Give Me Back My Five Bucks

December 2013 Goals: Review

This was a surprisingly good month for me, even though I went over budget. I spent much less than anticipated on food – which just goes to show you how many times I went out to eat during the month. But it also helps that whenever BF and I hang out, we have been cooking meals instead of going to restaurants. I also spent much less than I thought I would on clothing. I guess I thought I’d do more shopping during the Boxing Day sales, but nothing appealed to me.

12 - December Recap

Over Budget:

  • Internet – why is internet so expensive? This is the second cheapest plan that Shaw offers (the cheapest plan is just $5 less). I’ve considered TekSavvy because they’re only $35-40 instead of the $60 I pay with Shaw… but a friend uses them and says the service is horrible.
  • HouseholdI bought a $450 LG TV. But in order to pay for it, I sold my iPad ($350) and my old Canon digital camera ($125).
  • Entertainment – I’m actually surprised this number isn’t more, considering how many meals I ate out over the month.

Net Worth Change+ $1,546 (1.68%)

My net worth keeps increasing every month, so I’m happy about that. It shows that I’m moving in the right direction. That being said, I’m really motivated to see even bigger gains going forward. The increase shown this month is due to RRSP contributions and payments to my mortgage.

December 2013 Goals:

  • Run 100 km. FAIL. I want to say that there was a valid reason why I didn’t hit this goal, but it was basically because I was lazy. I mean, field hockey season did last an additional week longer than I thought it would (we finished on Dec.15), but still. I only ran 61.7 km.
  • Save $700 into my Retirement Portfolio. CHECK! I contributed $750 this month.
  • Take on a new freelance writing contract. CHECK! Well, I mean, it’s not a contract, and I’m not contributing weekly or anything. But I am getting paid on occasion, and it’s a legitimate gig, so that still counts. :)
  • Earn $1,200 in freelance income. PASS. Well, I only earned $770 in freelance income. A few deals fell through, and I haven’t been paid out for some of my work yet. But, I did manage to bring in an additional $630.71 by selling things that I own and through Great Canadian Rebates. SinceI did bring in $1,400 extra, I’m giving myself a pass even though maybe I don’t deserve it.
  • Clean out my closet and my storage area. FAIL. I’ve set aside a pile of clothing in my closet to either sell or donate, but I didn’t even touch the storage area… except to pile more crap into it.
  • Make a list of home improvement projects that need to get done. CHECK! I’ve made a master list of all the things I want to change in my house, and then I narrowed it down to three projects that I’d like to tackle for next year.

Author: Krystal Yee

I’m a 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, climbing, playing field hockey, or plotting my next adventure.


  1. Laura Fraser says:

    I like how you set a budget specific to each month – I have a set monthly budget, but depending on what I’m up to that month my expenses vary. Maybe I’ll take the time to set a more specific budget before each month begins?

    And huzzah for mostly checks/passes!

    • Krystal Yee says:

      Yeah, I think it definitely helps to create a more specific budget for each month. Not only because it’s unrealistic to have just one budget for every month, but it also helps to forecast expenses. The time I spend creating a unique budget each month helps me remember all of the expenses I have for that month… and it allows me to cut my budget in other places to accommodate for certain things.

  2. Jacquie says:

    Krystal have you tried Novus for internet? My BF and I have that, it’s highspeed and only about $42 a month.

    • Krystal Yee says:

      I actually did look into Novus a few months ago, but it seems to be building-specific, and not available in my area. :|

  3. Sean Cooper says:

    Krystal, I use TekSavvy for Internet and couldn’t be happier. Their customer service isn’t the best, but luckily I haven’t run into any problems, so I haven’t had to call them. I think TekSavvy is worth a shot – at least it’s good in Toronto.

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