I finally had time to update all of my November numbers. Overall I think things are okay, but the plane tickets for my uncles funeral kind of threw things for a loop.

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Spending:

Must Haves:
$525 Rent
$11 Phone bill
$236.03 (way over in this category from last month)
$157.63 Regular loan payments

$929.66 or 53% - a bit over, goal is 50% but not bad for a rough month

Save:
$82.56 Short Term Save
$286.69 Long Term payback (from ER visit)

$369.25 or 21% - under in this category, should be more like 30%

Wants:
$46.38 Work Snacks/Coffee
$137.29 Cigarettes
$208.01 Misc. (including plane tickets)
$26.90 Dinner/Entertainment
$28.21 Cable internet

$446.79 or 26% - over, but primarily due to plane tickets for the funeral
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Savings:

$603.51 Short Term Savings (need another 68.99 to be at goal)
$802.79 Emergency Fund/Long Term Savings (need 197.21 to be at goal)
- my ER bills have finally come in, and been paid
$2300.37 401K (up $304.18 from 11/1)
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Debt:

$2925.57 Private Student Loan 1 (decreased by $36.88)
$3380.14 Private Student Loan 2 (decreased by $26.62)
$8392.28 Gov. Student Loan (decreased by $34.38)
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Debt reduction for November seems kind of small, but my main goal was to pay back my Emergency fund. I had to use it for an ER visit, but it should be paid back by the end of December.

Starting December 1, I'm now vested in my employeers pension plan. I haven't really decided how to add that in to my number, but I guess it should be included. I'm only 25% vested, so the total vested balance is $270.


I'll update with my new paycheck (12/9) and Christmas shopping from over the weekend later. I think this post is long enough