July 2014 Monthly Budget Review

It's been a surreal period of time, friends. This time last week I was carefully crafting a farewell email to my colleagues. Seven-and-a-half years is a long time to stay at any job, especially when you're only thirty. I'm still in the process of letting go.

After alluding to upcoming career changes by stating that I no longer feared job burnout and metaphorically comparing myself to the overgrown succulent living in my bathroom, I quit my job.

My initial reaction was to quickly calculate my bare bones budget, but I've since realized that I'll likely need to spend more than usual to maintain my network.

Since last Friday, I've co-hosted a twelve hour long boozy brunch, exercised more than I did the entire month of July, cooked lunch every day, watched Dawson's Creek with my cat, and perused the East Nashville Farmers Market.

Funemployment, indeed.

Screen Shot 2014-08-14 at 8.25.46 PM

The Budget Recap:

Ouch. Another rough month for the budget. I actually had to cut into this month's savings to pay for the thermostat exploding, replacing our exterior lights, and my exorbitant food & drink budget.

Personal Care: deodorant ($5.12)

Household: $193.89 (outdoor lights), $108.71 (ladder), $136.02 (Nest thermostat)

Gifts: $60 (bachelorette weekend), $16.39 (thank you cards), $2 (postage), $5 (donation)

Other One Time Expenses: $2 (parking), $7.40 (flights), $20 (dermatology appointment), $34 (coffee)

Other Goals:

Cashville Skyline

July posts: 7 (June posts: 8 / May posts: 4)

Most popular post: Holding Myself Accountable: My Six Month Blogiversary

Alexa ranking: 206,731 as of 8/14 (June: 188,903 / May: 175,548)

twitter followers: 1,201 (June: 1,024 / May: 866)

Facebook likes: 12 (June: 10 / May: 10)

Cumulative Adsense earnings: $23.18 (+ $9.77 from last month)

Education

I've made it almost all the way through the Google Analytics classes! It's a massive amount of information to digest, but I'd highly recommend it to any blogger. Bonus: it's free!

Also, I've downloaded and subscribed to Adobe's Creative Cloud for Photoshop. I'm looking forward to continuing to work on my graphic design skills with my newfound free time.

Health

I've renewed my YMCA membership ($37.80/month) and renewed my Nashville b-cycle membership ($50/year).

Also, I've downloaded the Pact app. Have you heard of it? You can earn money for living healthy, paid by Pact members who don't. Pacts include working out, tracking food, or eating fruits and vegetables. I've currently set my Pact to exercising five days per week with a $5 fee for missed workouts. If that doesn't motivate me, I don't know what will.

July Goals:

1. Exercise at least three times per week. FAIL
2. Give up refined sugar and white flour. FAIL
3. Research and purchase another dividend growth stock for portfolio with $1,000. SCORE!
4. Complete at least one portion of the Digital Marketing Bootcamp. SCORE!
5. Continue moving forward with basement renovation project. IN PROGRESS
6. De-clutter and sell at least two things. IN PROGRESS

August Goals:

With only two weeks left of August, I've got two simple (but challenging) goals.

1. Don't get charged any money by Pact.
2. Don't dip into my savings to cover this month's expenses.

Readers: How's August treating you so far? Any improvements you're planning to make during the second half of the month?

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Discussions — 35 Responses

  • Lauren August 15, 2014 on 8:17 am

    A 12 hour brunch?! That might be a record setter 😀 August is going by so quickly. This summer has really been flying by.

    Reply
    • Addison Cash Lauren August 23, 2014 on 5:07 pm

      As long is there is a fresh supply of tasty drinks, I’ve found that brunches tend to last longer than you might expect!

      Reply
  • Kassandra August 15, 2014 on 8:41 am

    So far August is going pretty well although we have our annual life insurance policy premium due so that’s a chunk extra in spending. I prefer to pay our insurance policies annually to save on any monthly processing fees.

    Reply
    • Addison Cash Kassandra August 23, 2014 on 5:07 pm

      I do the same thing with my car insurance bill, Kassandra. I save for it each month and pay annually to cut down on those extra fees.

      Reply
  • Will @firstqfinance August 15, 2014 on 8:57 am

    Man, you’re killing it! Congratulations!!!

    Reply
    • Addison Cash Will @firstqfinance August 23, 2014 on 5:08 pm

      Thanks for commenting, Will. I hope you’re having a great weekend.

      Reply
  • Tonya@Budget and the Beach August 15, 2014 on 9:00 am

    I was thinking what Lauren was thinking, “12 hours!” Awesome! 🙂 I’ve used gym pact before (is that what you’re doing) and it really does help you stay accountable. I’ve been thinking of learning google analytics too but I’m just scared. lol! But I figure it could come in handy if a blog job ever comes up. August spending wise is going great…earning wise….sigh…

    Reply
    • Addison Cash Tonya@Budget and the Beach August 23, 2014 on 5:09 pm

      Understanding Google Analytics would be incredibly helpful for a blogging job. The course has a lot of information, but it’s broken down into smaller, more digestible videos. Gym pact rocks. My only regret is not trying it sooner!

      Reply
  • Mrs. Frugalwoods August 15, 2014 on 10:28 am

    So what I really want to know is how to get invited to your next 12-hour long boozy brunch… ;). That google analytics class is intriguing–I’ll have to look into it!

    Reply
    • Addison Cash Mrs. Frugalwoods August 23, 2014 on 5:10 pm

      I love a good boozy brunch! I highly recommend the Google Analytics class. Still completing it, but I’ve learned a ton.

      Reply
  • Shannon @ Financially Blonde August 15, 2014 on 11:42 am

    I have never heard of the Google Analytics class, but it would probably be worth my time since I have no clue about how people get to my site other than looking for me and people’s links. Your funemployment sounds like it’s off to a great start!! The last time I was between jobs I was so stressed that I didn’t enjoy the time off enough. Looking back, I wish I embraced that downtime more. I hope you have an awesome weekend!

    Reply
    • Addison Cash Shannon @ Financially Blonde August 23, 2014 on 5:20 pm

      It’s very helpful, Shannon. Last time I was unemployed was right out of college and I definitely didn’t enjoy my month off. I was worried about securing my next job!

      Reply
  • Weekend Reading – August 15, 2014 August 15, 2014 on 12:33 pm

    […] Holding Myself Accountable: the (Belated) July Review Addison released the update on her July budget. Though she exceeded her budget by a fairly healthy amount, it seems she’s having a great time during her recent transition in life as she figures out what’s next. I find it’s during times of transition that we find out who we really are and what we want, readying ourselves for another 5-10 years before possibly re-evaluating. […]

    Reply
  • Eli Inkrot August 15, 2014 on 1:13 pm

    Good stuff. Having just started a website myself, I might have to steal (borrow / emulate / flatter / whatever you want to call it) this monthly review. Keep it going!

    Reply
  • Stefanie @ The Broke and Beautiful Life August 15, 2014 on 5:31 pm

    Food and drink are my budget killers too, especially in the celebratory months of summer.

    Reply
    • Addison Cash Stefanie @ The Broke and Beautiful Life August 23, 2014 on 5:22 pm

      It’s such a challenge not to overindulge!

      Reply
  • E.M. August 15, 2014 on 9:29 pm

    A 12 hour boozy brunch sounds awesome. You do such a great job of tracking your spending! Google Analytics seems so complicated at first glance. You should do a little series on what you learned =). Good luck with the rest of August!

    Reply
    • Addison Cash E.M. August 23, 2014 on 5:29 pm

      Thanks so much for the kind words, E.M. I can’t wait to make some kind of spending chart at the end of this year. I think it will be super motivating for 2015. How am I already thinking about next year?!

      Reply
  • May August 16, 2014 on 9:15 am

    So jealous! I look forward to the day I quit. I can’t wait to see how things go for you.

    Reply
    • Addison Cash May August 23, 2014 on 5:28 pm

      Thanks for the encouragement, May. I’m excited!

      Reply
  • Asset-Grinder August 16, 2014 on 3:53 pm

    Instead of having amonthly gym fee I buy a pack of 10 discounted drop in passes at the rec center. For me it is much more flexible especially if I dont go to the gym for the month as I pay for only what I use at 5$ a pop. So if you go to the gym lessthan 7 times a month you can save some money there.

    Reply
    • Addison Cash Asset-Grinder August 23, 2014 on 5:28 pm

      Great tip, Asset-Grinder! I’ll have to look into that option at some of my local gyms.

      Reply
  • Kay @ Green Money Stream August 16, 2014 on 5:43 pm

    I haven’t heard of pact, but maybe I should try it. Sounds like it could really help with accountability. Which stock did you buy?

    August is going well here so far. The little farm stand we have is bringing in a little extra cash!

    Reply
    • Addison Cash Kay @ Green Money Stream August 23, 2014 on 5:27 pm

      I purchased JNJ last month! Sadly, I won’t be able to purchase any stocks for the month of August, but I am looking forward to getting back into the game as soon as possible.

      Reply
  • Liz August 16, 2014 on 6:08 pm

    I really need to sign up for the google analytics class. I think I could learn so much! I can’t believe August is half over. Where is the time going?!

    Reply
    • Addison Cash Liz August 23, 2014 on 5:26 pm

      I can’t believe it either, Liz. Highly recommend Google Analytics. So much information to digest, but it’s very helpful.

      Reply
  • debt debs August 17, 2014 on 12:38 pm

    Well it sounds like you are making some good progress with your time off, Addison! It’s nice to have some long periods where you can focus. I hope it continues to help you get where you want to go. Now here’s my dumb question, if you don’t mind me asking, how are you able to cover your expenses without dipping into your savings if you are not working?

    Reply
    • Addison Cash debt debs August 23, 2014 on 5:25 pm

      Great question, Deb! I had some income from my old job and was hoping to side hustle my way through the rest of my expenses. Probably a little too overly optimistic!

      Reply
  • Ryan S @ Impersonal Finance August 19, 2014 on 12:07 pm

    These summer months are seriously rough on the food and drink budget. And I’m seriously going to have to get started on those Analytics courses! I’m inspired now that you’ve made it through (plus you gave a pretty good pitch at Mitchell’s Deli). And I haven’t heard about Pact, but I’m definitely going to check it out. It might be the motivation I need to keep on track with my exercise goals.

    Reply
    • Addison Cash Ryan S @ Impersonal Finance August 23, 2014 on 5:24 pm

      Pact has been fantastic! I can’t believe how much not losing $5 makes a difference! 🙂

      Reply
  • Anne @ Money Propeller August 19, 2014 on 12:11 pm

    If you ever need anyone to attend your brunches in the future, let me know!!
    That’s quite a month of change! I started the adsense courses, but like you said, they provide a ton of info. I think I’m too intimidated to start the analytics ones… maybe in a few months when I have a few more things under control.

    Reply
    • Addison Cash Anne @ Money Propeller August 23, 2014 on 5:23 pm

      I’m still working on Google Analytics and look forward to working through AdWords next. Best of luck, Anne!

      Reply
  • Roundup From the Ranch: Funemployment Edition - Cashville Skyline December 21, 2015 on 1:59 pm

    […] Holding Myself Accountable: the (Belated) July Review […]

    Reply