I did not make my budgeted savings contribution, using the money to cover October's Visa bill.

I'm quite pleased with how my spending went. In November, my Visa bill is going to be less than $300. I will have no trouble whatsoever with paying it in full and making my budgeted savings deposit.

My utilites were under $500! I now have credit balances on both my PG & E (gas) and MID (electric) accounts. PG & E just adjusted my balanced bill pay amount from $62 to $43. November will be the first month I pay $43. I have received my MID bill for November too, and my balanced bill pay has not adjusted yet. I currently have a credit balance of $100 odd dollars and I must pay another $238. Since we are going into winter when the bill is much lower I've been expecting it to adjust down. My Ting bill was $35.27 in October. I am loving Ting.

I ended the pay period with $16 plus coins in my wallet. I withdrew my cash allowance of $60 for the next pay period, then sent $20 off to E Fund.