Nov Budget and a Decision

Here's our budget for November:

There's not a whole lot new to the budget, actually. Just about everything is the same as every other month with the exception of "gifts." Michael has a gift exchange at his work on December 2nd so we'll have to spend $25 for that in November. And the first few days of December also includes a few birthdays so we'll have to buy some cards for that.

If all goes as planned, we will send $4,050 to our Emergency Fund this month!

My goal for November is to be much more disciplined in general--- with our budget, my workouts, and my eating habits. October wasn't a good month for any of them really. We overspent in a lot of categories and didn't really watch our spending like we normally do. It was our first month debt free, so I'll give us a pass, but only one! Time to reign it back in for November.

Same with my workouts and eating...most weeks I only worked out 3 or 4 times. My goal is to follow my weekly training program as planned, no excuses. I also want to be better about eating out. I'll be on the road one day during November, so I will eat out then. I also have two employee reviews this month so I will be treating them to lunch as well. Those are the only 3 times I should eat out this month, because that's PLENTY!

In regard to my post from yesterday, we made a decision on how to handle my recent 5% raise. Michael and I talked about it and we decided to contribute 3% to my 401k so I can receive the match. I will still see a 2% raise on my paychecks so it's kind of the best of both worlds. Plus, it's the decision that we both feel most comfortable with.

Until tomorrow,
Kelsalynn