It’s a day early but I won’t be making any purchases tomorrow, so before I forget, here we go! My net worth increased by about 5.7% in September.  This month I went over budget by about $200. Exactly $140 of that can be explained by the renewal of my passport. Some months I am able to stay within the confines of my budget, others not quite. I guess it’s a good cut off point since it’s challenging yet obtainable. I’m living on a bare bones budget and even though I do go over from time to time, I’m quite pleased since I live in one of the most expensive cities in the nation.

I mentioned in my previous post there will be some changes to how I save. I will try diligently to start saving for a downpayment on a condo.  I really would like to move into a 1 bedroom place, at $2,500/month on average it makes more sense to go ahead and buy. I’ve crunched the numbers. I expect to be able to save $350 a month on my current income. After my pay raise, I expect my ability t save to be $1,000/month.