Becoming Debt Free in 2009

November 29, 2008

November Goals – End of the Month Review

Filed under: Budget,Debt,Journey to Debt Freedom — ambercouric @ 9:49 am
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Here are the goals I set out to accomplish for the month of November.  

  • Finish all Christmas shopping by November 30 – Won’t happen since I’m not going shopping this weekend-NOW COMPLETE
  • Pay for all Christmas purchases with cash  – This will be successful – but haven’t actually finished shopping.  – COMPLETE ALL CASH
  • Make no more than 2 trips to the grocery store each week – Almost success – I did make one extra trip but overall this went great.
  • Do not buy any Diet Coke or chips – I did not make extra trips out to get these but I did purchase Diet Coke a couple of times and chips once.  I did this on regular shopping trips.  Also I only purchased one 20oz coke at a time instead of 2-4 12 packs. Success!!!
  • Spend no more than $1000 total on Christmas – This will be successful once I finish shopping- Actually spent about $800 for everything including a few extras.
  • Pay $900 on car – I reduced the car debt by $1,096 BIG SUCCESS

Wow, I think I have impressed myself.  I’m most excited about reducing Diet Coke.   This one small change will add $$$ to the budget each month.

UPDATE:  I went out for a few minutes this afternoon.  I needed to  get something for the new puppy to chew on.  Anyway, the roads were empty and the parking lots for the stores looked pretty empty to so  I ran by the mall and picked up the rest of my Christmas list.   I came in $200 under budget.  It would have been more but I picked up a few things I wanted to give for my 29 Days of Gift Challenge.



  1. I think you did great on your goals. I have one last gift to purchase and since it’s online I can get it done today. First time I’ve finished shopping before Dec! I’m making a few gifts but those will mostly be done this weekend. I’m not doing great on my christmas budget, I think I’ll come in right around it but I wanted to come in under.

    Comment by Miss M — November 29, 2008 @ 4:03 pm

  2. Hi there-what a great month you’ve had!! The car debt repayment is awesome, well done! You’ve done soo well on your Christmas shopping and budget too, great news indeed!

    Comment by sharon rose — November 30, 2008 @ 6:20 am

  3. Great month!!!! That is amazing how well you did on your goals — I will revisit my goals probably tomorrow… I hope I did as well as you did! 😉

    Comment by jpkittie — November 30, 2008 @ 7:59 am

  4. Nicely done! Congrats on meeting your goals – if not all, definitely most of them. What a great feeling to have all your Christmas shopping done, too.

    Comment by Annie — November 30, 2008 @ 12:33 pm

  5. $200 under budget is amazing…you are my hero! 🙂

    Comment by Sharon — November 30, 2008 @ 4:38 pm

  6. Excellent job with your goals this month! That a big Christmas budget, you must have to buy for a lot of people.

    Comment by Mary@SimplyForties — November 30, 2008 @ 7:01 pm

  7. @ Mary – I buy for 6 young children in the family, my 2 teens, my parents, DH parents, and a couple of other people. We tend to save big purchases for Christmas for both of our children so that is where most of the money goes. This is about 1/2 of our usual budget. One thing is we have always paid cash for Christmas. This year I am glad to cut the budget in half and then come in under that.

    Comment by ambercouric — November 30, 2008 @ 7:09 pm

  8. Good blog. I like your honesty on here. Keep it up…I am enjoying your progress.

    Comment by Beef Up Your Piggy — November 30, 2008 @ 9:50 pm

  9. You are doing so great. I am jealous at how much debt you have paid so far. I can’t wait for that great day when you have no more!

    Comment by cheryl — December 1, 2008 @ 5:52 pm

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