Tales from the Grocery Store

M went to Costco yesterday, & everything we bought was food. Here's what we ended up with. Total spent = $149.04.

Dairy - $23:

• $8.49 - Sliced cheddar cheese (used to make the kids' lunches)
• $4.69x2 - Organic eggs. We typically go through 4 eggs/breakfast, and I additionally use them for baking.
• $5.13 - Milk. The kids' primary beverage. They don't drink juice, so we only have water or milk for drink choices in the house.

Meat - $35.09:

• $17.21 - package of boneless, skinless chicken breasts. We use these to barbecue in giant batches & use for quick meal preparation.
• $17.88 - package of boneless, skinless chicken breasts. Same purpose as above.

Snacks - $6.99:

• $6.99 - Pirate's Booty. Kids' lunches or snacks.

Produce $50.98-

• $8.49 - grapes. Snacks
• $3.49 - romaine lettuce. Salads with dinner.
• $3.99x2 - 3 pack of cucumbers. Salad with dinner, and my kids' absolute favorite snack - with a light sprinkle of salt.
• $4.39 - broccoli. Salads.
• $4.99 - roma tomatoes. Salads & on the occasion sandwich/burger. I love tomatoes.
• $1.39x2 - bananas. Breakfast.
• $6.99 - clementines. Snacks.
• $5.29 - pears. Breakfast/lunches/snacks.
• $3.29x2 - honeydew. Breakfast.

Random/Misc - $32.98:

• $22.99 - Olive oil, used in cooking.
• $9.99 - gingerbread house. Putting it together with the kids this weekend. :-)

Percentage breakdown by category (rounded):

• 34% - Produce
• 23% - Meat
• 22% - Random/Misc
• 15% - Dairy
• 4% - Snacks

Overall, I'm pretty happy with the category breakout. It seems we always need at least one stock up/random item, and I am always pleased to see produce as our top category. We buy meat fairly sporadically, but do typically eat it with all of our dinners.

Do you track your grocery spending? By category?

Menu Plan, and a picture

Yes, a picture! I plan to remain anonymous (as much as possible) given the amount of financial detail I provide, but loved this picture from our weekend. Those are our two boys on a hike on the Oregon coast this weekend. It's so green that it's like a postcard!

With that, here's what's on the menu for the week. I'm still trying to work through our freezer stash, so you'll see quite a few freezer meals on the list. M will also be out of town for a few days, so I tend to eat single-serving leftovers and throw together meals to keep the costs down those days.

I forgot to defrost our manicotti this morning, so asked M to do it while I was at work. He didn't know which casserole dish was the manicotti, so tonight's dinner will be a surprise! I know which three casseroles I have frozen, but I haven't a clue which he set out for tonight. :-)

• Monday: Frozen surprise. :-) Will either be: beef manicotti, fiesta chicken, or chicken pastina. 
• Tuesday: Cashew crusted mahi mahi with spinach risotto (freezer)
• Wednesday: Leftover "surprise" casserole
• Thursday: M's famous hamburgers (freezer) + corn
• Friday: M out of town. I'll be eating some pizza rescued from the freezer + salad
• Saturday: M out of town. I'll be eating baked ziti (freezer) + edamame.
• Sunday: I feel like soup. I may make chili or potato soup. M's not a huge fan, so I'll probably make some mahi mahi to go with his portion. Plus biscuits?

Baking: I'll probably bake homemade granola bars (kids lunches) + fresh cranberry muffins to stock the freezer.

What's on your menu for the week? I'm still looking for an excellent chili recipe, so if you have one, please share!

Check out Organizing Junkie roundup of menu plans, if you need inspiration!

Weekly Spending Wrap Up

Here's how the week went. We're on vacation at the beach this week (left Wednesday night, back on Saturday night). Our vacation house is in Oregon (a sales tax free state), so we buy a lot of household items, kids clothes, wine, etc when we can find it & it's in the budget. Sales tax where we live is close to 10%, so it's a substantial savings.

And, I think I finished up 95% of my Christmas shopping! My sister will be getting a gift (from the two of us) for my grandmother's husband & I still need to find a few stocking items for the hardest person to shop for - M. :-) I'll also be getting reimbursed for several (most of) the gifts I bought this weekend. Between my mom & sister, I'll be getting $293 back, which isn't taken into account below.

I ran a ton of errands today, & you can definitely tell by my numbers. :-) I went super far over my liquor budget for the month (originally $60), but found my favorite nicer wine for 40% off on a whim when I walked into Safeway (Kroger) today. Score. I'll rejigger the budget a bit to accommodate. I also had zero budgeted for the boys clothes this month, but discovered they've outgrown all of their underwear & socks that I keep at our vacation house. I do my absolute best not to drag a bunch of clothes back & forth to make it easy to pack/unpack, so I replaced those. I still need to get them some additional pants (in a bigger size) to store at our vacation house, but may look for those on Black Friday if I choose to venture out for an hour or so. Kids clothes are sometimes a huge score on Black Friday.

• Monday - No spend day
• Tuesday:
• $101.37 - Costco for groceries
• Wednesday - No spend day
• Thursday -
• $3.50 for two carousel rides
• $4.99 for one stocking stuffer my husband discovered at the local toy store
• $9.99 at Fred Meyer for Pokemon cards for the kids (little splurge since they were so good during our drive.) A bribe. :-)
• $.81 at Fred Meyer for groceries (radishes & an onion)
• $40.95 at Costco for groceries
• $39.98 on rain boots for the kids. Their old boots were too small/ripped out of the back.
• $46.97 on a few household items (olive oil mister, replacement kitchen utensils, etc)
• $65.94 on wine. This was more than I was budgeting ($40 for the month), but M reminded me that the stock this wine infrequently and we don't want to run out for the holidays. ;-)
• Friday:
• $2.92 - Fred Meyer for groceries (I underestimated our tomato usage, & we were out of lime juice. A critical cosmopolitan component. :-))
• $118 for Christmas gifts. (Digital picture frames for the Grandmothers). My sister will reimburse me for 1/2.
• Saturday
• No spend day
• Sunday
• $2.52 on a couple of groceries at Safeway due to a last-minute change in dinner plans (a potato, a fruit roll to keep my errand-accompanying child happy, and a pomegranate because I've been craving them!)
• $82.73 on wine at Safeway.
• $3.48 on a few groceries at Fred Meyer (frozen mini waffles for a quick breakfast when M is out of town next weekend, and asparagus)
• $30.54 at Fred Meyer for new underwear/socks for the kids.
• $31 at Fred Meyer for a birthday gift for my nephew
• $23.38 at Fred Meyer for a couple of stocking presents for my nephews
• $283.64 at Toys R Us to finish up some Christmas shopping.

Summary of the spending:
Groceries = $152.05. On track.
Kids (clothes, entertainment, etc) = $84.01. Over. Clothing purchases were unexpected.
Liquor = $148.67. Over. Way over. Need to find the money in another category.
Gifts = $31. Under on this, and should be done with gift purchases (this is non-Christmas)
Christmas = $430.51. I need to recalculate based on how much I spent towards my own budget vs buying for others (i.e. getting gifts for my mom/sister to give to my kids - they reimburse me).
House = $46.97. Over by a few dollars.

Did you track your spending this week? How did you do? Any surprises?

Quick update

Just a quick note that we are having a fabulous long weekend. We're at the Oregon Coast, & have seen all possible weather - in true coast style. :-) It was 63 and sunny yesterday. We rode bikes, hiked a bit & played outside. We ended the evening with margaritas on the deck (with jackets - it cooled off very quickly!) & a gorgeous sunset.

It started off as a nice day today & we rode our bikes several times around town & to a local park. Around 2:00, the rain and wind started & now it's a full storm. I'm enjoying a cup of hot tea while the kids play outside with their new rain boots & umbrellas. It's about the small stuff. :-)

We've been playing a lot of games, coloring, and playing with farm animals. Life is good. And, we've been doing pretty well on the budget - no meals out, and pretty under control for the rest of our spending. A more detailed post coming soon!

Enjoy your long weekend! What are your plans?

November Goal Update

November is about 1/4 over, so I thought it would be good (read, I need to kick myself into gear!) & see how I'm faring so far.

Here are my November goals:

1. Complete 500 minutes of cardio. I've completed 150 minutes, so I'm on track with this.
2. Lose 5 lbs. Starting at 146. <insert sad face> I've gained weight. Need to focus on this.
3. Sell 2 items (or more!) on Craig's List. So far, no traction on this. We do have our old TV listed.
4. Decorate house for Christmas. We'll do this the last week of November
5. Finish Christmas shopping. I'm about 2/3 of the way done. Yeah!
6. Clean pantry. I've made small steps, but haven't done a full clean. 
7. Clean both fridges. Nope. Need to get this on my To Do lists. 
8. Complete 8 strength training workouts. I've done 1/8, which is not good.
9. Complete guardianship/will/trust for kids. Nope 
10. Research life insurance. Nope.
11. Create a list of all shared accounts (between myself & M) to store in safety deposit box. Nope
12. Plan ski week with my sister, nephews, and our kids. Nope
13. Decide on winter activities for boys. Yes! This is done. :-)
14. Track all spending. So far, so good.
15. Reduce monthly expenses by $200. I've been doing a much better job predicting our monthly expenses & juggling things proactively, so hopefully we'll have a net savings this month. 
16. Get together with two friends. I've gotten together with one friend, so 1/2 way there. :-)
17. Decide on/register for benefits at work. There are a bunch of changes to our health care plans, so I need to figure out which is best for us.  Not yet.

Yikes. Not doing that great - I'm mostly concerned with my weight. Given that we're heading into the holidays and over indulgences all around, I need to get to the gym regularly & keep my eating on track.

How are you doing with your November goals? Any big wins so far? :-)

Weekly Spending Update

Here's what I spent during the week. My mom, sister & I spent all day Saturday together, stayed overnight in a hotel, ate lunch, dinner, & breakfast out, as well as went shopping during the day. Although the weekend was expensive, I stayed within my planned budget! It was my mom's birthday. I was super excited to see that our parking was free, which I hadn't expected. Yeah!

• Monday
• $19.05 - Trader Joe's (groceries)
• $7.43 - Fred Meyer (groceries)
• $52.68 - Gas
• ++$45 for a Craig's List sale.
• Tuesday
• No spend day!
• Wednesday
• $47.18 - Costco (groceries)
• $227.25 - Costco (Christmas gifts)
• $43.68 - Costco (Christmas gifts)
• $52.24 - Dining out. Took a friend to dinner since I'll miss her baby shower.
• Thursday
• $1.15 - protein smoothie at the gym
• $35.60 - Costco (Christmas gift)
• $26.78 - Amazon (Christmas gift)
• $123.75 - Car registration/tab renewal
• $14.75 - new air filter for the car
• $57.99 - spark plugs for the car
• $16.24 - Ebay (Christmas gift)
• Friday
• ++$6,862 - stock options from work. I typically only get these in September, but my vesting delayed during my maternity leave so this is my last round of October vesting.
• Coffees (Me + M) at the local coffee shop this am. On a gift card.
• $15.89 - Costco (meatballs - forgotten in the earlier Costco stop this week)
• Saturday
• $25.54 - Bath & Body Works. Stocked up on hand soap, and also got a freebie body wash that will be included in a Christmas gift
• $105.34 - Ruths Chris (lunch). Will be split with my sister
• $4.37 - Hallmark. Birthday card for my grandmother
• $54.74 - Aerosoles. Comfortable brown flats. I have a broken bone in my foot & own basically all heels, which are unwearable at the moment. My budget for clothing this month was $50, so I was so close. :-)
• $143.74 - Dinner. Will be split with my sister.
• $20.43 - After dinner drinks. Will be split with my sister
• $24 - M & the kids went out to dinner.
• $5 - Sephora. Lipstick brush. On a gift card.
• Sunday
• $17 - coffee/breakfast this morning. Will be split with my sister.
• $7.10 - Fred Meyer for a few groceries (lime juice + a bunch of clearanced ZBars that the kids eat before swimming practice)
• $20 - Fred Meyer for socks for me. Officially now over my clothing budget. By socks. Drat. So boring, but essential.
• $15.66 - Fred Meyer for a new pizza pan. This was less than I budgeted.
• $2.19 - Fred Meyer for balloons for my youngest son, who was shopping with me. Total impulse purchase.
• $16 - Fred Meyer for a Christmas gift.

Total spend for the week = $1152.77
Total spend for the week (after my reimbursement from my sister) = $1052.77
Total for the week (after I add in my stock vest) = +++$5809.23

How did you do with your weekly spending?

Menu Plan

Here's what's on the menu for the week ahead! We'll be heading to our vacation house for a long weekend, so we try & do extremely easy, few ingredient recipes. Just a note that we typically have a salad with every meal. I'm also still trying to work through my freezer stash, so you'll see more freezer meals than normal for the next month or so.

• Sunday - Cashew crusted mahi mahi + roasted Brussels sprouts
• Monday - Baked ziti (from the freezer)
• Tuesday - Fiesta chicken (bumped two weeks in a row!)
• Wednesday - Leftovers (whatever is left to clean out the fridge)
• Thursday - At the beach! M's famous hamburgers + a vegetable. Asparagus?
• Friday - Baked salmon, rice, & the family favorite crostini.
• Saturday - I cannot remember what's in the freezer at the beach house, so need to inventory that & use up whatever fish I have.
• Sunday - Leftover Fiesta Chicken

What's on your menu for the week? I love reading menu plans & looking for recipes.

Christmas Budget & Plan

I love reading about how everyone spends their Christmas budgets, and writing an actual plan makes me feel more accountable, so here goes! :-)

I keep a fairly detailed Excel spreadsheet, with the following tabs:

• Gifts. This is where I track what I've purchased so far, and each person we buy for has their own row in Excel. Once I'm done purchasing gifts for someone, I highlight that row so I can quickly tell who I still need to shop for.
• $ Transfer. This is where I track if I owe anyone money, or someone owes me money. For example, my sister & I regularly pick up items for each other (she usually knows best what her own kids will like, and vice versa). I also usually help my mom shop for my kids, etc. We both track everything & as we near Christmas, we add it up, double-check our numbers & even things out.
• Budget. This is where I track how much I've spent. I have several columns per person - the initial budget, how much I really spent, and whether I was under/over.
• Lists. I track any ideas for people here.
• Notes. I use this section to detail any notes for the following year. For example, last year I reminded myself not to shop on Black Friday, because I primarily shopped for myself, thus wiping out any savings on my Christmas budget. :-)

Okay, now that you know how I track each item (I'm an Excel geek, I'll confess), I'll break things down a bit more. Here are the line items on our Christmas budget:

Gifts:

• M - $100
• S (our oldest son) - $100
• N (our youngest son) - $100
• C1 (nephew) - $30
• C2 (nephew) - $30
• Grandmother - $25
• Grandmother's husband - $20
• Aunt - $25
• Best friend's child - $25
• Best friend's other child - $25
• Baking - $25
• School (teachers, etc. I donate to the PTA fund that covers my Kindergartner's class, so this will be just for my preschooler's teachers) - $50
• Christmas cards (my husband's family lives abroad, and sending gifts is cost prohibitive due to weight. Instead, we do a family photo session, and use the pictures for Christmas cards & to send prints to his family) - $100
• Team at work (I manage a small team & pick up things like a coffee gift card for my staff) - $20

Stockings:

• M - $25
• S - $25
• N - $15
• Nephew1 - $15
• Nephew2 - $15

Budget:
Total estimated budget of everything above = $760. I like to create a slush fund in case we go over, I've forgotten any expenses, etc, so my actual budget is $1000. I try to stick to the $760 (and approximate amounts for each person), but then have a little flexibility if something comes up. I budget $333 for October, November, & December, but I try to be done by the end of November, so I may actually spend $333 in October & $650 or so in November, with hopefully no spending in December. (Fingers crossed).

Progress so far:
So far I've spent $435, and I'm approximately $50 over my budget. I have finished shopping for the following:

• M (husband)
• S (oldest child)
• N (youngest child)
• N's stocking
• S's stocking
• Nephew1
• Friend's child1

I'm over the $50 because I bought more books than expected for my kids, but I'm okay with that as long as I keep it under $1000 total!

How is your Christmas shopping going? Are you on track? On budget? A last minute shopper?

Tales from the grocery store

I generally try to recap what we purchase each week, because I always find it fascinating to see what you folks purchase. I will try & start taking pictures, but I keep forgetting!

M made a Costco run a few days ago, & here's what we ended up with. M spotted a few items that we've been looking for as Christmas gifts, so he picked them up. I also shop for my mom's Christmas gift for the boys, so we will be getting reimbursed for some of it. I'm irritated with myself, because I didn't notice that we had an unopened container of Roma tomatoes in our downstairs fridge. We didn't need the package M bought today, so waste of $4.99. We will definitely be eating a lot of tomatoes this week! Luckily, every one in the family is a tomato fan. ;-)

Produce:

• Tomatoes - $4.99
• Cucumber (3 pack) - $3.79
• Bananas (x2) - $2.78
• Plums - $5.99
• Pineapple - $2.99
• Gala apples - $5.99
• Pears - $5.29
• Honeydew melon - $3.29

Dairy:

• Milk - $4.29
• Organic eggs - $4.69

Christmas gifts:

• Lego Black Pearl Pirate ship - $79.99 (this will be my younger son's "big gift" from Santa)
• Casio Keyboard - $79.99 (this will be my older son's "big gift" from Santa)
• Lego Alien Ship - $49.99 (this will likely be my mom's gift for one of the boys)
• Erector set - $43.68 (this will likely be my mom's gift for one of the boys)

All told, we spent $318.11, with $47.18 spent on groceries & $270.93 on Christmas gifts. In excellent news, I'm done shopping for both of the kids & my husband!

Christmas shopping
For my older son, we got him: several games, a few books, a kids chess set, & his keyboard. For his stocking, we got him a few other books and a toy. For my younger soon, he'll be getting: games, a couple of drawing kits, the lego set, and for his stocking: a few books & a toy. I feel like it's the right balance of fun stuff, practical items (they LOVE books & games), and the right amount of presents for a 4 & 5 year old. (Keep in mind they get plenty of gifts from other family members.)

I also figured out what to get my husband (a running jacket + a watch for running). Practical, but fun little splurges. And, I know he's been coveting this particular Under Armour running jacket, so I found both items online for a great deal & ordered them. Yeah!

Goals for today:
I did work out for 60 minutes yesterday, which made me feel amazing. I also ate well (1500 calories and lots of healthy food choices). The mini daily goals really helped, so here's what's on my list for today.

• Call about an appeal on our tax assessment
• Schedule an appointment for a (free!) massage
• 60 minutes of cardio today
• Arms strength training
• Clean the fridge
• Finish another development project at work
• Hopefully receive the final numbers for our refinance and closing for our vacation house
• 1500 calories or less!

Net worth update

I pull all of our numbers on the first of each month & calculate our net worth. (Note that I don't count our kids college accounts, as they are 529s, and for college tuition only. Maybe I should, but I consider the accounts part of their net worth, as we will not be using them? Also, M has one very high risk investment account that I don't track. It fluctuates WILDLY, and it makes me anxious to look at the numbers, so I don't even pay attention to it. :-))

Here's where we are as of November 1st:

Liabilities:
$35,736 - M's 401K loan
$1,045,568 - Property loans (primary & vacation)

Assets:
$860,000 - value of primary residence
$334,000 - value of vacation residence
$431,833 - retirement accounts
$160,995 - stock options via employer (on a vesting schedule & subject to forfeiture should either of us switch employers)
$27,107 - liquid cash

Total net worth = $732,632

And, with that, I'll throw out my goals for today. I'm struggling a bit on the weight loss part, and need to rein it in. Especially because I'll be eating out a lot this weekend.

Goals for today:
1) Complete a development project for work. Can't wait to get this off my plate!
2) 60 minutes of cardio
3) 15 minutes of arms/strength training
4) Not get stressed over our crazy night, because it's our last Thursday of soccer practice & swimming lessons!
5) No unnecessary spending.
6) 1500 calories (or less) of healthy choices today!

What are you hoping to accomplish today? Do you set daily goals? (I do, when I'm struggling. :-)) Do you calculate your net worth and/or find it helpful?

Goals for November

Wow, I can't believe there are only two months left in the year!

Here are my goals for November:

1. Complete 500 minutes of cardio
2. Lose 5 lbs. Starting at 146
3. Sell 2 items (or more!) on Craig's List
4. Decorate house for Christmas
5. Finish Christmas shopping
6. Clean pantry
7. Clean both fridges
8. Complete 8 strength training workouts
9. Complete guardianship/will/trust for kids
10. Research life insurance
11. Create a list of all shared accounts (between myself & M) to store in safety deposit box
12. Plan ski week with my sister, nephews, and our kids
13. Decide on winter activities for boys
14. Track all spending
15. Reduce monthly expenses by $200
16. Get together with two friends
17. Decide on/register for benefits at work. There are a bunch of changes to our health care plans, so I need to figure out which is best for us.

Have you thought of your goals for November? What are you most hoping to accomplish? :-)

October Financial Wrap Up

First off, I'm nervous posting this. I realize we're in a different financial situation than many other personal finance bloggers (we make more/and spend more) & I am a little anxious posting our budget and income. My goals in posting are to keep myself on track, share how we allocate our money, and get feedback from all of you savvy folks.

Okay, with that said, here goes. :-)

You'll note that our expenses were higher than our income this month. While not typical, we do have months where we go over. We have standard income (the same every month) that I use for our regular expenses. We also have non-standard income that we use for things like: travel, the boys college funds, savings, and months where we're over our budget. The non-standard income generally comes in the form of bonuses (I get this 1x/year in September, M is eligible for a bonus 4x/year + stock awards from our employers.) We save this non-standard income for various specific line-items (college funds, travel, house repairs) & the also keep a more general savings slush fund for unexpected expenses.

Tracking our expenses has been extremely helpful! This is our first month of tracking everything (before I only tracked "variable" expenses) & we're going to be making a lot of adjustments going forward as a result.

Income: $14,088. (Typical monthly income from our employers. M also won $700 at a casino that we used to offset some of our anniversary trip. That $700 isn't included in our income number).

Total Spent - $16,859.24

Where did all of that money go? I've listed out all of our expenses, grouped by budget item & also where we're over. As noted, we had some extra money leftover from September (that's when I receive my bonus & stock awards) that I used to: make extra payments on our vacation house, & fund the boys college accounts). We typically have charitable contributions taken out of our paychecks automatically, but I made several extra donations this month, which is why it has no budget allocation.

Fall 2011 Budget	Budget	Actual	Over/Under
Groceries	600	756.42	-156.42
Dining Out	200	458.63	-258.63
Boys Lessons	200	465.5	-265.5
Gas	500	404.71	95.29
Vacation Utilities	200	244.87	-44.87
Primary Utilities	700	803.7	-103.7
Boys Clothes	50	167.21	-117.21
Adult Clothes	50	-281.35	331.35
Gifts	100	790.35	-690.35
Travel	0	1149.37	-1149.37
Child Care	1675	1715	-40
Personal	100	543.57	-443.57
Health	20	18.43	1.57
House	100	360.99	-260.99
Car	50	17.7	32.3
Boys (Misc)	50	26.38	23.62
Liquor	100	168.85	-68.85
Primary Mortg	4850	4800	50
Boys College	0	978	-978
Insurance	200	199.5	0.5
Cleaning	346	320	26
Charity	0	245	-245
Christmas	333	194.54	138.46
Vacation Mortg	1950	2311.87	-361.87
	12374	16859.24	-4485.24

Highlights:

• I was able to pay an extra $361 towards our vacation mortgage, & have now paid off 7.25% of the overall loan. Yeah!
• I put close to $1000 in college accounts for the kids ($978, to be exact.) :-)
• We were under on gas for the first time in A LONG time.
• I returned a few clothing items that I bought in September. It's kind of a highlight, but I overspent that budget item in September, so not sure that it's a net budget win. :-)

Lowlights:

• We're over on groceries. Again. This month included a bunch of random grocery purchases: the treats that I made for a Halloween party we're more than $25! It was my own foolish mistake that made this happen. I was also in charge of soccer snacks for two separate games, made meals for several families that are struggling, and brought a few meals to family get togethers.
• It's our first time to separate alcohol from grocery spending, and the goal is to understand where the money is really going. We typically stock up on wine when Costco carries it, as they don't carry it regularly.
• Boys lessons - this wildly varies month to month depending on when we have to sign them up for a new session. We are thinking of cutting this back a bit, as it feels crazy high!
• Gifts. Wow. I will be getting reimbursed for $300 of one gift, but we had a ton of events to buy for in October. We'll see how this category stacks up month after month & whether our budget needs to be adjusted and/or our spending needs to be trimmed.
• Travel. I'll be getting reimbursed about $250 in this category, as I booked a room that my sister & I are sharing. The rest was our anniversary trip. We had a great time, but it was extremely pricey for one night, & we likely won't be doing something like that again. We'll either do a 3 day weekend & spend a bit more but go somewhere, or just do a fancy dinner at home.
• Personal. I had several appointments fall in the month of October, and the rest is actually my personal training expense from September - the billing cycle if funky. (I've canceled my training going forward).
• House. We're over on the house because we had to have our oven repaired. It was leaking gas!

So, that's where we netted out for October. I'd love your input - is the way I'm tracking income confusing? Do you want to see our irregular income included? Anything else that I can add so this makes sense? Questions? How did your October go?

October Goal Summary

I'm glad October is over & done with - let's review my goals & how I did! For reference, here are my 2011 Goals.

I realized that I posted my yearly goals, as well as a weekly set of goals, but never my complete list of October goals. So, here goes! Goals that I utterly failed at our in red, made progress but didn't achieve is yellow, and completed is green.

1. Lose 5 pounds in November. I lost 1.2 pounds.
2. Work out 15 times. I worked out 14 times. Bummer. Just short of my goal.
3. Track all spending for the month. YES! I did this. I'll have a full blog post on this shortly.
4. Clean both freezers & create an inventory. YES! I did this. The inventory has been super helpful with meal planning.
5. Organize boys closets & store/get rid of summer items. YES! I did this. :-)
6. Plan time off around the school & holiday calendars. YES! I did this.
7. Start Christmas shopping. Yes, I'm about 1/3 of the way done.
8. Bring the boys to visit the Grandmas. Yes! We went last weekend & had a great time. The grandmothers (92 & 86, respectively) loved it!
9. Decorate the house for Halloween. Yes! This was done. Now on to Christmas decorations.
10. Sell 4 items on Craig's List. We sold two items, one we figured out couldn't be sold (a car seat - past its expiration date), and is still listed.
11. Plan our anniversary. I did this, & we had a great overnight trip.
12. Clean "junk" drawer in our kitchen. Done!
13. Clean "catch all" kitchen cupboard. Done!

Hmmm, my analysis is that 10/13 isn't bad! And, I'm not terribly worried about the Craig's List goal. But, the weight loss & fitness needs to become a priority again in November. I need to get a few pounds lost & under my belt before we enter holiday season.

How did you do on your October goals?