, sometimes nuts or lentils, because they’re cheaper and last longer. A lot of my spending used to go to waste, actually. Now, I only buy tiny amounts of meat to add a little flavor to the beans/tofu rather than making it the star of the show. And, on those infrequent times I eat outside of the house, I still manage to get a ton of meat in me.

    Anyhow, good luck! :)

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 11:57 am (6 months ago)

      Thanks M. I could never become a vegetarian and even though J and I don’t eat that much meat, we could certainly benefit (health and money wise) from eating more tofu/beans/nuts/lentils, NOT MEAT diet :)

      Reply
  13. Budget and the BeachNo Gravatar
    October 31, 2013 at 8:17 am (6 months ago)

    My grocery bill is always ridiculous, but I sort of justify it by never eating out…well hardly ever. Fincon was a pretty big budget killer for me this month. I’m hunkering down for the rest of the year. Luckily freelance work is picking up again.

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 11:59 am (6 months ago)

      J and I justify our higher than average grocery bill by not eating out ever either but $660 is much to high. *Sigh* Congrats on the freelance work picking up for you!

      Reply
  14. FinanceQANo Gravatar
    October 31, 2013 at 9:26 am (6 months ago)

    Congrats on your raise and paying over $1500 towards your debt. Nice catch by finding that your grocery bill was costing you extra money too.
    I’m not sure if you considered this but you could also try juicing if you are trying to lose some weight. I lost 15 lbs in 2 weeks by juicing fruits and veggies (80% veggies, 20% fruits)

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 12:01 pm (6 months ago)

      Paying pver $1500 towards debt this month did feel particularly good since I only paid $805 last month. Now I just need to keep up the momentum and keep grocery cost down!

      Reply
  15. TKNo Gravatar
    October 31, 2013 at 9:34 am (6 months ago)

    Whoa! $660 on groceries! I’m one person and I set a goal to spend no more than $100 (I failed, I came close to $200 again). I have to change that goal, because I’m starting to think $100 might be unrealistic for my lifestyle. It’s amazing how fast the cost goes up, especially if you are picky about the brands you buy.

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 12:02 pm (6 months ago)

      $200 for one person is still amazing TK! I need to learn from you! :)

      Reply
  16. Newlyweds on a BudgetNo Gravatar
    October 31, 2013 at 9:40 am (6 months ago)

    my husband and i easily spend $500 a month in groceries and I won’t even admit what we spent this last month. this past year we’ve focused more on eating as organic as possible and so our bill has gone up from the $350 we used to spend when we just bought a bunch of processed crap. i’m limiting myself now to $100 a week, and that leaves an extra $25 for those unexpected expenses.

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 12:03 pm (6 months ago)

      J and I have tried to eat more clean this year as well which has resulted in a higher bill for groceries but $660 is too much! I’m going to make certain that we still eat just as clean for only $450 a month. :)

      Reply
  17. Done by FortyNo Gravatar
    October 31, 2013 at 12:13 pm (6 months ago)

    I completely agree that the almond milk is to blame. Though it is yummy.

    I think your $450 per month goal is attainable and you might be able to ratchet it down quite a bit from there, while still having healthy meals. I’m no expert, but I see other PF bloggers putting numbers out there in the neighborhood of $100 – $150 per person or less.

    I’ve been bad about working out (not counting my sports) so I’ll join you in your goal. Twice a month in a genuine, non-kickball, non-ultimate frisbee workout a week. That’ll put me up at 4 times per week total, at least.

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 12:58 pm (6 months ago)

      I KNEW someone would agree with me on the almond milk! :P

      $100-150 per person for one month seems unreal! But definately worth trying if I can get our food budget comfortably under $450/month/2 people. One goal at a time for this Girl! LOL

      2X a week doesn’t sound difficult but I have a feeling I might fail since my days are long – I wake up at 6am and don’t get home from work until 6:15pm at the earliest. But no excuses. I will achieve my goals! :)

      Reply
  18. NicoNo Gravatar
    October 31, 2013 at 1:07 pm (6 months ago)

    I totally hear you on the groceries! We were spending $6-700 for two people as well. A closer look revealed we were overbuying and losing some to spoilage. We also were ignoring the vast reserves of food we already have in our freezers and pantry. We trimmed our budget to $325 for October. We plan to clean out our pantry and freezer in Nov, which should allow us to spend only $100 for lunch meat, bread, milk & produce in November.

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 1:16 pm (6 months ago)

      Overbuying and losing some to spoilage was definately a problem for us last month. That’s awesome that you were able to trim it down to $325 for October. Definately an inspiration! :)

      Reply
  19. E.M.No Gravatar
    October 31, 2013 at 1:46 pm (6 months ago)

    You are rocking it girl! Way to put all that money toward your debt, and congrats on 200 posts! While your grocery budget may have gone a bit overboard by your standards, I am sure you and J will have no issues reining it in. Sometimes these things happen for a reason – so you learn from it and make adjustments next time. I need to get R’s half of spending for the total picture, as he has been buying a bit more of the food lately.

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 2:54 pm (6 months ago)

      Thanks E.M. I’m sure J and I will have no issues reining in our grocery spending but I was just shocked when we added it all up!

      Reply
  20. Eva @ Girl Counting PenniesNo Gravatar
    October 31, 2013 at 2:14 pm (6 months ago)

    I am not sure what I am more excited about: your debt repayment update (I am a huge fan of those, end of the month is truly my favourite time) or your engagement photos! :P I just hope you will share the photos with us at some point! Well done on your debt repayment and congrats on a raise at work AND your 200th post! This is the most positive and exciting post I’ve read in a little while! :P

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 2:56 pm (6 months ago)

      If I look good in my engagement photos then I will definately share a few. ;) Debt repayment, raise, and 200 post is a lot to celebrate in one post so I’m not complaining. :) I always enjoy reading your end of month updates as well since you are so POSITIVE about everything which is awesome Eva!

      Reply
  21. kathrynNo Gravatar
    October 31, 2013 at 2:54 pm (6 months ago)

    Wow, $660 a month for food is a lot. Have you considered making your own almond milk…or cutting down..or finding a cheaper brand? My husband and I split our time between Australia and Canada. We are in Australia now, and we have kept track of our grocery and ‘take out/restaurant’ expenses. We travel in our camper van, so don’t have a lot of pantry room, and housesit on occassion (we still eat from our pantry) In the past 41 days we have spent $244.12 for food, and $170.40 for take out/restaurant. We eat like we always do. That averages out to $10.11 a day or $70.77 a week…for 2 people. I can’t imagine spending $450 a month on food, let alone $660.

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 3:02 pm (6 months ago)

      I think it’s awesome you and your husband spend such a low amount on food. J and I are “foodies” so I know our food budget is probably higher than the average couple but we are working dilegently in cutting it down to $450/month which was our “average” for most months.

      Reply
  22. JanineNo Gravatar
    October 31, 2013 at 3:22 pm (6 months ago)

    Congrats on the debt progress and 200 posts – both are awesome! I noticed our grocery bills have been out of control lately as well. We’re around the $600 mark as well which is ludicrous. I think $450 – $500 is a good range. Definitely going to try and bring mine down this month!

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 3:52 pm (6 months ago)

      Thanks for commenting Janine! That grocery budget can get so out of control so easily, it’s crazy!

      Reply
  23. RooNo Gravatar
    October 31, 2013 at 4:07 pm (6 months ago)

    I agree that $600 is a lot for 2 people! I spend about $250 – $300 a month for 2 people, and I think my most expensive items are frozen blueberries (I drink a lot of smoothies!) and protein (usually salmon or beef). However, I spend about the same amount eating out…I try not to beat myself about this too much because I’ll really proud of my student debt repayment ($15k in 18 months), but it’s still something I am working on. My goal is to pay back all of student loans in the next 18 months!

    Thanks for this post! I love how candid you are (that’s why I love this blog, too)!

    Reply
    • Girl Meets DebtNo Gravatar
      October 31, 2013 at 4:12 pm (6 months ago)

      Thanks for commenting Roo! $15K in 18 months is amazing! Keep up that great momentum and I’m sure you will have the rest of it paid off in the next 18 months! :)

      Reply
  24. CassieNo Gravatar
    October 31, 2013 at 4:51 pm (6 months ago)

    Congratulations on putting another solid chunk on your student loans! That balance is going to start coming down at a healthy clip with only one debt now :)

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 9:10 am (6 months ago)

      Only one debt to pay is really going to get the snowball rolling now! :)

      Reply
  25. Debt HaterNo Gravatar
    October 31, 2013 at 4:55 pm (6 months ago)

    Great job on putting over $1,600 towards your loans this month, that’s a huge amount. That raise you got should help in the future payments as well.

    Hopefully you guys can get that food budget down, even if you just bring it down from $600 a month to closer to $500 that would be awesome, I would think $250 per person would be pretty reasonable.

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 9:11 am (6 months ago)

      $250 per person is more than reasonable. J and I just need to stop being so silly!

      Reply
  26. RebeccaNo Gravatar
    October 31, 2013 at 5:15 pm (6 months ago)

    Great job on your over $1,600 payment on your student loans! I’m stepping up my payments this coming month, but last month I was able to pay a good bit extra. Hopefully more freelancing and babysitting comes my way to make the amount I pay jump!

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 9:14 am (6 months ago)

      I hope more freelancing and babysitting comes your way too Rebecca! :)

      Reply
  27. LiquidNo Gravatar
    October 31, 2013 at 6:15 pm (6 months ago)

    I heard almond milk is really good for you, but not sure if the health benefits are worth the price tag. Similar deal with coconut water. Something about electrolites :? I’ll stick with regular water for now. Congrats on paying down so much of your student loans this month (^_^) There’s a good chance you’re saving more than half your income right now, especially with your new raise, which is very impressive and not something that’s easy to do. It’s inspiring to have watched you get out of consumer debt so quickly :D If you keep up this pace you’ll be completely debt free by the end of 2015 I’m sure. My October went well. The stock markets are at all time highs. We may see a small correction some time next month though :-|

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 9:17 am (6 months ago)

      I’m not so bought on the health benefits of almond milk either but J drinks that stuff like no tomorrow lol. I don’t actually like the taste of coconut water, but I love coconut juice! Not the same electolites health benefits though! :P I highly doubt I will be debt free by end of 2015, maybe 2016, but stranger things have happened! :)

      Reply
  28. Kali @ CommonSenseMillennialNo Gravatar
    October 31, 2013 at 6:28 pm (6 months ago)

    You are killing those loans! That is awesome to have put $1600 toward debt in a single month! As always, you motivate and inspire me. I need to sit down and take a look at our budget and see what else I can squeeze out of it for savings. Thanks for sharing and again, congrats on such awesome progress!

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 9:21 am (6 months ago)

      Thanks Kali! It means a lot to me to know that I motivate and inspire other bloggers. :) You are doing such a great job with your blog too!

      Reply
  29. Laurie @thefrugalfarmerNo Gravatar
    November 1, 2013 at 4:33 am (6 months ago)

    Big congrats on the raise, GMD! I know what you mean about the grocery bill – ours was super out of hand when we weren’t tracking too. But I know you guys can reign it in. With two PF superheros in the family, you can’t lose. :-)

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 9:22 am (6 months ago)

      Hehe you would be suprised by how much we lose with two PF superheroes in the same household! :P

      Reply
  30. CaitNo Gravatar
    November 1, 2013 at 4:54 am (6 months ago)

    Great progress and I like your November goals, hun! Shop the food item sales, make some batch meals and I’m sure you guys will meet the grocery budget goal no problem :)

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 9:23 am (6 months ago)

      Thanks Cait! Which reminds me that I need to check out your fancy condo gym and yoga room sometime soon too! ;)

      Reply
  31. MichelleNo Gravatar
    November 1, 2013 at 7:38 am (6 months ago)

    Totally hear you on that insane grocery bill. We’ve had $400 or $500 months for food. We stopped shopping for an entire week and started shopping for 1 or 2 days at a time. That way, we dont plan ahead just to get thrown off by changes of schedule or someone not wanting to eat what was on the meal plan. We also only stock up our fridge with necessities rather than things we think we should have around just in case. Seriously, people walk in our kitchen and ask what in the world we eat!

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 9:24 am (6 months ago)

      That’s an interesting way to cut your grocery bill but I’m happy to hear it’s working for you Michelle! :)

      Reply
  32. SteveNo Gravatar
    November 1, 2013 at 10:13 am (6 months ago)

    I think your post gave me the motivation to go get our grocery tracking up to date. I’ve slacked off and haven’t tracked it in weeks. Needless to say, I think we average something around $500~$600 a month! :O

    And congrats on the big student loan payment for the month! Those big payments always feel good.

    And dem GST/HST cheques… love them! But I get a feeling I won’t be getting them anymore after this year :(

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 11:07 am (6 months ago)

      Groceries just gets so out of hand easily eh?

      Maybe I should be envious of you for having an income level where you no longer recieve dem GST/HST :P

      Reply
  33. Grayson @ Debt RoundupNo Gravatar
    November 1, 2013 at 12:03 pm (6 months ago)

    Nice work GMD! You are doing an awesome job and I wish you continued success. October was a good month for me. I brought in some nice extra income and didn’t pay much out, so it was good. Hopefully November is just as good!

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 1:42 pm (6 months ago)

      Bringing in extra and not paying out much is a wonderful feeling. Hopefully November continues to be good for both of us. :)

      Reply
  34. Blair@LifeDollarsandSenseNo Gravatar
    November 1, 2013 at 1:56 pm (6 months ago)

    Congrats on the over $1k pay down this month! That is awesome. I fell short of that this month, but we have good months and bad, just have to stay focused.

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 2:21 pm (6 months ago)

      I fell short of $1k in September. You are so right about staying focus despite the good and bad months.

      Reply
  35. Stephanie @ Six Figures UnderNo Gravatar
    November 1, 2013 at 3:45 pm (6 months ago)

    Congrats on your big pay down in October and on your 200th post! And congrats of the raise a while back!

    The grocery category is actually one area I feel I have a pretty good handle on. I usually only shop once or twice a month, then cook most things from scratch. My normal grocery budget is $300 for our family of 5, but in October we spent less than $200!

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 4:21 pm (6 months ago)

      Wow. $300 for a family of 5 is AH-MAZING!!! I need to learn a thing or two from you Stephanie!

      Reply
  36. Cat Alford (@BudgetBlonde)No Gravatar
    November 1, 2013 at 6:05 pm (6 months ago)

    I am just as guilty for spending that much on food girl!!! So count me in to the #pffail club haha. Congrats on the debt repayment. You are amazzzzing!

    Reply
    • Girl Meets DebtNo Gravatar
      November 1, 2013 at 8:31 pm (6 months ago)

      Thanks pretty Cat. I feel like I’m the president of the #PFfail club :P

      Reply
  37. Lisa E. @ Lisa Vs. The LoansNo Gravatar
    November 5, 2013 at 12:43 pm (6 months ago)

    Whoa, awesome progress on your debt! I love when I get money from my government. Good luck on your two non-debt goals! Working out twice a week is very reasonable.

    Reply
    • Girl Meets DebtNo Gravatar
      November 5, 2013 at 1:45 pm (6 months ago)

      Working out twice a week sounds reasonable but my downfall is I’m kinda lazy :P

      Reply

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