10/30/2020
It's almost November can you believe it?! Let's talk November Goals.⠀
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August, September, and October have done a number on my budget. A lot of unexpected things happened that I didn't budget correctly for. People came into town, my health went south on me, and my stress hit my pocketbook hard. But it wasn't all bad. I still managed to save $5000, knock a big chunk off my student loan, and I didn't relapse into debt just because I blew my budget. ⠀
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Sometimes even the best-laid plans fail. But that doesn't mean you shouldn't keep planning and keep establishing goals. So here we are, with 2 months left in 2020, making November goals, and I feel pumped about it. ⠀
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This month mine are: ⠀
1️⃣Get my 2nd side hustle off the ground. I've been working on an idea for a couple of months and now is the time to start. Remember if you don't start, you can't succeed so if you've been having dreams of starting a side hustle but you're just waiting for a sign to kick it off - here is your sign. ⠀
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2️⃣Increase my contribution to my FSA. This is something we often don't talk about when we talk about budgets but you need to budget for things that might come out of your paycheck pre-tax (aka 401K, IRA, HSA, or FSA contributions). Unfortunately this year I underestimated my FSA contributions. However, because of all the virus stuff happening, I can increase my contributions this month (which you usually can only do annually) so I am going to increase how much I put away pre-tax through the end of the year. ⠀
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3️⃣Sell my car and get a "new" (aka used) SUV for a net $0 transaction. I love my car but it turned 10 years old this month and it is no longer serving my needs. We do a lot of road tripping with our dogs so we need a vehicle with a little more space & 4 wheel drive to continue to do the things we love. So I'm looking to pass my car along to someone else who would love it and get a car that better fits our lifestyle. ⠀
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What are your November goals? Comment below!⠀
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