October Money Review

As we start to wind down the year, I took a long hard look at my food dollars and did some calculating. Based on what we spent in October (keep reading), if we spent $175.00 and no more in the months of November and December, we would finish the year averaging $180.33 a month for all of 2019. That would be just above our goal of $175.00 a month for the year. We would have to spend no more than $140.00 in both November and December to bring the yearly average to $175.00. I'm not sure we will hit that mark.

As I look ahead to next year, one thing I am going to start calculating into our overall food costs is our eating out costs. I have been tracking those dollars for a few years, but do not count them in the $175.00 a month goal. The bulk of our eating out dollars directly relates to travel, especially Mayo and conferences, and performances, especially those in Mansfield when dress rehearsal falls in the afternoon, followed by a mid-evening concert. Yeah, some of our eating out dollars are just us taking the easy way out, and I still very occasionally have tea with a friend, but the bulk of the expenses are related to not being home. I will have to take a long, hard look at what we spent this year (and how much was strictly pleasure versus the travel/concert issue) and come up with some realistic targets for 2020. Just saying.

So what did October look like? In groceries (food), we spent $179.78, which, I am thrilled to say, included the reception we hosted after opening the Symphony's 41st Season. Back in April, I had budgeted $75.00 for the end-of-season reception and wildly overshot that amount, spending double those dollars. For this reception, based not in small part of on my notes of what worked and what didn't back in April, I spent a grand total of $67.38 for a wonderful reception (with a lot of leftovers)! So that revamping of our reception spending made a significant contribution to our overall monthly bottom line.

As for household items, our October expenses were a modest $5.18. Total spent in October? $184.96, $10.00 over the $175.00 goal. Monthly average for the year? $182.06.

As for eating out, our costs were not outrageous, but scaled up towards the end of the month because I had a conference in downtown Pittsburgh and the expenses were higher. (Most of the eating out expenses from Pittsburgh will hit in November and I will be reimbursed for much of my food costs, but it was still expensive.) Our eating out costs in October were $117.41, counting tips. That's pretty high for us.

One of those eating out occasions was due to my not standing firm on not eating out in a training session. Along with some close coworkers, I attended a lengthy training session through our local school district, with the training located in our downtown. As I always do with local training, I frugally packed my lunch. I had it with me. When the lunch break came, everyone started making plans to walk to different places downtown and done together. Everyone. I said "I brought a lunch." I got pushback. Then I said "Lunch is my most difficult meal to eat out because of where I'm at in my health" (a true statement). I got pushback. Loving, friendly, come-join-us pushback, but pushback all the same.

And I folded. I walked to lunch, I ended up sitting with some attendees I did not know well or at all but got to know a little (a positive), I ate very frugally ($6.00 with the tip), I took the planned walk to the library immediately afterwards so I could drop off the library book I had brought with me (a chore accomplished), and I ate the packed lunch the next day (so no waste). Was I better for joining the others? Perhaps. Certainly in the sense of getting to know attendees (all school employees) and sharing stories. That's always a plus. But I am nonetheless embarrassed that I let the peer pressure get to me. I'm 631/2 years old. I should be over this.

So that was October. As I noted in my last review, we did indeed miss Halloween. It snowed lightly in Delaware that night. (It probably snowed in Pittsburgh too, but I was inside.) According to a friend down the street, Halloween foot traffic was light as a result. So yes, I missed Halloween but I also missed sitting outside on a bitter night.

Since I missed Halloween here, I took great pleasure when pictures from the west rolled in:

All three of them, Ramona being the dinosaur posing! 

And in true Halloween fashion, the youngest of the trio didn't even last past the third house:

November is swirling all around us. We just ate the last of the lettuce (which I moved inside before going to Pittsburgh, knowing it would be getting cold while we were gone). And I will eat the very last 2019 tomato tonight. The. Very. Last. Tomato. We are joining Thanksgiving, not hosting it; I already have dibs on the turkey carcass. So we'll see where the dollars fall when we come out the other side.