September Goals and Life Update – I’m Ready For Fall

September Goals and Life Update

It was National Dog Day the other day, so here’s an old picture of my pup and my laptop. Some of my favorite things in life!

Hello everyone and happy Friday!

This month’s goals update is a little early, but I figured I’d get a somewhat early start and think about my goals sooner rather than later.

Even though August isn’t over yet, it has been a good month so far. Nothing really happened this month. It was a relaxing month and I’m always all for that.

I’m more excited for September though. We have two trips planned for September, and the weather will be much nicer than August. I also love fall and the clothing that goes along with it. I’m ready for boots and sweaters!

It’s been a VERY hot month for St. Louis so far.

With the heat index, the temperature has been around 110 to 120 degrees each day for much of this month. Pairing the hot weather with the disgusting humidity that St. Louis has, it means I haven’t been outside too often lately.

Because we have been experiencing sticky and disgusting weather in St. Louis lately, we have been dreaming of Colorado even more.

We are still thinking about moving there within the next few years. We want to visit some of the cities we may be interested in again in the winter months. While we love the summer months in Colorado, I’m a little afraid that I will not like the winter. Anyone from Colorado want to share their opinion of what they think of the winter months?

August Goals Update

  1. Make $13,000 in business income. PASS. I had another good month. I’m not sure yet if I will beat last month’s income, but it was a good one. Read last month’s post $14,937 in July Business Income if you haven’t yet. August’s business report will be out sometime next week.
  2. Work out 2 times a week. FAIL. This has been nonexistent. We have been eating very well though.
  3. Walk 10 miles on a trail once a week. FAIL. This has been nonexistent as well.

 

 

September Goals

  1. Make $13,000 in business income. I’m keeping this the same. We are going on two trips in September so I’m not sure what will happen.
  2. Work out 2 times a week. I just can’t get back on the workout wagon to save my life it seems like.
  3. Work on passive income ideas. One area we have really been slacking in is passive income. I want to create an action plan to jump start this. If you have passive income, what do you do? What do you recommend?
  4. Work ahead on MakingSenseofCents posts. One thing I am very bad with is writing ahead of time for posts on this blog. I would like to get at least a few weeks ahead, with one day hopefully being a month or more ahead of schedule. I do have a question for all of you – What topics would you like me to cover? Are there any products you would like me to review?
  5. Have fun at FinCon! FinCon is this month. I can’t wait! I went last year and it was well worth it. This year it’s in New Orleans so I know it will be crazy… Are you going?

 

How did you do in August? What is your main goal for September?

What are your plans for the long weekend?

 

Easy Ways I’m Currently Saving $1,200 Each Month

Easy Ways I'm Currently Saving $1,200 Each MonthLately, we’ve been trying to save as much money as we realistically can.

We’re not doing anything too crazy, but we are trying to make a few lifestyle changes so we are not frivolously wasting money that doesn’t need to be spent.

We are mainly trying to save money so that we can put a large down payment on our next home. We also want to start investing more heavily and take more trips.

We’re saving money in many other different ways besides just the ones below. However, the ones below are areas we are primarily trying to work on and they equal a total savings of around $1,200 a month right now.

 

We’re eating out less.

I’ve talked about this in the past, but I’ve never really dived into this topic too deep because I’ve been ashamed. While we are spending no where near the ridiculous amounts of money that we used to spend on going out to eat, just a few months ago we were still not doing very well.

I estimate we are currently saving around $500 a month by not eating out as much over just a few months ago.

We have been able to cut down on eating out less by eating at home as much as we can. Of course that would be the case, but it’s really been meal planning and less food waste that has really helped us cut down on our food spending.

We now shop with a grocery list and stick to the grocery list as much as we can. We have no where near the amount of food waste we used to have. I believe I once read a statistic that said the average family throws away around 40% of the food they buy.

That’s a TON of food waste!

 

We’re cleaning out our pantry.

Our pantry and cabinets are nearly bare because of this one. We have been making meals out of the food products we already had in our pantry. I was sick of our pantry continually building up more and more. We had cans and boxes of food filled in our cabinets, so I made it our mission to finally start eating everything.

I’m sure some of you are laughing at this, but I know there are a LOT of you out there who are guilty of this as well.

At one point I believe we had around 5 different packages of spaghetti noodles in our pantry. That didn’t include the other 10 different kinds of pasta noodles we had in there as well. We also had cans of vegetables and everything else in there. It was ridiculous and it seemed like it was never ending.

Now though, I believe we only have a few cans left and we actually have NO pasta left. It’s like a whole new world here!

I believe we have probably saved around $100 by doing cleaning out our pantry. Seems like a lot but we had a lot of food in there, and I’m sure you do as well.

 

We have a fuel efficient car.

Last month, we got rid of our Camaro and traded it in for a 2015 Subaru Legacy. The Legacy was more affordable and it gets twice as good gas mileage, which is amazing.

We were tired of having two cars that only got 15 miles to the gallon (our other car is a Jeep Wrangler), so we decided to trade in the Camaro.

This switch has been saving us around $350 per month already.

We are about to go on another road trip, and driving the Subaru will save us around $400 on this trip alone. That is a GREAT amount in savings.

 

We’re thinking about cutting out our cable completely.

This is one we haven’t fully done yet, but we did recently lower our cable package. We cut some channels out and were able to save $20 each month. If we were to cut it further, we could save around an extra $40 a month.

The reason why we are thinking about cutting our cable is because we hardly ever watch it now that we have Netflix. We signed up for Netflix around two months ago and haven’t really watched anything else.

This means a potential overall savings of around $50 a month from cutting our cable and adding Netflix to our lives.

 

I’m on a unexpected clothing fast.

I haven’t been trying to lower my clothing spending, it just happened. I honestly can’t even remember the last time I bought any clothing for myself. I’m going to guess that it’s been around 5 months.

I’ve been to the mall a few times, but nothing ever seems to work so I just haven’t bought anything. Also, working from home means I’ve been a little lazy when it comes to finding fun outfits to wear.

I’m going to guess that this unplanned clothing fast has saved me around $200 each month.

Oh yeah, and I also sold some clothing the other day and made $40. I plan on also donating around 6 bags full of clothing as well. WOOHOO!

 

How are you currently trying to save money?

How much money do you think you save each month?