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October Goals and Life Update

Last Updated: BY Michelle Schroeder-Gardner - 79 Comments

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October Goals and Life Update

I can’t wait until later this year when I get to go back here!

Hey everyone! I hope everyone is having a great week. On Tuesday, I published my September Side Income and Self-Employment Update. September was a great month!

September was good all around. Income was good. We met our financial goals. Life with student loans is still going great. Family and friends are well too. And my best friend got married.

We have been thinking about a lot of trips that we want to take. We are going to go back to St. Thomas at the end of this year, and we also want to go on a road trip. Going to Colorado in the winter time and going skiing would be fun too. I’ve never been skiing! Do you have any travel plans?

My wedding dress came in a couple of weekends ago. I picked it up and I no longer have wedding dress regret. I posted a picture of me in the dress once it came in, but I deleted it the other day just in case W saw it. I honestly don’t care if he sees it, but a lot of people are telling me that I’ll regret it. Oh well!

A lot of different things happened in September, and October is and will be a life-changing month for the both of us. I’m trying to keep things a secret for now so that nothing bad happens from me being too public.

One secret is that W is going back to school starting in January. He’s going back for a science degree. There’s a really good program here with tons of jobs available that we know he would be passionate about. So, if any of you have tips for someone going to college when they are an adult and not fresh out of high school, please leave them below!

September Goals Update

  1. Keep our food budget under $450. PASS. We did pretty well with our food budget. We ate in a lot. We really can’t stand going out to eat anymore. I guess that’s what happens when you spend all of your money going out to eat and can’t stand the food any longer. Food at home is just so much better.
  2. Create a meal plan. FAIL. I didn’t make a single meal plan. We probably could have saved a little bit more money if we would have had a meal plan.
  3. Do more free activities. PASS. We did really well with this! We have been riding our bikes and have never been happier.
  4. Fully fund our emergency fund. PASS! I made a post on Diversified Finances about this. Self-employment life will be so much easier with a fully funded EF.
  5. Run 20 miles each week and lose weight.  FAIL. I have been extremely unmotivated.
  6. Make an extra $10,000 this month. PASS. I made over $12K last month in business income. My best month ever!

October Goals and Life Update

  1. Jump out of an airplane. I have been really wanting to go skydiving. October will be the month! Or at least I hope so.
  2. Start looking into getting my pilot’s license.  My dad had his pilot’s license, and when we were little he would take us out on short day trips on small planes. It was a lot of fun. I know that if he were still alive that he would love for me to do this.
  3. Keep our food budget under $400 and meal plan. I have slightly decreased our food budget since I will be making the switch to self-employment VERY soon.
  4. Make an extra $10,000 this month. This is of course before taxes, and I think it is possible. With self-employment being so close, I will have so much more time to add even more clients and projects to my business.
  5. Publish a post on my last day of work. Yup, I just said it. It will have to be a surprise until then 🙂

 

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

 

 

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About Michelle Schroeder-Gardner

Michelle is the founder of Making Sense of Cents, a blog about personal finance and traveling. She discusses how her business has evolved in her side income series. She paid off $40,000 in student loans by the age of 24 mainly due to her freelancing side hustles. Click here to learn more about starting a blog!

Comments

  1. Charles@gettingarichlife says

    Now that I got married I am extremely unmotivated to keep exercising. I am failing big time in that department.
    As a freelancer do you incorporate your income?

    Reply

  3. Amber @ Steps to Save says

    I did pretty good this last month. I got my website up and running and am now trying to fill it with quality content.

    I really need to list at least 15-20 items on Ebay so that is one of my goals as well as having a yard sale next week. Both are easy ways to make extra money.

    I’m hoping to get some guest posts in for October, go hiking, and like you consistently run/walk 5 days a week.. Hope you have a wonderful day!

    Reply

  4. Brian @ Luke1428 says

    My wife just went back to school to earn her CPA license and get an MBA. It took nearly three years of her life, working full time as well, to accomplish that feat. My biggest suggestion would be for you to be as supportive and helpful as possible. I basically had to take over all kid and house duties for this time period because she would come home from work and spend 4 hours a night studying. It was extremely difficult but we stuck together through the tough times and are now about to reap the benefits, as she will be completely finished next Friday.

    Reply

  5. DC @ Young Adult Money says

    Yeah I’m not sure I could go skydiving. Well, I could do it I’m just not sure how much I’d enjoy it haha. I would like to take that trip to Costa Rica in the Spring, but also want to be smart about money so I’m cautious about it at this point. I guess we’ll have to see how well Q4 goes.

    Hope you have a great weekend!

    Reply

  6. Matt Becker says

    I love skiing! I haven’t been anywhere near as often as I would like, mostly because of the cost, but it’s so much fun. I’ve never been out West to do it but that’s definitely on my bucket list. Oh, and I definitely saw my wife’s wedding dress before we got married and it certainly didn’t ruin anything. Your call, but I wouldn’t stress it too much.

    Reply

  9. Simon @ Modest Money says

    Holy Cow, Skydiving! Am sure its somewhere in my bucket list and am hoping i don’t cross it anytime soon 🙂
    September was awesome…Had a nice bump in side-hustle income and am definitely looking forward to maintaining and improving on that the coming months. That and staying in shape!

    Reply

  15. Tammy R says

    Michelle, I am so happy for W going back to school into a field in which he feels passion! I tell my students that I am going to be a scientist when I grow up! I just received my master’s degree at the ripe old age of 40, so my advice to him would be, Do it for the learning! Read with passion and discuss his learning with you. When I read something particularly interesting, like the book Blaming the Victim, during my studies, CJ and I had so many wonderful conversations about it.

    And pishaw to W seeing your wedding dress and you regretting it. If you want to show him, show him. My grandmother was sick and my mom caring for her, so CJ went with me to pick out my dress. We are happier than we’ve ever been and are celebrating our 16th anniversary! Advice from a happily married person: Do what YOU and W want! You will love your life much more! So happy for all of your successes!!!

    Reply

  20. Island Girl @Practical Cents says

    I went to college as an adult. I was 22 and working full time. It was hard but I found many others like me and even older and that was encouraging. St. Thomas looks beautiful and it’s a neighbor of my Island so I’m sure it is beautiful in person as well.

    Reply

    • Michelle says

      Good to hear! I was of course an adult when I was in college and working full-time, but I never took a long break. I’m hoping he can get into the routine 🙂

      Reply

  21. Jaclyn says

    I want to shriek like a middle schooler thinking how exciting this month will be for you. Can’t wait to read about your last day of work! P.S. voted for you – good luck and congrats for being nominated!

    Reply

  22. Shannon @ The Heavy Purse says

    My father had his pilot’s license too. Occasionally he would fly me to Catalina for lunch, which is an extreme indulgence, but now that he is gone – I really cherish those memories. My husband did a tandem skydive years ago but unfortunately I was unable to join him as I was pregnant at the time. But it is something I’ve always wanted to do too. Looks like you had another great month and I have no doubt October will be even better. Have a great weekend!

    Reply

  23. Kristin says

    At the end of the year, my boyfriend and I are going backpacking around South East Asia for 5 weeks. It will be my first time away from home for Christmas, my first time travelling internationally with a significant other, and my first time truly backpacking! I’m really excited, but a little sad that I’ll be missing my favorite holiday. Best of luck on all your October goals. Skydiving is on my bucket list, as well!

    Reply

  27. krantcents says

    You should find an exercise program that will motivate you. It can be walking, weights, running or bicycling. Personally, I like bicycling because it works for me.

    Reply

  30. E.M. says

    Sounds like you have a lot of fun plans in store for the rest of the year! I have only been skiing twice, but it is a lot of fun. We rented a house near the mountains with 12 people once for three days and had a blast. Skydiving is on my bucket list, too, you’ll have to tell us how it goes!

    Reply

  32. Christina says

    Your goals are so admirable.
    I have an off topic question for you about student loans and finances, which I think you are an expert of.
    We are over 60 and still have student loans from ions ago ( it’s a very long unreal story), so we pay the interest every month, but it will never go down with out principal. But we also have very little retirement money saved. We are in a quandary , pay more on the loans or take that and build up a years worth of savings. Fully funded emergency fund. What would you do?

    Reply

    • Michelle says

      Thank you Christina!

      May I ask what rate your student loans are at? If you have very little saved, I would probably build up savings first. That’s what I did. It made me feel much more comfortable.

      Reply

      • Christina says

        The rate is awful, at 8.25
        I haven’t signed up for the automatic which would take off .25
        I just am so unsure what to do. I’d like to chip away at them ( they’re consolidated), but then the extra $500 could go towards building our FF emergency fund…;(

        Reply

  35. Jacob | iHeartBudgets says

    Congratulations on your transition, what an awesome feeling it must be. Excited to see what’s in store and how your life changes once you are your own boss and you stop “working for the man”.

    And have fun sky diving. That has to be exhilarating! I’m too much of a-fraidy cat to try. GET SOME PICS! And getting a pilot’s license would be WICKED AWESOME. Good luck! 🙂

    Reply

  37. Tushar @ Everything Finance says

    Wow, you are brave! I think I would chicken out about skydiving, as much fun as it sounds. I’m interested to hear what these life changing experiences are! Good luck on all of your goals and good job for meeting your September goals.

    Reply

  40. Budget and the Beach says

    I highly recommend skydiving! It’s something everyone should do in their lifetime! I haven’t done the tandem jump, I did the static line jump solo where the plane pulls your chute. It was awesome!

    Reply

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