Give Me Back My Five Bucks

April 2017 Goals: Recap

April was expensive, but I ended up coming under budget because we decided to use our credit card rewards points to offset some of the cost of our Portugal trip, and I booked cheaper tickets to the Blue Jays games. The prices of the good seats were just outrageous, especially with the exchange rate, and all the seats at Safeco Field have a great view anyway.

We started organizing and setting aside items for donation and to sell, which feels really nice – but the place looks like a bomb went off. And now that RD is off on his annual 5-week trip for work, I’ll have a pretty busy May trying to sort through and sell what we no longer need. 

In work-related news, I might have mentioned before that my boss has taken the next 3-months off to go on an epic around-the-world adventure with her partner. I’m so thrilled that she’s on such an amazing trip, and I’m also very happy that the company I work for is flexible and allows for life events like that. While she’s gone, I’ll be working a lot more overtime because I’m taking on some of her workload. But I’m more than happy to do it. And the extra hours means more banked vacation time. :)

I also got a raise a few weeks ago, which will allow me to increase my retirement contributions. I haven’t figured out exactly how much I’ll be increasing it by, but will have the numbers in my May Budget post later this week.

Anyway, here’s how I did this month:

Over Budget:

  • Utilities – The amount we were billed was for March and April. It’s been chilly the past 2 months, and we used our heat more than I thought we would. We’ve since turned the thermostats all the way down, so I don’t anticipate the next two months to be very expensive.
  • Food – We fell out of sync with our normal grocery shopping routine near the end of the month when we were both preparing to go away but didn’t want any leftovers in the fridge.
  • Household – RD ended up buying some plastic totes because they’re more durable for storing stuff in the garage. I’m glad he did because our stuff is just sitting on the floor in cardboard boxes.

Income and Savings:

I only made a few hundred dollars in freelance income for the month, but am in negotiations for two or three projects in May. I also have a cheque from the conference that I spoke at this last weekend, but will group that in with my May income.

  • Current Down Payment Fund: $133,650 / $150,000 (+ $500)

April 2017 Goals:

  • Be openCHECK! I’m introverted, so public speaking can be difficult for me. Actually, even a lot of social interaction is difficult. Thankfully I’m able to overcome it most of the time, and perform in a way where people might not know how scared/nervous I actually am. I felt like when I was at the conference (more so talking one-on-one with people and not during my talk), I was able to be authentic and show my true self. And that’s all I really wanted. :)
  • Be budget consciousCHECK! I tried really hard to watch my budget this month, and because of that (and some rewards points), I was able to save $500 to my down payment fund, in addition to my regular automated retirement contributions.

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.


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