This blog post contains affiliate links. If you follow those links and purchase the product I make a small profit. Thank you for the support!

The final month of 2019 is here!

November wasn’t bad, but it wasn’t great either.

This update is going to LOOK bad since my debt increased, but that is because I have not transferred my sinking funds over yet to cover my purchases.

Side note: I have multiple sinking funds in a high-yield savings account (Marcus by Goldman Sachs) that I fund automatically on the 1st of every month. I keep the money in there to accrue interest and then it takes a few days for the money to become ‘available.’ That is why I wait to cover my charges.

However, I have realized something REALLY needs to change.

Due to multiple setbacks over the last few months, I’m having a hard time getting ahead or back on track.

These setbacks include legal issues, car problems, and a root canal.

I’m feeling hopeful though and I know what I need to change.

I will still make some progress by the end of the year and that’s all that matters.


Current FICO Score: 701
Current Debt: $58,943.71
Roth IRA Value: $2,706.63


My credit limit increased on 2 cards

My total credit limit increased by $3,600 on 2 of my credit cards. I don’t plan on using this increase, but it will help my credit.

I’m realizing what needs to change

I’m committing to a No/Low Spend 2020! I have some exceptions, but I think this will help me a lot. I will write a separate post on this.

I am also going to start taking my budget seriously when it comes to groceries and want to see if I can reduce my electricity and water bills at all.

I need to work on my money mindset as well because I CONSTANTLY think about money.


My credit score decreased

My credit score decreased because I charged all of my Christmas gift purchases to them. As I mentioned above, I haven’t transferred my sinking funds to my checkings to pay those purchases off yet. I will early December.

The other problem is that I had to charge other things as well (see below).

Legal issues

The legal issues are the main problem right now. NEVER. CO-SIGN. ON. A. CAR. PEOPLE.

This is costing me more and more money and it’s SUCH a headache.

My debt increased

Obviously, my debt increased a bit this month because of these extra charges. I’m not happy about it but whatever.

To be honest I never should have done a balance transfer of my student loans to my credit cards. It has really set me back. I’ll write more about this in a separate post.

My car battery died

My car battery died. We were able to jump it after about an hour of charging and I made it safely to the dealership for them to replace it.

I was a bit upset but I’m glad I was with my sister at the time and we had the time to jump it. Now I have peace of mind that it won’t die on me for awhile.


Savings/Sinking Funds: ($1,632) I’m not including this in my “spending” total because it’s not actually spending. $200 went to my sinking funds. The rest is for my taxes.

Investing: ($100) I automatically invest $100 into my Roth IRA each month.

Donate: ($60) Every month I want to donate at least $50. This month I donated at The Veg Fest ($10) and then I purchased about $50 worth of dog/cat food, blankets, treats, etc. for an animal shelter.

Rent: ($1,316) The cost of my one bedroom one bath apartment near Atlanta, GA!

Renter’s insurance: ($16.66) I am required to have renter’s insurance for my apartment.

Trash: ($35) Valet trash is mandatory at my apartment. Dumb, I know.

Wi-fi: ($50) I have Google Fiber. It is $50 a month.

Electricity: ($49.84) My electricity bill.

Water: ($35.70) My water bill.

Food: ($316.18) This is all on groceries.

Gas: ($52.10) I got gas twice.

Health: ($118.22) This includes my Ritual multivitamins ($32.40). I also purchased a few other vitamins/supplements that I ran out of (Probiotics, B12, etc.)

Car: ($513.80) My minimum car payment ($382.55) + a new car battery.

Student Loan Debt: ($301.14) This is my new minimum student loan payment. I didn’t put any extra toward my loans since they’re technically on my credit cards now.

Credit Card Debt: ($350) I paid off my Barclays Apple card. I’ve still been having a hard time putting extra to the balance transfers on my credit cards.

Insurance: ($147.15) This includes vision, dental, and life insurance. I have health insurance through work on top of my salary which is really nice.

Business: ($320.07) This includes paying for Tailwind and GSuite. I also purchased a year of Teachable.

Google Play: ($0) I have canceled GP for now because I am using a free trial of Spotify for another month.

Lor (Phone bill/car insurance): ($277) Lor = my sister. She pays my phone bill so I pay her for that. I also pay for my dad and step mom’s phone bills because my dad pays for my car insurance…the costs basically equal out. I pay an extra $50 to help her out with our dogs.

Other: ($881.15) This category basically includes unnecessary spending. 

I bought:
-Natalie Bacon Coaching – $49
-LUSH – $82.66
-Empowered Women’s Event – $22.85
-Wal-Mart – About $50 (new planner, a gift, bulletin board, binder, etc.)
-Jumper cables – $26.72
-Ebooks – $1.71 (I actually got 14 books for this price on Amazon!)
-Goodwill (with the intention of flipping) – $39.16
-Sage and palo santo- $8
-Sleeping pillows – $28.99
-Mail – $1.15
-Sneakers – $84.24
-Headache essential oil roller – $30.47
-Bath & Body Works – $20.25
-Kitchen mixer – $14.75
-Baking pans – $12.94
-Interest – $15.08 NOT GOOD

Excluding my savings and debt I spent a total of $3,675.07.

This might be a little off because I think I didn’t include my car battery in this. It may be a little bit higher.

Let’s Review my November Goals

  • Get my total debt under $58K FAIL
  • Spend less than $300 on food FAIL

December Goals

  • Get my total debt under $58K
  • Launch my personal finance YouTube channel
  • Get clear about my No Spend Year 2020

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.