Received 3 paychecks this month instead of the usual two. Also received $82 in overtime.

Regular household expenses: $3,261
Spending from Freedom Account and cushion:
Paid $475 Home warranty
Paid $410 Car repair
Paid $103 AAA membership
Paid $141 Plumbing repair (leak)
Total spent: $4,164

Notes:
1. Spent $282 on groceries, about $80 over the budget. $200 a month seems to be more and more unreasonable now that I'm at the end of the year, so I think for 2009, I'll do a budget amount by quarter or a semi-annual budget amount and track that instead of a by month figure, since I do a lot of stocking up when things are on sale.
2. Withdrew $550 from Christmas account. Will split with spouse and add to this with paycheck amounts, but don't plan to spend a lot this year.

Total Regular savings (from gross pay): Freedom account, $270. Education account, $300. Christmas $0 (withdrew nearly all). House repair account, $75. Creative ventures, $30. 401K, $339.

Total Regular Savings (from net pay):
Wealth account, $100. Extra mortgage payment account, $80. IRA, $100. the kid's moving-out-on-his-own account $10.
Car account: $100

Extra savings: Wealth account, $100, Cushion in checking account, $150 added.

Too many savings goals. Goal for November is to narrow my focus in my savings goals...at least a little. Also to review 2007 and 2008 total household spending to begin planning household budget for year 2009.