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August Look Back / September Look Ahead

September 7th, 2014 at 06:51 pm

Slightly behind on this, what else is new?

The look back/look head is just my way to try to keep myself on track with my saving and spending. I have an Excel spreadsheet I love for tracking my debt paydown but it doesn't translate well to saving and spending; I find I'm more about words than numbers for those areas.

August
August is property tax month for our home, which means the bank account takes a pretty big hit. It's a known and planned-for expense, but it still twinges a little bit not to see that nice big savings balance!

The garden is limping along -- other people have said this year is even worse than last year for gardening (and last year they said it was the worst ever), so I guess we're not doing too badly. The tomatoes are finally starting to take off, and we're actually looking like we may have more than we can consume before they go bad -- something we didn't at all have to worry about last year! None of us is really interested in canning, so we're going to look into possible ways to freeze them.

I passed my second licensing exam at the end of the month, so I guess in about 30 days I'll be officially licensed. At some point that's supposed to translate to a financial benefit, but I'm not sure exactly when that will happen.

On the debt front, I paid off $2,532 in debt in August, paid out $777 in interest, and put $291 extra to my current avalanche debt.

September
Rental property taxes are due at the end of September; that's another bite out of the savings account, but only about half as much as our home taxes. There's really not much going else on for September, as far as I can foresee. I may spend a chunk more than planned on yard maintenance.

We have a 'landscape' area behind our fenced yard that has run wild the last several years; we cleared it out last year but of course it all came back again. At this point it's beyond what we could do in a weekend, so I'm going to get a few quotes to have it a) cleared out and b) weed-blocked and either mulched or (better) filled in with rock, and the one area that's visible to the neighborhood given some design other than 'big pine tree and whatever weeds grow around it'. (The big pine tree needs to come down, actually.) I doubt I'll be willing to pay for it all, but I might at least shell out to have it cleared. (I have some money leftover from the rental a/c that didn't end up needing replacement, and a plan to save back up for replacing it in 2015.) The backup plan is to let the bulk of it die off over the winter, and do the cleanup/fill in the spring.

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