Here are the numbers:
| DEBT REPAYMENT | Budgeted | Actual | Leftover |
| Credit Card | $100.00 | $45.00 | $55.00 |
| Personal loan | $250.00 | $250.00 | $0.00 |
| Student loan #1 | $125.00 | $125.00 | $0.00 |
| Student loan #2 | $775.00 | $875.00 | -$100.00 |
| Line of Credit | $230.00 | $50.00 | $180.00 |
| SAVINGS | Budgeted | Actual | Leftover |
| Emergency | $170.00 | $170.00 | $0.00 |
| Savings | $350.00 | $395.00 | -$45.00 |
| Retirement | $10.00 | $81.50 | -$71.50 |
| FOOD | Budgeted | Actual | Leftover |
| Groceries | $90.00 | $0.00 | $90.00 |
| Dining out | $20.00 | $53.01 | -$33.01 |
| LIFE, ETC. | Budgeted | Actual | Leftover |
| Baby Supplies | $460.00 | $470.00 | -$10.00 |
| Health Care | $15.00 | $215.25 | -$200.25 |
| Personal Care | $15.00 | $18.90 | -$3.90 |
| Gas | $175.00 | $138.70 | $36.30 |
| Entertainment | $25.00 | $80.00 | -$55.00 |
| Parking | $20.00 | $9.00 | $11.00 |
| Phone | $80.00 | $80.00 | $0.00 |
| Misc./Cash | $20.00 | $190.61 | -$170.61 |
| TOTALS | $2,930.00 | $3,246.97 | -$316.97 |
Okay - Debt repayment. I sold some things on ebay, and used the extra on my student loan #2. The goal is to get this guy paid off by the end of the year. Unfortunately, I had higher health care expenses, so my line of credit took one for the team.
Savings - It's important to me to get my savings to $1000 ASAP as I'll need it for October/November. Again, from the side hustle, I added a bit extra. I also decided to make a "large" payment to get my RRSP to my goal amount, and I'll probably stop adding to this account until I hit a few more goals.
Life - Nursing bras were on sale online for 60% off! I couldn't resist, and bought one. Well, two actually, but I picked two sizes, and I think I've put on enough weight that only one will fit. Luckily the cost of the two bras plus shipping is less than one full price bra so I'll be okay with my mistake. Mostly, I'm happy in this category. I know I made a few mistakes as I had a bit of an emotional breakdown. There was one day this week I wanted to give up, and insisted on not getting out of bed until my debt was paid off or I stopped gaining weight and my clothes fit. The next day had a bunch of splurges, mostly on the kidlet like ice cream, and new clothes.
What about the overall numbers?
Total debt June 30th $49,140
July 31st $ 48,315
Total debt reduction: $815
(really feels like it should be higher, but not bad considering it's 30% of my income.)
Total ca$h: June 30th: $584
July 31st: $1195
Total increase: $611
Meaning my next savings increase/debt decrease was about $1400. Much better, and (almost) fits my goal of reducing my debt $1500/month for June, July, August and September.
How was your July for you? Do you justify using credit for medical expenses (like I do) or go without (hopefully not in much pain!)?
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