September 2011 Goals: Recap - Give Me Back My Five Bucks

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.

OVER BUDGET

  • 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. 

NETWORTH CHANGE:  + $2,474 (4.05%)
Like last month, the stock market really hurt my investments. They fell again. By a lot. Still, it was a solid month all around, and I’m pleased.

September 2011 Goals:

  • 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.
  • 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.

About 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.

10 comments

  1. I messed up my September budget too..I forgot stuff and bought stuff! Oh well! :)

    Congrats on your freelance income Krystal – I love to see your hard work paying off!

  2. Even though your budget was messed up, you still did much better than me overall!

  3. Congrats on your awesome freelance income for September!

    When you go over your budget, where does that extra money come from?

    • Thanks! :) When I go over budget, the extra money comes from what I could have been saving that month. So, essentially, I could have put an extra $1,391 into different savings accounts this month.

  4. You still a great job for the month(specially clothing) even though the budget got disturbed. Good one on the mortgage. And i must say, it looks a highly organized freelance network. Great one.

  5. I did the same with my September budget. I like the work sheet you ise for your budget and schedule. Can you post one that I cane use? I have tried to copy and paste and it does not work. Thank you!!!

  6. What kind of face wash/ cream do you use? Do you stock up for the whole year? Seems mighty expensive but you have great skin so maybe it’s worth it.

    • Yep, my supply lasts me almost a year. Maybe like 10 or 11 months, which I think is pretty good. It has taken me 10 years to figure out my skin and what products work best, so I’m ok with the high price. I use Skyn day, night, and eye cream. And I use Clarins products for face wash and toner.

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