Hi girl gang! I’ve been on a bit of an impromptu hiatus but ya girl is back. I’ve decided to rebrand the blog (again lol) and going for a more neutral aesthetic. You like?

September was super crazy for me – I was featured in NEW YORK MAGAZINE! How insane? It was my first paid modeling gig and it was for a mask hat so you barely see my face but I’m excited about it none the less.

I ~obviously~ didn’t post my August budget so these September numbers are very scary but without further ado let’s dive in.

September 2020 Expenses

Paying down debt is a bitch and it’s driving my expense up like crazy! I spent $1,000 this month paying down on my student loans. I’m not going to lie when I first saw this number I was in complete shock. I thought I had gone on a shopping spree and had nothing to show for it. But atlas it’s my past eating up my present money – that’s why debt sucks.

Fun things I did purchase was this ikea jonaxel storage system that fits perfectly in my closet. I spent a weekend doing the Marie Kondo method and cleaning out my closet it was so satisfying!

September 2020 Savings

My savings this month was significantly less than what I typically like to see. This is because I had to rearrange my savings habits in order to free up some cash to pay down my student loan debt. It’s definitely taking some getting used to.

The one thing that gives me peace of mind is that I’m more than half way to my Bad Bitch Account savings goal. I hit my 2020 goal of saving $10,000 and looking forward to hitting $20,000 in 2021. This has allowed me to mentally pump the brakes a bit when it comes to saving.

Fun fact: it’s suggested that you save 20% of your income. I feel comfortable when I’m saving 30-40% lol I have a problem.

September 2020 Investments

Likewise, I’m not investing as much as I typically do in order to pay down my student loan debt. I can’t wait til I never have to utter those words again. My motto here is something is better than nothing.

Some minor adjustments I did make going into October – I increased my Ellevest investments by $20 so I’m now depositing $100/month moving forward. No real reason behind this. My goal on Ellevest is saving for kids and I have a crush but I’m not sure if it’s going to work out. So I guess I’m doubling down on the fact that I do want kids and a serious relationship one day…and coming to terms it’s not happening with this guy lol.

Dats It. The End.

When it comes to finances things don’t always go as planned. Same with life honestly. If there’s anything I’ve learned this year is that shit happens and we’re all trying our very best so have grace with yourself and others.

It’s nearly the end of October and I’m just now posting my September numbers – normally I would be SUPER hard on myself for this. But today, I’m just happy I got to it. Time is a construct. Take all the time you need and just keep going. It’ll all fall into place eventually 🙂

Posted by:High Black Girl

One thought on “September 2020 Budget – Wowzers

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