After feeling off kilter the last few months, November was finally a month that I could feel proud of. I was making far better choices when it came to our budget than I have in the last few months, and had made a few extra payments on our snowball beyond just above the monthly minimum.
November 2018 Debt Update
Throughout the summer, we paid $1,325.05 on debt.
Credit Card 1: $495.05
Credit Card 2: $100
Student Loans: $230
Overall, I’m pleased with the debt we paid off in November. Because if I’m being brutally honest, November was the first month in a while where I looked at our budget, and stuck to it!
It was also the first month in a long time I consistently had some cash leftover after getting groceries. While it wasn’t more than $5 each week, it was an improvement from going over, and then dipping into other envelopes. That shift in mindset, back to a thoughtful budgeting mindset, will be more valuable as we continue along our journey.
So while the debt payment may not have been exceptionally high in November, it was definitely a month of changed attitudes towards our budget. And it was desperately needed. Since July, I’ve felt off and haven’t paid attention to our budget; it was nice to get it under control again!
During 2018, we have paid $13,992.45 to debt.
I want you to remember throughout your debt repayment journey is a thing called life. There will absolutely be months where you’re crushing it, and months where life happens and you’re just getting through. In the end, all of that is completely okay! Give yourself the grace to learn from it, and to move on.
The end game is financial freedom, and financial security. The journey is all about changing your financial habits, learning to spend within your means, saving for the known, and having a little money on hand for the unknown.
If you’re interested in other debt updates I’ve done, you can check out these:
- October 2018 Debt Update
- Summer 2018 Debt Update
- April 2018 Debt Update
- March 2018 Debt Update
- February 2018 Debt Update
- January 2018 Debt Update
- December 2017 Debt Update
- October & November 2017 Debt Update
- July – September 2017 Debt Update
- April – June 2017 Debt Update
- March 2017 Debt Update
- February 2017 Debt Update
- January 2017 Debt Update
With one more month left in 2018, how are you doing on your 2018 debt journey? Let me know in the comments below!