September 2011 Goals: Recap
Well, I thought September was going to be a better month for me in terms of spending, but instead it was like I extended my summer spending into the fall. And I don’t expect October to be much better either, with another two weekend trips planned.
I also messed up my September budget because I didn’t account for having 3 pay cheques in the month. I also didn’t budget in a lot of obvious stuff – like my business cards or my website redesign. Oh well.
- Mortgage – I messed up when I created my original monthly budget. I also didn’t get off my butt to call into the bank to switch my mortgage payments to the 20% prepay. So my payments for the month looked like this: $600, $600, $660. Better late than never, right? And now with my 20% prepayment, the portion to my principal is almost as much as the portion towards interest.
- Cell Phone – 100 text messaging package while I was in San Francisco in August.
- Household – desk lamp and a big light fixture for my bedroom – both from IKEA.
- Entertainment – forgot to budget for my friend coming to stay with me for 3 days.
- Personal Care – ended up buying toner and face wash, on top of replenishing my face cream supply. And you know what’s even worse? The $220 budgeted was for face cream & a hair cut, and I didn’t even get my hair cut. Whoops.
- Miscellaneous – Well, that would be my $500 website redesign, and my business cards which were $209.
- Make an additional $3,000 above and beyond my FT job. CHECK! I destroyed September, by making $4,362.20, and this month officially became the first month ever where I made more from freelancing than I did from my FT job. I don’t expect to make this kind of money going forward – I feel like it was a bit of a timing fluke, but I’ll take it anyway.
- Re-do my freelancing schedule and make it more realistic. CHECK! You can see my revised freelancing schedule here. I think it’s a lot more realistic, given the extra time I’m putting into my work these days.
- Sell or give away at least 3 things. FAIL. Okay, well at least I put in some sort of effort. I listed my Blackberry on Craigslist, and got a couple of bites … but I kind of fell through in the follow-up. The good thing is that I think I found someone who wants my Blackberry, and in exchange he’s going to help me a bit with my website.
- Buy a lamp for my work station. CHECK! I fixed the lighting problem in my bedroom, but still have to find a light dimmer.
- Go on at least 1 day hike. FAIL. Seriously, where do I get off thinking I have time to go for hikes? Especially when I have field hockey on Saturdays and Sundays, AND I was out of town for two weekends during the month? I sure have some nerve.
- Hire a WordPress designer to help me overhaul this blog. CHECK! I think I embarrassed myself enough by professing my love for my blog designer earlier this month. He’s amazing. I love him. There, I said it again.
- Create the skeleton of my online portfolio. FAIL. I might hire the same blog designer to help me design my portfolio in the future, but in the meantime, I think that my blog and LinkedIn profile is sufficient in summarizing my skillset. In fact, the only reason why I wanted to bring back my online portfolio was to showcase my design skills … but since I’m not really designing these days, I don’t see the point.
Ongoing 2011 Annual Goals:
- No buying lunch, snacks or coffee during the work week. CHECK!
- No buying clothing, shoes or accessories until December 31, 2011. CHECK!
- Work out at least 3x/week. FAIL. I worked out 8 times, or 2x/week.
Author: Krystal Yee
I’m a writer, personal finance blogger, and marketing professional based in Vancouver. I’m a former Toronto Star (Moneyville) columnist, author of The Beginner’s Guide to Saving and Investing, and co-founder of the Canadian Personal Finance Conference. When I’m not working, you can usually find me running, playing field hockey, or plotting my next adventure.