Give Me Back My Five Bucks

November 2016 Goals: Recap

2016macbookproI’m currently typing this blog post out on my new Macbook Pro. :) After I wrote about my purchase at the beginning of November, my friend Nic convinced me I needed to upgrade the graphics card on the computer since I plan on keeping it just as long as my last one (hopefully longer).

The original budget for my computer was $3,500, and after tax, my computer came to $3,619.84. But I had $300 in Apple gift cards (which I got for my birthday in October), and I managed to sell my old computer for $400 – meaning the grand total of my computer actually came to $2,919.84! :)

Unfortunately I went over on a few other categories in my budget this month, so I wasn’t able to save my savings. But at least I didn’t go over budget, so that’s a small win.

11-november2016-recap

Over Budget:

  • Tenant Insurance – One of my goals this month was to decrease our annual insurance, but we ended up increasing it because I wanted to add earthquake coverage.
  • Household – A few weeks ago we went to the Circle Craft Market downtown to do some Christmas shopping, and we ended up buying a few pieces of art for ourselves. Whoops! :)
  • Entertainment – One extra trip to the pub put me over budget this month.
  • Clothing – I had budgeted $300 for boots and pants, but ended up using the entire amount for a pair of tall Phillip Harness Frye boots I had been lusting over for years. They are $629 on the Frye website, and I saw them locally in Vancouver for $480 after tax. But I was able to get them on a Black Friday sale through Amazon for $296.76 after tax and duties.
  • Fitness – We bought a one-month membership to the climbing gym, and I also lost RD’s water bottle so I had to get another one for him. :)
  • Gifts – I thought I’d just *start* my Christmas shopping for the year, but decided just to finish it off since we’ll be traveling in mid-December to celebrate some birthdays and an early Christmas with RD’s brother. The money I spent was gifts for 11 people (9 Christmas presents, and 2 birthday presents).

Income and Savings:

This month I was only able to save 19.2% of my income, because of the MacBook Pro purchase. But I’m just pleased I was able to save anything at all.

November Goals:

  • Shop around for tenant insurancePASS. I mean, I kind of did this by getting two different quotes. Both were about the same, so I went with the same insurer as last year. But just today I found a policy for about $200/year cheaper … so am going to try to switch. And if I cannot switch, I’ll know better for next year. :|
  • Create my budgeting spreadsheet for 2017CHECK! My spreadsheet is bigger and better than before, and I’m so excited to start using it in January. Yes, I am a nerd.
  • FreelancingCHECK! I have one outstanding invoice for 2016, and have quoted out for 3 projects in 2017.

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.


Comments

  1. Em says:

    Do you post your budget spreadsheets anywhere on your website?

    • Krystal Yee says:

      No I currently don’t have my budgeting spreadsheet online, but I’ve been thinking of making them available for people to download if there’s interest!

  2. Looks like a great month! So jealous you bought a new Macbook, I’ve been needed one for ages now but the investment is just so much. I’m constantly searching for a cheaper alternative but I just don’t think there is one!

  3. Em says:

    I would be interested! Love your blog. Thanks for sharing!

  4. moneycorgi says:

    Hi Krystal

    interesting post, I like reading other peoples budgets to remind me how different everyone is. I’m in the UK and the idea of having to think about earthquakes seems very foreign to me. I think we had one a few years ago and the only damage was a tree fell over and some roof tiles came off a house.

  5. E.B. says:

    Just discovered this blog. I am from Germany and running a kind of finance blog too. Good to know I am not alone :-)

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