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	<title>Comments on: I Give Up, October, You Win!</title>
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	<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/</link>
	<description>One Family's Adventure in Becoming Debt-free</description>
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		<title>By: Climbing Out &#187; Blog Archive &#187; Four Thousand Dollars Later, the Wait is Nearly Over</title>
		<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/comment-page-1/#comment-780</link>
		<dc:creator>Climbing Out &#187; Blog Archive &#187; Four Thousand Dollars Later, the Wait is Nearly Over</dc:creator>
		<pubDate>Wed, 27 Oct 2010 02:57:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.climbingout.net/?p=674#comment-780</guid>
		<description>[...] one tending bar and one doing freelance visual effects while The Wife has worked diligently turning last year&#8217;s October debacle into a pillar of [...]</description>
		<content:encoded><![CDATA[<p>[...] one tending bar and one doing freelance visual effects while The Wife has worked diligently turning last year&#8217;s October debacle into a pillar of [...]</p>
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		<title>By: sarah</title>
		<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/comment-page-1/#comment-580</link>
		<dc:creator>sarah</dc:creator>
		<pubDate>Fri, 05 Mar 2010 22:27:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.climbingout.net/?p=674#comment-580</guid>
		<description>October is one of our most hated months too!  Hubby&#039;s b-day falls there which means both of our car tags need to be purchased, on top of a b-day present/cake for him.  Halloween, of course means $$ for costumes.  We&#039;re always starting to buy Christmas presents too...and usually play catch up from our summer vacation that followed us home because we went into debt for it.  DUMB!  Anyhow, this October was surprisingly pleasant with a plan and a budget.</description>
		<content:encoded><![CDATA[<p>October is one of our most hated months too!  Hubby&#8217;s b-day falls there which means both of our car tags need to be purchased, on top of a b-day present/cake for him.  Halloween, of course means $$ for costumes.  We&#8217;re always starting to buy Christmas presents too&#8230;and usually play catch up from our summer vacation that followed us home because we went into debt for it.  DUMB!  Anyhow, this October was surprisingly pleasant with a plan and a budget.</p>
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		<title>By: Jon</title>
		<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/comment-page-1/#comment-407</link>
		<dc:creator>Jon</dc:creator>
		<pubDate>Sun, 15 Nov 2009 17:09:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.climbingout.net/?p=674#comment-407</guid>
		<description>@ pafaff - October sinking fund is a great idea!
@ the Dad - October is our October, too. We crushed August &amp; September, then October crushed us. And we only had one party!</description>
		<content:encoded><![CDATA[<p>@ pafaff &#8211; October sinking fund is a great idea!<br />
@ the Dad &#8211; October is our October, too. We crushed August &amp; September, then October crushed us. And we only had one party!</p>
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		<title>By: pafaff</title>
		<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/comment-page-1/#comment-380</link>
		<dc:creator>pafaff</dc:creator>
		<pubDate>Sun, 01 Nov 2009 23:48:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.climbingout.net/?p=674#comment-380</guid>
		<description>Sounds like you need an October sinking fund. :)

Happy, Happy October to everyone!!!</description>
		<content:encoded><![CDATA[<p>Sounds like you need an October sinking fund. <img src='http://www.climbingout.net/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>Happy, Happy October to everyone!!!</p>
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		<title>By: Money Funk</title>
		<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/comment-page-1/#comment-379</link>
		<dc:creator>Money Funk</dc:creator>
		<pubDate>Sun, 01 Nov 2009 20:08:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.climbingout.net/?p=674#comment-379</guid>
		<description>Ya, have you seen my &lt;a href=&quot;http://www.moneyfunk.net/the-budget/&quot; rel=&quot;nofollow&quot;&gt;October&lt;/a&gt; progress? LOL. I&#039;m right there with ya! Oct - Dec are hard budgeting months. But we didn&#039;t hit a negative. So we are still on our snowball schedule. ;-)

I think if we plan for the roller coaster months then we can continue to do great on our debt. Christmas - gonna buy one thing a week. We&#039;re not going crazy this year. Totally no new debt for the holiday season. What joy is that? 

Glad to hear you had some great celebrations in October.</description>
		<content:encoded><![CDATA[<p>Ya, have you seen my <a href="http://www.moneyfunk.net/the-budget/" rel="nofollow">October</a> progress? LOL. I&#8217;m right there with ya! Oct &#8211; Dec are hard budgeting months. But we didn&#8217;t hit a negative. So we are still on our snowball schedule. <img src='http://www.climbingout.net/wp-includes/images/smilies/icon_wink.gif' alt=';-)' class='wp-smiley' /> </p>
<p>I think if we plan for the roller coaster months then we can continue to do great on our debt. Christmas &#8211; gonna buy one thing a week. We&#8217;re not going crazy this year. Totally no new debt for the holiday season. What joy is that? </p>
<p>Glad to hear you had some great celebrations in October.</p>
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		<title>By: Lindsey</title>
		<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/comment-page-1/#comment-378</link>
		<dc:creator>Lindsey</dc:creator>
		<pubDate>Sat, 31 Oct 2009 19:40:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.climbingout.net/?p=674#comment-378</guid>
		<description>Oy!  October was awful for me.  Wiped out my very tiny BEF and then some.  I just couldn&#039;t get it under control even though I&#039;ve been budgeting for 1.5 years now.  November is going to be very lean as a result.</description>
		<content:encoded><![CDATA[<p>Oy!  October was awful for me.  Wiped out my very tiny BEF and then some.  I just couldn&#8217;t get it under control even though I&#8217;ve been budgeting for 1.5 years now.  November is going to be very lean as a result.</p>
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		<title>By: Music Man</title>
		<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/comment-page-1/#comment-376</link>
		<dc:creator>Music Man</dc:creator>
		<pubDate>Fri, 30 Oct 2009 15:34:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.climbingout.net/?p=674#comment-376</guid>
		<description>I haven&#039;t been doing this long enough to have a budget crusher but I can totally see it happening around April (which is when most of my in-laws birthdays are celebrated. Fortunately, we are putting money away in our gifts fund every month so that should hlep to deefray the cost. Keep at it guys because you are my inspiration!!</description>
		<content:encoded><![CDATA[<p>I haven&#8217;t been doing this long enough to have a budget crusher but I can totally see it happening around April (which is when most of my in-laws birthdays are celebrated. Fortunately, we are putting money away in our gifts fund every month so that should hlep to deefray the cost. Keep at it guys because you are my inspiration!!</p>
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		<title>By: jpkittie</title>
		<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/comment-page-1/#comment-375</link>
		<dc:creator>jpkittie</dc:creator>
		<pubDate>Fri, 30 Oct 2009 11:31:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.climbingout.net/?p=674#comment-375</guid>
		<description>with you there - dd was born in October - happy halloween! it is almost over ;)</description>
		<content:encoded><![CDATA[<p>with you there &#8211; dd was born in October &#8211; happy halloween! it is almost over <img src='http://www.climbingout.net/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
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		<title>By: Jeffrey Johnson</title>
		<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/comment-page-1/#comment-374</link>
		<dc:creator>Jeffrey Johnson</dc:creator>
		<pubDate>Fri, 30 Oct 2009 08:02:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.climbingout.net/?p=674#comment-374</guid>
		<description>Thank everyone has a bad month or two.  Most is probably when property taxes are due.  For my parents there bad months are two December and January.  In December the wonderful thing called Christmas and property taxes hits every year.  Its even more wonderful this year as the state of Georgia almost totally eliminated the homestead exception.  It could be worse the county above us not redone there tax books since 2001 due to the idiots running there tax department and some had there taxes double or triple or worse.

January is a bad month as my parents keep being conned into upgrading there wonderful timeshare this year they only got one of them as they upgraded two of them into one week.

My bad month would have to be the month I pay my taxes down side being self employed hopefully I put enough aside and paid enough estimated taxes this year to make it more fun this last year.  How I handled it this year is I put aside same amount I paid in estimated taxes hoping that would cover me this year and little more.  Hopefully I over did it this year.</description>
		<content:encoded><![CDATA[<p>Thank everyone has a bad month or two.  Most is probably when property taxes are due.  For my parents there bad months are two December and January.  In December the wonderful thing called Christmas and property taxes hits every year.  Its even more wonderful this year as the state of Georgia almost totally eliminated the homestead exception.  It could be worse the county above us not redone there tax books since 2001 due to the idiots running there tax department and some had there taxes double or triple or worse.</p>
<p>January is a bad month as my parents keep being conned into upgrading there wonderful timeshare this year they only got one of them as they upgraded two of them into one week.</p>
<p>My bad month would have to be the month I pay my taxes down side being self employed hopefully I put enough aside and paid enough estimated taxes this year to make it more fun this last year.  How I handled it this year is I put aside same amount I paid in estimated taxes hoping that would cover me this year and little more.  Hopefully I over did it this year.</p>
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		<title>By: KSR</title>
		<link>http://www.climbingout.net/2009/10/i-give-up-october-you-win/comment-page-1/#comment-373</link>
		<dc:creator>KSR</dc:creator>
		<pubDate>Fri, 30 Oct 2009 03:03:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.climbingout.net/?p=674#comment-373</guid>
		<description>We love your posts. they keep us going. and we really sucked at Oct too. we are so excited to do our Nov budget tomorrow and just knowing others are out there doing the same is comforting. Cheers to new month...no tricks involved!
Peace
K</description>
		<content:encoded><![CDATA[<p>We love your posts. they keep us going. and we really sucked at Oct too. we are so excited to do our Nov budget tomorrow and just knowing others are out there doing the same is comforting. Cheers to new month&#8230;no tricks involved!<br />
Peace<br />
K</p>
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