Oct 01 2009

October outlook

September was a bizarre month financially. Because our money was split among several banks, it was difficult to keep track of our finances.

We’re transitioning to one bank and I think by the end of the month, we’ll be all set.

Fortunately, we had a good September. No crazy spending, no unexpected expenses. We were able to increase our house fund to 18 percent of our goal! Still a long way to go, but I’m glad we’re making progress.

Since I divided our house fund into several tangible goals, I can tell you that we now have enough money to move (important!) and we have our projected new emergency fund complete. We’re also a third of the way to having our “immediate customizations” fund complete.

I figure we’ll need to buy some appliances and maybe paint the place or do other small projects once we buy a house. That’s what this aspect of the fund is for.

At the rate we’re going, we’ll probably have enough money by winter 2010 or spring 2011 to buy.

Right now, I’m not at all mentally ready to buy a house. I just think of all the upkeep and things that could go wrong, the lawns to mow and sidewalks to shovel, all the property taxes and other utilities we’re not paying right now, the mortgage interest, higher overall expenses and being so committed to a place…and I think that I’m glad to keep on renting for awhile.

Maybe next year I’ll be more ready. Maybe not. Renting isn’t so bad.

We’re making a big trip to Indiana later this month. Fortunately, the cost of gas is still pretty low. We’ll need an oil change and other maintenance before we set out.

I imagine we’ll eat a few meals out, but we do plan on packing food for the road.

October is one of my favorite months because of the weather and beautiful scenery. I expect this month to be a good one for our family! How ’bout you?

2 Responses to “October outlook”

  1. I love October too! You are really doing a great job on your house fund! Congrats!
    .-= Mrs. Money´s last blog ..Getting Made Fun of for Frugality =-.

  2. I think it is so great that you are so mindful of the reality of owning a home, because it is a big responsibility. I love October because it FINALLY starts to cool down in the Arizona desert. We have even had a few mornings that felt crisp, but not cold enough to change from my usual morning chores-wear, shorts and a t-shirt.
    .-= Mrs. Accountability´s last blog ..Make Your Own Vanilla =-.

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Hey! I'm Kacie, wife to Shane and mother to Jonathan (7), Vivienne (5) and Amelia (2) . I write about my family's finance: how we save money, improve our spending, and plan for the future.

I hope I can inspire and encourage you to improve your situation. See disclosure.

I'm adopting a much slower-paced posting schedule, and treating this as a hobby blog now.

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