January 2014 Results

January is officially over! Here is my total January review:

2014 Goals:

1. Increase savings account to $1,000 - PASS - Savings aren't up to $1,000 yet but I have made progress in that direction.
2. Demolish $10,000 worth of debt (This goal may have to be revised throughout the year as I have no idea yet how quickly I will be paying off principle and how much interest I will be accruing each month) - FAIL - In order to be on-target for this goal, I would have to pay off $833.33/month. My total debt only decreased $146.33 in January. I will work harder in the future months.
3. NO OVERDRAFT FEES! They are just dumb and if I'm following the budget I've laid out they should not occur. - PASS - I didn't occur any in January.
4. Clear out clutter (This may need to be more specific but I currently have no idea how to do that) This goal also includes using the 1 in 1 out rule thus not undoing my clutter progress each time new items come into my home. - PASS - I cleared out lots of things and used the 1 in 1 out rule!
5. Continue going to Crossfit (affiliate link) 3x/week - PASSish - Some weeks I get in 2 some weeks 4, but it averages to 3/week.
6. Paleo (affiliate link) 80/20 and eat down my non-Paleo food stores without replacement (except for the occasional treat of course ;) ) - PASSish - I didn't do Paleo, but I am eating down my stores without replacement.
7. Loose weight and continue to tone-up - PASS - I don't think I lost a monumental amount of weight but my clothes are still fitting better and better.
8. Continue to NOT chew my fingernails (Yes I am a recently reformed fingernail biter) - PASS - What can I say, I didn't bite them.
9. More books, shoes and clothes out of my horde than new ones coming in, this kinda goes along with #3 but I need to be focused on these items especially as they are a big issue for me - PASS - 20 pairs of shoes gone, net reduction of 11 books, some clothes gone but I'm not done yet!
10. Read 52 books in 2014, that averages to 1/week - PASS - I am currently on track for this goal.
11. Find areas to scale back involvement so I have more free time at home - PASSish - I had more evenings at home in January than previously. I will continue to work on this goal.
12. Spend more time with family, friends and my pets! - PASSish - See #11 above.

Debt Totals:

12/31/2013 - $137,669.04 (including mortgage)
                     $18,905.74 (w/o mortgage)

1/31/2014 - $137,522.71 (including mortgage)
                   $18,966.10 (w/o mortgage)

Difference - -$146.33 including mortgage
                      $60.36 increase w/o mortgage

Savings:

12/31/2013 - $254.46
1/31/2014 - $391.05
Difference - $136.59 increase

Budget:

Category	Monthly Total	Spent	Remaining
Giving	$10.00	$10.00	-
Saving	$50.00	$50.00+	-
Mortgage	$755.00	$854.65	-$99.65
House Repairs	$25.00	-	$25.00
City Bill	$125.00	$99.43	$25.57
Gas	$50.00	$56.00	-$6.00
Cable	$78.00	$61.27	$16.73
Internet	$52.00	$51.87	$0.13
Phone	$95.00	$138.90	-$43.90
Food	$160.00	$159.42	$0.58
Transportation – Gas	$90.00	$73.00	$17.00
Car Repairs	$15.00	$15.00+	-
Car Insurance	$93.00	$93.44	-$0.44
Clothes and Hair	$25.00	$25.00	-
Pets	$25.00	$25.00	-
Household	$15.00	$10.00	$5.00
Personal	$20.00	$20.00	-
Crossfit	$80.00	$80.00	-
Cleaning	$72.00	$36.00	$36.00
Debt	$688.10	$688.10	-
TOTAL	$2,523.10	$2,547.08	-$23.98