by Hope
Month two of tracking my spending. There is certainly some variance from my forecast due to the last minute trip to Texas and some medical expenses plus an unexpected refrigerator repair. But overall, I was able to stick pretty close to the forecast.
Date | Category/Payee | Anticipated Amount | Actual Spend |
---|---|---|---|
09-01-2024 | Groceries / Hygiene / Dogs / Gas | -500 | -230 |
09-02-2024 | Auto Insurance | -1346 | -1346 |
09-02-2024 | Amazon CC | -1391 | -1412 |
09-03-2024 | Mortgage | -1015 | -1015 |
09-03-2024 | Investments | -350 | -350 |
09-03-2024 | EF Savings | -790 | -790 |
09-03-2024 | Travel Savings | -500 | -500 |
09-04-2024 | City Utilities - varies | -150 | -100 |
09-05-2024 | Princess rent for Oct | -750 | -750 |
09-09-2024 | Electric - varies | -250 | -359 |
09-14-2024 | Verizon | -350 | -312 |
09-20-2024 | Kids' Contributions | 1215 | 512 |
09-20-2024 | Frontier CC | -130 | -127 |
09-26-2024 | Windstream | -71 | -71 |
Medical - Dr Visits | -394 | ||
Refrigerator - repair | -120 | ||
Next month will pretty much be a wash as far as my debt payoff journey goes. But November will be full speed ahead again.
I am making calls about getting health insurance. Georgia is a terrible state for health insurance. The options are just terrible. And I still have to make a decision about my life insurance.
What the Future Holds
I’ve already forecasted out through the end of 2025. But with my new income and housing plan, I am beginning to revisit it. Plan for how to be completely debt free next year. And have a substantial emergency fund. I am planning to maintain my current savings plan through the end of the year. Then revisit beginning in January.

Hope is a resourceful and solutions-driven business manager who has spent nearly two decades helping clients streamline their operations and grow their businesses through project management, digital marketing, and tech expertise. Recently transitioning from her role as a single mom of five foster/adoptive children to an empty nester, Hope is navigating the emotional and practical challenges of redefining her life while maintaining her determination to regain financial control and eliminate debt.
Living in a cozy small town in northeast Georgia with her three dogs, Hope cherishes the serenity of the mountains over the bustle of the beach. Though her kids are now finding their footing in the world—pursuing education, careers, and independence—she remains deeply committed to supporting them in this next chapter, even as she faces the bittersweet tug of letting go.
Since joining the Blogging Away Debt community in 2015, Hope has candidly shared her journey of financial ups and downs. Now, with a renewed focus and a clear path ahead, she’s ready to tackle her finances with the same passion and perseverance that she’s brought to her life and career. Through her writing, she continues to inspire others to confront their own financial challenges and strive for a brighter future.