Sallie & Perkins: October Progress…or Failure?

Guess who's back? Back again. Yes, we're back, this was the month of spend.

Yup, you read that correctly. This month was not our best. In fact, it was downright awful and we're not proud to tell you that. But, this blog is a real story about real people and we make mistakes and don't always stay on track. So yeah, we're a little ashamed to show our faces today.
It wasn't one big thing this month, it was those little things that sneak up on you. It's the crazy schedule of football season that causes us to cook at home less, and grab something "easy" while we're out. It's the birthday gifts we went a little overboard on, even though we had a specific gift budget we swore we'd stick to. It was a quick roadtrip with expensive gas prices & a hotel. It was purchasing a few Christmas gifts in advance-- while not a bad thing, it was an added expense this month. It was a blate with lots of awesome girls. It was an oil change and minor car repairs.

All things we had the money for, and all things that were relatively inexpensive, but we didn't stick to our budget like we'd been doing in previous months. So, how did we do overall?

Sallie & Perkins paid of $1,878.80 worth of debt in October 2013!!

So, all in all? Not too shabby, and that's still almost an extra $1,500 over our minimum payments. Did we wish it was more? Absolutely. Are we ready to attack November like never before? You know it. Seeing our "failure" this month has motivated us more than ever to spend as little as possible next month, especially in preparation of the holidays which will inevitably cost more money than other months.
This post today, is mainly to motivate anyone out there who is struggling to start a budget, stick to a budget, stick to a no-spend month. Anything at all. Just know- you aren't going to be perfect every single month or week. We could have went spend-crazy once we realized we were over budget this month and just said "screw it!" but we didn't. We kept at it, even though we knew we were going to come up short of our monthly goals. It was still a step forward, just a smaller one than most months. No need to dwell on it, no need to get down on ourselves too much- it was still progress.

Most of the time it can easily take 2-3 months to get into regular budgeting/spending habits anyway! So keep at it! Don't let one splurge make you feel like you ruined the whole thing. Don't let one unexpected expense get you down. Keep working. We're still on our path to becoming debt free and one "failure" of a month won't get in our way!

35 comments

  1. Paying off an extra $1,500 of debt in ONE MONTH IS HUUUUGE!!!! You are so right. It's not a failure though, you guys are KILLING it every single month!! SO proud of you and Ja--- I mean, Perkins ;)

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  2. Wow. THat's still a ton of money that you paid off! Love that you are keepin it real though! =D

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  3. I'm with these two ladies.... It's still GREAT you put that much extra money down and it's great that you know where you might have "messed up" and you can hop right back on track! You guys are inspiring!!

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  4. You guys are incredible!! I love that you aren't afraid to share with us when you "fail" because that shows us that you are REAL! I feel like so often I read blogs about saving money and becoming debt free and I think to myself, "good grief, if only I were as perfect as you" because it seems like those people never screw up. This is SO encouraging! andddd $1,500 in one month? WOOT! keep it up!!!!!

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  5. I'll follow suit with the four women above me. You guys still did a tremendous job, $1500 is incredible and I congratulate you both!! It's so easy to focus on the negative, but you've gained so many positives too. You have your Christmas gifts, whoever you splurged on for their birthday LOVES you for it, you got to take a trip!!, and a blate that you will always remember. (As for the oil change and repairs, of course that's life.) I'm super impressed that despite over spending, you still managed to put forth that much to pay off bills!! Don't beat yourselves up about it!!

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  6. I've said it before & I'll say it again - Yall are such an inspiration!

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  7. You still did great! This was our first month with a budget, doing most things in cash, and actually trying to limit ourselves. We do have more in the bank at the end of the month than we normally do, but we still went over budget in a few "fun" areas and definitely in gas. I didn't realize how much we spent on gas, dang! I'm really glad I have found your blog because you're definitely an inspiration!

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  8. Dude, do NOT get down on yourselves. I think you still had an amazing month!

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  9. That's still an amazing month! You guys are such a positive influence to young couples in today's society.

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  10. You guys deserve a "cheat month"!!! It's so great that you didn't just say "screw it" for the whole month even when you were already spending more than you planned! You still had a goal. You're doing awesome!!!! Keep it up! :)

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  11. That's still a ton to put towards debt..way to go! And I think you guys weren't alone.. We booked tickets to go home for Christmas, husband's birthday, early Christmas presents, vet bills..sometimes these things just sneak up on you then add up. Keep up the great work and thanks for the motivation!

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  12. This is seriously so encouraging. I try hard to stay on a budget and then a sweater with elbow patches catches my eye and it is all downhill. November I am going to do BETTER!

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  13. You two are VERY hard on yourselves if you see that as a failure!! YOU DID AMAZING!!!! Maybe I should show you my expense spreadsheet for the month to make youselves feel better. We ate out/got take out at least 4 nights a week, I bought 2 pairs of shoes that I didnt need and gifts for people when it wasn't even their birthday! Haha. I've been a bad girl. I will go sit in the corner now.

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  14. I love that you are so honest about this!!! And that is still an amazing savings!!! And it happens to all of us, especially w. Christimas right around the corner!!

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  15. It's hard to put those "failures" out in the blog world, heaven forbid we don't all appear perfect. Proud of you guys for paying off as much as you did even after not sticking to the budget. Inspiration to us all!

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  16. I think you did amazing even if it wasn't as good as previous months, I think as the holidays get closer everyone's spending creeps up. Like you said if you don't give up or feel like a failure you'll reach your goal eventually!

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  17. Oh I have got to dig in and read more of this series. I'm an inspired!! Good for ya'll!! This time of year spending always gets away from us too.

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  18. Thanks for keeping it real around here Sally and Perkins! I'm glad you guys kept with it despite the hiccups! The end of the month got me this time..but I'm ready to tackle November! That's when I have to start paying eeek :(

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  19. I'd call it a success! $1800 is a pretty pretty penny, my friend! Kudos to you two for a) keeping it up b) ROCKING it out and c) paying these nice, big chunks every month!

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  20. I'm still stunned! I'd love to pay off that much more! Can't wait to get back to work so I can work on it...though it is hard with the birthdays and holidays approaching!

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  21. you call paying off that much debt a bad month?! no way! totally a win!

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  22. I call it a win! That's an amazing amount to put down towards your student loans! Y'all are rockin' it!

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  23. We are working on getting into a budget routine. Neither of us have had to "split" money like this before... living with roommates is so different that living with a spouse! What's yours is mine, lol. I think y'all still great this month! :)

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  24. I still think you guys are doing awesome!! I've been doing strict budgeting too but splurged a little bit this month on some Christmas gifts. They were on sale which is why I bought them early, but I hadn't budgeted for them and it was so hard for me to put that into my spreadsheet! I might need to loosen up a little bit! :-)

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  25. That is ridiculously awesome friend. No sad faces needed. Y'all are awesome. I would love for Michael and I to be able to put that towards our savings or repairs we need around the house. I am hoping to join you on this budget idea thing soon. I am thinking it's going to be one of my new year's resolutions. YAY SandP!

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  26. If that's a "failure" then I think that's the best failure ever. Good job you two! And totally worth it for the blate right? :)

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  27. These Sallie & Perkins posts make me feel like it is doable to pay off the staggering amount of student loans I will have to start paying back when I graduate in May!
    These were also the first posts I've read by you, so I assumed you and your husband really dressed like that until I became a regular reader haha.

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    1. It IS doable, I promise. We have huge amounts of loans, but have been amazed at what we were able to do once we really set our minds to getting out of debt as soon as possible. I'd love to chat more with you, but I couldn't find your email address!!

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    2. Oh, I thought I had my email listed! It's stephlbroo@gmail.com. I'd love to chat with you anytime! The idea of having student loan payments was making graduation seem like a daunting task, not a monumental accomplishment, but this blog has eased my nerves haha.

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  28. I love these post! Z and I are going to start after Christmas trying to pay our car off so if and when baby G comes we only have our house payment!

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  29. You guys still kicked butt this month even if it was a "failure" compared to other months. Thanks for being honest though since it definitely helps knowing I'm not the only one that doesn't always stick to my goals. Now lets get back on track for November! :)

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  30. Holy moley, paying off over $1500 is AMAZING what you talkin' about Willis?! So proud of you guys!!! Just think, you're going to do even better next month - y'all got this!

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  31. solid performance girlfriend. did i tell you that i promised myself i would pay off my $20k of debt before i married my farmer? i did it in 14 months and am surprised i didn't starve to death on my monthly grocery bill of $50 a month. i look back on that life and chuckle. but man does it feel good to be debt free…minus my $3k of student loans i still have…but that's down from $22k! you're a rock star…you and that handsome fella.

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  32. Thanks for sharing! We didn't do great this month either, but we'll get it next month!

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  33. What really impressive is that even though it was a month of spending, y'all still did a great job in the amount of debt you paid off! You're doing awesome and still having a blast while saving money! Yay!

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Thanks SO much for taking the time to read and comment on my blog! I read each one and love to respond and chat with you! :)