July 2015 Accountability

July 2015Welcome to the July 2015 Accountability & Budget Recap post!

It’s been a while (I didn’t even bother posting a Budget for July at the beginning of the month!), but I’m getting back in the swing of things now….

Well, we’re over halfway through the year now, and I have mixed emotions about it all. In some ways we haven’t done nearly what I would have hoped, and in others we did better than I might have thought. My eye is on the prize, though, which is to be debt-free as soon as possible. And that time still seems impossibly far away. Well, let’s get to it!

This post is broken into two sections: Budget and Debt Eradication.

Budget Accountability for July 2015:

Note: We spent two weeks traveling – one of those weeks was in France! The money included in the Travel Budget was all money that had been saved in another account. We moved it to our Checking Account before we left. Sadly, all of this extra spending (even though we saved for it) did affect our net income for the month, and so we had a repeat of last month. Boo!


  • We were under budget overall. YES! It wasn’t easy.
  • We came under budget for traveling, yay!
  • We also came in $100 under on our utilities – this was because I had worried that our electric bill would go up from having the air on in June & July, but I was very pleasantly surprised! Hopefully we can keep up this trend….


  • Our groceries and eating out budgets were broken out this time around, because I knew we’d be eating on the road while traveling. The restaurants category does NOT include eating out in France – that was all in our travel budget instead. We did have to restock our fridge and get some pantry items when we returned home, so I did go over a little bit on the grocery side of things. In addition, the restaurants became an issue when we were invited out to a friend’s celebration party at a restaurant and we didn’t have time to grab any food before we had to be there. That meant that we ate some delicious, delicious food there…. fish tacos…. mmmmmmm.
  • There were lots of Slush fund purchases this month: got a hair cut, bought a dress, got a tv antenna so we could watch one of the World Cup games, etc.

Our Budget Changes for July

  • The Travel budget was a one-time thing.
  • Although it looks like we stayed under for Home Services, in fact, we just didn’t pay one of the bills this month. Instead, we will be giving them more next month (which has made next month’s budget even tighter than expected – ugh!).


Debt Eradication for June 2015: $1,454.00

Debt Eradication:
  • $1252.62 extra payment sent to Loan 1 & Loan 2

June 2015 Net Income: -$577.13

Snowflaking: $292.02 (all of this went into our Student Loan Debt Eradication Fund – if it was prior to the middle of the month, it became part of the big supplemental payment we made; if it was after the middle of the month, it’s still hanging out in the account to be used in August)

  • $110.72 – leftover from our June paychecks (we snowflake any amount over $5000)
  • $167.86 – reimbursement for conference registration from H’s work
  • $12.82 – consigning
  • $0.62 – interest income on our checking accounts

2015 Consigning Totals: 
I’m curious about how much we will make in one year by consigning our clothing and L’s old toys at my favorite consigning store (and any other sales, if I decide to participate). 
  • $0 (January)
  • $56 (February) – this was unusually high!
  • $20 (March) – woot!
  • $80.31 (April) – yay!
  • $44.20 (May) – whee!
  • $20 (June) – woohoo!
  • $12.82 (July) – what what!

2015 Consigning total so far: $233.33


2015 Mintly Snowflaking Goal Progress:

My goal originally was to snowflake at least $50 per month, for a yearly total of $600. As you can see, we’re doing better than that, so far:
  • $110.01 (January)
  • $929.75 (February)
  • $649.58 (March)
  • $534.50 (April)
  • $289.84 (May)
  • $273.91 (June)
  • $292.02 (July)

2015 Snowflaking total so far: $3,079.61

To see more 2015 Mintly Goals, please click here.

Life Accomplishments this Month:

  • Went to FRAAAAAANCE and decided we could totally live there. Except that I can’t do my job remotely. And neither can H. And my parents would be devastated. I drank espresso and had croissants nearly every day, but then walked the equivalent of twenty-two million miles each day, so I think it evened out. We discovered that eating out in France (or at least where we were in France) means setting aside an entire two hours (or more) to eat. It’s very relaxed there… a really fantastic vacation, all because H had a conference there! (We’re already starting to save up our Chase Travel Rewards points for our next overseas trip, when the conference will take place again in three years… but not in France, sadly.)

TL;DR: Negative net income but stayed in budget overall, for second month in a row. Went to France and was amazed. 

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