Settling In and Moving On: October Spending

Well, October was a big month. Here’s what went out and what came in!

Gifts: 1090

Selling stuff: $300

Support: 733

Wages: 1850.78

Total income: $3973.78

Rent plus security deposits and fees: $1349.52

Water: 27.70

Mortgage: 837.67

House and carpet cleaning: $230

Laundry card: $20

Renter’s insurance and moving costs: $93.20

Ting: $30. 99

Charity internet: $9.95 (WOW this is nice! I was paying $80 just for internet at the house. Evidently there is a $13 credit left on the account but I told the XFP he could keep it in exchange for continued use of his Netflix password.)

Total housing, bills, and utilities: $2599.03

Groceries: $326.06 (This seems high for me and half the boys’ dinners.)

Wine: $19.41

Total In-Home Food: $345.37

Gas: $43.38

Parking: $6 (for one job interview and my divorce hearing)

Total Transportation: $49.39

Kids miscellany: $34.50

Kids clothes: $43.50

Field trip: $7

Work-related babysitting: $128 (Ouch! I took a couple of not-very-profitable library shifts.)

Total kids: $213

Adult health: $38.28 (Got my cholesterol checked to win cash incentive at work)

Restaurants: $43.29 (mostly because I ordered pizza when I moved)

Coffee shops and snacks: $40.26

Frippery: $0 (I point this out because I feel a frippery purchase or two coming on)

Total pure luxury: $83.55

Dollar Shave Club: $6

Adult clothes: $45.32

Books: $6.46

Home supplies and furnishings: $184.55

Packing tape: $6.08

Bike supplies: 30.67

Child care pass at gym: $15

Cat food and litter: 39.90

ATM fees: $3

Total of shopping and miscellaneous whatnot: $336.98

Total spending: $3665.60

Analysis

I’m really satisfied with this month. It looks like I finished the month with only a few hundred dollars to spare even after receiving gifts and other support, but that’s only sort of true. I had actually already budgeted more than half the amount I needed for rent from previous months. So at the end of the month, I was actually able to make some pretty generous savings allocations. $500 more for my lawyer. (She was going to send me a final bill, but I asked her to open my tab back up–more on that below.) $500 to start a new emergency fund. Couple hundred to save up for my car insurance.

And, of course, I had unusual expenses this month. I think I showed a lot of home-furnishing restraint, but it’s not like I usually spend $65 on bedding. (How rarely do I do this? Well, never. I can’t remember ever previously owning a bedspread that was not a present from my grandmother, and the one I was using was circa 1994.) Or $230 on professional cleaning. (Empty house looked gross after I moved out.)

This big deal, of course, is that I paid both rent AND my half of the mortgage. With any luck, I will never have to do that again. See, the house sat and sat and sat on the market, going in and out of three different contracts, and in that time the XFP’s position changed. He is getting married again, and I am sure you all join me in wishing him and his fiancee the very best. The fiancee (I’ll need to think of some letters for her) has two boys of her own even smaller than Big Brother and Little Brother. They will need a larger abode than the XFP’s two-bedroom apartment, and it seemed quite logical for them to simply move back into the house the XFP already owns half of. My lawyer is working on an agreement for us, they will refinance and cash me out, and we won’t lose five figures of the proceeds to real estate commission. Win-win. (The XFP also just replaced his Fit with a Honda Odyssey. I may have LOLed.)

I see some areas to cut (my mocha habit, for one, and groceries seem on the high side considering I only have the kids half the time), but mostly things seem to be under control. So I finished the month feeling reasonably financially secure, not to mention very snug in my new place. I love the sound made by my new teakettle and the little hooks where I hang my unreasonable number of mugs. I am finally happy with the arrangement of my furniture (no more aggressively electronic entertainment center) and am making modest progress toward hanging things on the wall.

And… people were generous with me. Old acquaintances reached out with comforting words. Friends offered concrete help. My “internet stranger” friends flooded me with kind words. My family sent a generous check that allowed me to start some savings. It is wonderful to feel that so many people care about me and my story. Thank you.

How was your October? Do you find yourself, like me, heading into the holiday season with a feeling of abundance and well-being?

 

 

 

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About frugalparagon

I'm a part-time librarian and mom to two small boys. I blog about striving for the long-term goal of financial independence while running a tight ship at home.

4 responses to “Settling In and Moving On: October Spending”

  1. Hayley says :

    Hi I am a longtime lurker on your blog, have always been impressed with your frugality but am now just want to reach out with (hopefully not creepy) random internet person good wishes. You got this! Looking forward to more posts.

  2. ChooseBetterLife says :

    Wow, lots of new developments since I came by last. It sounds like there’s finally a good, solid plan for the house, separating your finances, and moving forward. Best wishes to you and your boys.
    The best line of your whole post: no more aggressively electronic entertainment center.
    Right? What about a nice bookshelf and (maybe) a laptop 🙂

    • frugalparagon says :

      LOL. I still have just the TV but it is propped on my dresser and I am just going to hook up laptop speakers instead of having the whole big glass entertainment center and speakers on stands and the giant receiver and whatnot (all of which came from the basement of the house, and is probably going back there to live with the XFP again).I have the DVD player in a closet and can get it out when I need it. Makes the room seem much friendlier.

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