November 2018 Debt & Expense Report [-$68,501]

Quick update for November. How did the Jane’s financial house do? This month’s debt was reduced from $69,324 to $68,501.

Here is a list of my debts with the total amounts and the payment made this month.

Debt(SD: 4/2018)(10/2018)(11/2018)
Auto Loan – Paid off (4/2018)$0$0$0
New Used-Auto Loan$13,071$11,523$11,275
Signature Loan$11,510$8,398$7,907
Student Loans$46,996$45,756$45,697
CC1 – Paid off (5/2018)$740$0$0
CC2 – Paid off (5/2018)$2,401$0$0
Total Debt$81,120$69,324$68,501

*CC3 snowball is behind schedule by approximately $1030.

Monthly Debt Recap for 2018


  • April 2018 [-81,120]
  • May 2018 [-76,840]
  • June 2018 [-73,315]
  • July 2018 [-72,002]
  • August 2018 [-71,311]
  • September 2018 [-70,381]
  • October 2018 [-$69,324]




Auto Gas$205
Entertainment, Home$32
Entertainment, Viagogo$809
Gift, planned$500
Everything Else$100

I sit here in pity with what am I doing wrong – like something is not clicking. But here you see $800 on tickets (I changed my mind on discussing how much I spent for them). $800 hard earned bucks down the drain into nothingness within 2.5 seconds of click, click, click, purchase. Sigh.

Moving on. (I realize that was my emergency fund down the drain).

I continue to mosey along. Nothing exciting but a series of small consistent moves to continue my pursuit towards a life of debt freedom.

Thinking, what are my buckets…


  • Live within my means, frugal (and always a struggle for me)
  • Pay down that debt ferociously (w/out accruing new debt)
  • Save an emergency fund 
  • And try to have some frugal fun along the way (I gloat at this as a getting-there-middle-age woman with expectations that I should be able to throw money around when I hit this age – hard wake up call)

I realize a lot of it has to do with the mindset too. Too often I am pessimistic in my outlook on this personal finance journey. I blame it on my genes (after all, I heard happiness is 50% genes). But if I look at it as an awesome challenge – it would be much more rewarding, mindfully.

Being that I have been doing this movement for so long in trying to make and STICK with proper process, it’s been tiring. So pessimism pursues me.

Perhaps one day I will change to Jane Pursues Lean FI (if retiring early can equate to retiring at 60, then I will add RE to FI to make FIRE).


$5 Saving Challenge


Started to save my $5s 💵. I don’t have a goal in mind. But I have plenty of things I can earmark it for. Like an emergency fund, a potential big goal in mind, holiday fun and more. Whatever shall I do? ⁣ ⁣ I realize funding my Emergency fund would be best. ⁣ ⁣ #debtfreecommunity #debtfreejourney #saving #savings #savingschallenge #5dollarchallenge #masonjar

A post shared by Jane (@frugal2fi) on

Can we talk about this $5 Savings Challenge? Initially I thought it was a good idea, but recent transactions have left me with an abundance of $5s in change. Sounds great right? But I am whittling away my budget way too quick! Which teaches me a couple of things:


  • Pack work breakfasts and lunches
  • Or, don’t buy food at work with a $20 because I Always get $5s back!
  • Start going to the bank for my Cash Budget so I have less $20s to break
  • Be afraid to spend… LOL

I am already up $115 in 3 weeks. Yikes!

I intend to use the funds either to build up my Emergency fund or take down the CC3 Debt. The CC3 needs to be paid off by October 2019 so interest is not accrued.


That’s it for my November debt recap. How was your November?

8 thoughts on “November 2018 Debt & Expense Report [-$68,501]

  • the D number went down, that's what's important. Keep chipping away! Do you still have your CC lying around? Or do you have the number memorized? Let's freeze your card in a block of ice in the freezer and hop on Twitter to find your PF twitter accountability partners (there are a lot of us, tag us!) when you want to buy something non-essential for larger than your designated blow money amount OK? You can do this! BTW no need to tag us if you just want a pack of bubble gum 🙂


  • So tagging for a pack of gum! I’m ready to take on my 2019 power goals. And so great to have accountability friends. The cc issue is having the transfer option available from cc to checking. Working on it! 😉 2019 cash only. Feasible right?


  • Aw thanks Deanna! The $5 challenge is a PITA. It’s stealing my food budget. Haha. Last night’s frugal dinner – baked potato (it was delicious though).


  • Haha! I can see how it could be. WTG on sticking to it. We have a client who writes in a PITA charge for certain vendors. I found that rather funny.


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