Well, here's how I did for October. Not too bad, considering I went to the island twice (once to Tofino for the long weekend and ended up buying more than necessary, and this past weekend back to my home town). I also paid $175 for car insurance and bought 6 months worth of BC instead of my regular 3 months (to avoid another dispensing fee).
October Goals:
- Work out at least 3x/week on my Wii. FAIL! Epic fail. I only worked out 2 or 3 times all month.
- Go for a hike. CHECK! We only went for 2.5 hours, but we also went for 2 long walks.
- Go rock climbing 2-3 times. FAIL! We only went out once.
- Get down to 130 lbs. FAIL! I'm still at 132-133 lbs. Which is amazing considering I haven't really been working out AND I ate like complete crap when we were in Tofino.
- Plan Whistler ski weekend. FAIL! We haven't been able to plan this because we didn't know what J's weekend commitment schedule was. Now that we know it, we can pick a date and book the hotel.
- Plan a weekend to go home. CHECK! I went home this last weekend and it was so much fun.
- $450 into Retirement Portfolio. CHECK! I ended up saving $675. :)
- $300 into Savings Fund. FAIL! Well I emptied out my Travel Fund, so technically I put $1,164. But without taking into consideration already saved money, I only put in $164. So I consider that a fail.
- $150 into Emergency Fund. CHECK! Technically I put in $1,250 but $1,000 of that was already saved money from my Travel Fund, so I actually saved $250.
- $200 into Travel Fund. FAIL! I kind of re-distributed my monies this month, and now have a goal of $3,000 for this Fund. That being said, I only saved $50.
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I love your blog title. Just the other day I was counting up dollars spent on Nintendo DS games for my sonny...and I said out loud I want my money back...who can give me back my six hundred bucks? I was semi serious.
It blows my mind when I see your budget of $300/month rent and barely any utilities. It reminds me when I was your age and paying $500/month which was a steal considering it was a condo and that was at like 6-7 years ago. Now our family outflow was over 8k in October alone and we still overspent our budget by a few hundred bucks.... crazy eh.
I'm curious - When you over spend on the budget, where does the extra money to cover that come from?
Jessie: When I go over my budget that just means less savings for the month. So for October’s budget, I could have saved an extra $337.04. I’m in a lucky position because I have wiggle room. If I don’t hit my budget, it doesn’t mean I go into the red. It just means I won’t be able to save as much as I originally thought I could have for the month.
Exactly, basically next month's budget gets decreased by the amount over budget - otherwise worst case it's gotta come from savings or emergency funds.