Good morning!  Another month has come and gone….and  I cannot believe it.  We’re finally living in our temporary home and enjoying every minute of it so far.  This weekend, we had a bonfire and roasted some marshmallows.  Big mistake!  We ended up with sticky marshmallow stuff everywhere- in the kid’s hair, all over their clothes, and even on the dog.  Everyone ended up with a second bath and we decided to just give the kids regular, unroasted marshmallows from now on.  What a mess!

Now that our move is over, I’m really excited to get our financial situation back to a somewhat normal state.  As I shared last week in my Scary Money Confessions, we’ve been eating a lot of fast food lately because we haven’t stocked up on groceries.  Now that we’re in our new home, we’re back to the normal routine of eating what we already have.  So far, it’s been great!

Our New Town

Our new town of Noblesville is similar to our old town, except for the fact that it’s slightly nicer and has a much more affluent population.  The difference is very apparent almost everywhere you go.  For instance, my old Kroger barely had a produce section and never had fresh fish.  It was also pretty dirty sometimes and I avoided their restroom at all costs.  Contrastingly, our new Kroger is sparkling clean with a huge produce section, tons of organic stuff, and even a fresh sushi bar where they make sushi all day.  With all of the upgraded food available in our new store, I’m going to have to be very careful with my grocery spending!

Retirement Planning

A month ago, I mentioned that I hadn’t put any money into retirement since quitting my job in May.  Fortunately, I had saved money for retirement…I just hadn’t managed to put it into correct accounts.  I’m happy to report that I opened a SEP IRA and contributed $10,000 yesterday.  We also put $5,000 in each of our Roth IRAs.  So, we’re pretty much set on retirement for the rest of their year.  Next year, I’m going to start with a clean slate and contribute on a monthly basis instead of cramming it all into the end of the year, I swear!  Oh, and in case anyone is interested, I put the majority of my retirement savings into Vanguard Target Date FundsVery boring, I know.

Now that I’m done with all of my updates, it’s time for the exciting stuff.  I know, I know.  You’re on the edge of your seat and want me to shut up already.  Ohhhhhhkkkayyyyyy.

November Budget Breakdown

  • Rent: 700
  • Old Bills: 100
  • Electric: 200
  • Groceries: 500
  • Daycare: 600
  • Internet: 85
  • College L: 25
  • College V: 25
  • Gas/Misc: 200
  • Cell Phone: 55
  • Health Insurance: 377
  • Christmas: 500
  • Life Insurance (G): $86.25

Total: $3453.25

A Few Things…

  1. You’re probably wondering what the heck I mean by “old bills!”  I know that we’ll have a few partial utility bills to pay but I’m not sure how much.  I just had to guess!
  2. Our new daycare costs $25 more per week than our old one….so our costs have gone up approximately $100 per month.  I’m not thrilled about it but I’m happy to report that the kids love their new daycare so far.
  3. I’m saving a lot on rent right now when you compare it to our old mortgage ($1426).  But, this month I’m spending that overage on Christmas.  Go figure!

How does your November budget look?  Have you started budgeting for Christmas yet?