The holidays are here. While they come every year, this year everything is more expensive (rising meat prices are going to make many people try to become vegetarians, not to mention groceries in general). Rising gas prices make me question every potential outing, and is putting a serious damper on working side gigs such as Lyft, Uber, Roadie, and Amazon. The last time I drove over an hour for Uber I grossed $22.09…it’s hardly worth it if you have any other options that don’t have so many other hidden costs (wear and tear on body and vehicle, as well as exposure to others in the midst of this ongoing epidemic).
But I digress. Almost everyone is going through the same thing in some form or fashion. All we can do is be kind to one another.
Since it looks like the student loan payments are going to kick back in for real in February, it’s time to do what I can over the next three months. Here’s the plan for November:
This spending plan gives the following approximate breakdown:
- Housing/Utilities – 40%
- Debt – 28%
- Spending – 12%
- Insurance – 8%
- Savings/Sinking Funds – 7%
- Business – 4%
- Obligations – 1%
Since credit card 16’s (judgment free zone, remember) 0% interest rate ended last month, it’s time to throw some “extra” funds towards that. Also, bring in some extra funds.
Have you done your plan for November?