October 2018 Budget Report



October was very refreshing. We went to the NC state fair, visited with family and paid down some debt! We are so excited to share all of our victories as well as the shortcomings with you. Thank you for being apart of our journey. Let’s dive into the numbers.

Tithes $863- We are so thankful that we get to give each month.

Rent $1050- Our plan is to rent until we are debt free.

Duke Energy $130.85- It was very warm and we enjoyed the a/c too much!

PNGas $26.61- Our water is heated by gas.

Spectrum Internet $14.99- We have the lowest package but it works great.

Cell Phone $52.62- The bill for next month was also taken out in October. We haven’t owned a home phone in over five years.

Water $78.46- This also includes sewer.

B’s Life Insurance $41.43- We feel very strongly about having a good term life insurance policy.

Fee $1- Our credit union charges a monthly fee, but uses the fee to fund scholarships in NC.

Grocery $658.58- We spent more than I had imagined. Our groceries feed 2 adults and 3 kids. We eat 90% organic produce.

Gas $212.60- This fluctuates as we travel monthly to visit family.

Blow$100-This is what B spends on lunch.

Gifts $214.20- We celebrated the end of soccer season, birthdays and started Christmas shopping.

HP instant ink $10.66- I changed the plan so that I can print more freely.

Waste Management $68.04- We have trash pick up weekly however our bill is due each quarter.

My Life Insurance $162- This is paid yearly.

Republic Service $59.40- We received the final bill from our previous trash service providers.

Charitable giving $25- other giving.

Entertainment $40- This included food for the adults at the fair.  The kids had their own spending money.

School supplies $5.34- We picked up some dry erase markers at Walgreens for a great deal.

Household $34.24- This included a new knife and Pur faucet replacement filters.

Clothing $86.44- This included jackets, jeans, and socks for the kids.

Eating Out $29.95- We ordered take out when our water pipe had a leak. We were without water for a few days.

Debt $2907.31- This is the total amount paid towards the student loan this month. This includes the regular payment of $762. We are so so happy to see the numbers going down!

Total Income $6872.72- B earned a total of $6501.40, I earned $158 for completing surveys, we were gifted $50, and received a refund for $163.32.

Were you able to pay down debt this month? If so, I would love to know how much.


  • Petra Hales

    This is so inspiring. I don’t have anything super to report, but I did payoff a credit card bill. It was 250.00 for the past 18 months. I was able to pay it off within the promotional period. No interest.