Welcome to October. It’s fall here in the northern hemisphere and as the leaves change color, it’s pretty natural to think of transition. One big transition I’m personally looking forward to is finally being out of debt.
In September, I took a big step in that direction by knocking out $2,700 of debt.
It just goes to show that that fixing my financial situation is all about attitude.
Debt: Paid off $2,700 for a balance of -$105,700
There’s that big number again. And while that balance is still hugely negative, it feels amazing to make big progress like this. Financial freedom, I’m coming for you!
Retirement: Dropped $600 to $50,800
Sometimes, even though I contribute new money, the market is a total jerk about things. This month was one of those sometimes. Luckily, I’m focused on the long game here, but this still stings.
Net worth: Increased $2,100 to -$54,900
I’m pretty happy about this too. It too is very, very negative but headed in the right direction.
Let’s see how I did tackling the personal finance goals I set for myself at the beginning of September.
The goal results
Goal #1: Pay off $2,700 of student loan debt. Pass.
Yeah, I did. I made this work by setting up an automatic payment at the beginning of the month to take away the temptation to spend the money on other frivolity.
Goal #2: Limit total vacation spending to $100 per day. Fail.
Oh hey, I’m in London, still just about 3/4 of the way done with a short vacation in Europe.
I still have a few more days to go, but big expenses like rental cars and train trips are all paid for and it looks like the best I’ll be able to do will be averaging about $115 per day for the 18 days I’m afield. I was actually on track to be much closer, but then I missed a train and had to pay exorbitantly for a last-minute ticket on the next train so as not to miss my follow-on connection.
Sigh. I suppose this is what I get for scheduling early departures when I’m on vacation.
Sub-goal #2a: Have fun. Pass.
Almost forgot I set this goal!
Yes, mission accomplished 🙂
Goal #3: Make good vegetarian food. Fail.
Not only did I cook far less than I thought I would, thanks to Europe’s amazing culture of fast, inexpensive, good food, I also gave up on the vegetarianism pretty quickly.
At most of the inexpensive small restaurants we’ve been to, the only vegetarian options have been pastries or bread with butter. I suppose I’ll try to get back on the train in October.
Goal #4: Not get fat on vacation. Neutral.
Not quite fat, thanks to all the walking around and thanks to the much more reasonable portion size, but I’m certainly not in any great shape right now.
I’ll try to get back to this in October as well.
Goal #5: Write a post about not spending too much on attending weddings. Fail.
What the… this seems like it would have been the easiest goal to accomplish, considering that the whole point of traveling here was to attend a wedding (without spending too much). You’ll get this post in October as well!
Looks like there’s a lot I’ll have to make up in October, but because these accomplishments are important to me, it’ll be very worth it.
How was everyone else’s September?
Oh, still here? Have a bonus video of a bear waving: