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June started off my slower period of work, however I was able to pay all expenses this month without dipping into savings. Yay! I even ended up with almost six hundred dollars to put towards savings and the fall semester.
The projected income for July is enough to cover all regular bills, but there is still time to get some work which will pay out in late July. Time to hustle and see if I can pick up more hours from the agencies I contract with.
Two months of summer are covered. God is providing for our needs once again.
Now, I just need to earmark some money to replace the washing machine which decided to quit. Or sell a lot of things next month.
Extra money this month
- Money skimmed from regular budget items $32.77
- Budget items saved for annual bills $397.00
- Trimmed expenses (i.e. internet/cellphone) $93.48
- Blog income $11.99
- Craigslist sales $27
- Cash back from bank $7.60
- Rebate $19.96
- Total saved: $589.80
Where is the money going?
- Annual bills: $466
- Emergency Fund: $63.80
- Car Repair/Replace: $0
- School: $60
Running totals
- Emergency fund-$1,188.21
- School- $60.01
- Car Repair/Replace: $325
Grand total of savings in 2015: $4,825.01
Reflections
Other news, I made it through the interview process and was offered a position at the video relay call center. What is that? Anytime a deaf person wants to make a phone call, the call comes through the call center and I will be on the line interpreting the conversation between the deaf person and the hearing person.
Training will start in a couple of weeks. The call center is just a few miles from my home and I will be able to pick up extra hours whenever I can. Having this second job will be a huge boost to saving for school and my other savings goals.
My blog has started bringing in money! You could say I work full time and have two part time jobs. Though my new job will definitely pay better, as of now, then the blog has done up to this point.
[Tweet "Small money steps add up over time and can accomplish big goals. Keep at it! "]
Small steps definitely add up over time and can accomplish big goals if you keep trimming expenses, paying off debt, and/or saving regularly.
Over the last few months, I have managed to save $257.98 by negotiating a lower rate with my car insurance, the cell phone plan and the internet service. $72 worth of stuff has been sold.
$329.98 saved all from a couple phone calls and a little bit of hassle selling unwanted items. I am super excited to see how much I am able to save this year by trimming expenses and selling stuff I don't want.
Tracking the savings this year has really been encouraging and I realize I am not just spinning my wheels going nowhere. Make your goals visual and start keeping track of how much money you are able to pay your debt down or how much you have been able to save. Seriously, it is eyeopening and motivating.
[Tweet "A small change with your money will add up over time. What can you change?"]
What is a small money step you can do today to make some traction with your goals?
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Hi! I’m Charissa. I’m on a mission to help hardworking women overcome money struggles and gain financial peace with a Biblical perspective so they can have the freedom to impact their families and communities. Ready to make some changes that will impact your finances in 2020? Click here to get a free worksheet to help you make it happen!
Great job on the savings this month! I think it’s important that people don’t underestimate the effects of trimming your expenses in order to accelerate your progress financially.
Thanks Chonce! I think many people don’t keep track of what they spend and only know they are out of money at the end of the month. It’s amazing how the amounts from trimming your expenses really do add up to be a sizable number. You go along paying a bill without even thinking about it, when you could be paying much less.
I always love your tips and congratulations on firstly the job and secondly your blog making money. Look forward to more of your posts and sharing with us at #WednesdaysWisdom
Thank you Sue, I always enjoy when you stop by. Your comments are so encouraging. I will continue to show up at #WendnesdaysWisdom with more posts.
this is a great post! I am excited to learn more about your tips for saving…my biggest weakness is eating out! 🙁
Thank you Stephanie! I’d love to have you stick around, because I share a lot of ideas on saving and sticking to a budget and enjoy helping others save. What about eating out is your biggest weakness?
I wish I could cut back my cell phone bill with att. It is either you have to buy a new phone or can’t switch because of contract.
Yeah those are hurdles, Gail. But it still might be worth it to call and review your plan (and everything you are paying for) to see if you can lower your bill. Or at the end of your contract, look around for a better deal or ask if there are any promotions going on that you can take advantage of or see if you get a discount because you’ve been a customer for however long. Either way, there are other expenses you can lower too.
Charissa, what a great post. Not just advice but an example lived out. I love your posts on my party. Parties are great exposure, they help your stats they are an important part of growth. But parties are only a part of the whole picture. I hope you consider some of the other suggestions that I sent you to expand your reach.
Kathleen
Aww, thanks Kathleen. I always love seeing your thoughtful comments here on the blog. Thank you for taking the time to send me all that advice. I will be incorporating the strategies you mentioned. Thanks again!