November 2013 Goals: Review

Well this is the first time in a long time that I’ve actually hit all of my goals for the month. I feel good about this past month. I think I settled into a routine quite quickly after returning from Morocco, and am looking forward to tackling some major goals I have for myself coming up.

11 - November Recap

Over Budget:

  • Food – This was as a result of an excess of baking, stocking up on staples like quinoa, and experimenting with different recipes (more expensive ingredients). The good news is my freezer and pantry are full of food, so all I will likely need is to buy produce for the rest of the year.
  • Entertainment – Yeah… I went out to eat a lot this month, and it shows. I think it’s the cost associated with the beginning of any relationship; you want to go out and do things. Like weekend brunch, sushi dinners, etc.
  • Car & Transportation – I spent the same as I usually do for gas, but it was the parking that got me this month. I parked at least 3 or 4 times in Stanley Park (that’s $5+ each time), as well as a couple of other places around town. I’m going to look for a cheaper alternative for parking, because public transportation at this point isn’t an option.

Net Worth Change+ $2,106 (+ 2.35%)

After my post earlier this month about not saving enough for retirement, I made a conscious effort to increase my RRSP contributions and put more into my TFSA every pay cheque. Right now I’m sitting at a retirement savings rate of 16-17% of my net monthly income (from my full-time job only), with my end goal of saving around 20%.

This was also a three pay cheque month, so I had an additional mortgage payment to make, which helped with the net worth increase.

November 2013 Goals:

  • Make a homemade version of Holy Crap Cereal – CHECK! You can check out my Holy Crap Cereal recipe to see how you can save almost 45% just by making it at home yourself.
  • Research and track new stocks – CHECK! I’ve started looking at 5 new stocks, and will track/research them over the next few months.
  • Start thinking about what goals I want to set for 2014 – CHECK! I took a few hours one night and really thought about what I wanted to accomplish for next year. I’m almost done writing them all out, and I’m excited to share them with you next month.
  • No Starbucks fancy drinks – CHECK! Yep, I did it. Not only did I cut out all fancy Starbucks drinks, but I only went to Starbucks once this month. That surprised me a lot, because I didn’t think I could resist the lure of their holiday drinks. My wallet and my waist line are both thanking me.

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.


  1. Your dedication to your finances is impressive. Whilst I don’t head to starbucks, cutting out bought coffee is one of those things I always know I could try to save money but have decided it’s not for me. And start of a new relationship? Exciting and good luck and all those things.

  2. How did you manage to halve your car insurance? I must have missed an article? Our car insurance is crazy: we pay about the same on a 15-year-old Corolla as on a new car. (It’s because the premium is almost all to cover what it would pay out if we damaged someone or something else.)

  3. We are 2013 now not 2012. Have been for some time.

  4. Erin @ My Alternate Life

    Nice job! I’ll have to check out the Holy Crap Cereal replica, sounds tasty :)

    I’m working on my 2014 goals as well. I still have a lot of thinking to do!

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