September 2017 Goals: Recap
September was expensive, but I’m happy to report that I came in under budget. I went over in a few categories, but thankfully coming in well below my budgeted Travel amount helped me out this month.
Overall for our Portugal trip, I had budgeted $5,400 for the two of us, but we actually ended up spending $4,576:
- Flights (Vancouver-Azores, Azores-Lisbon, Lisbon-Vancouver) – $2,450 budgeted / $2,424 paid
- Accommodation (14 nights) – $1,200 budgeted / $1,113 paid
- Food – $1,000 budgeted / $787.41 paid
- Car rental (7 days + gas) – $450 budgeted / FREE
- Transportation – $100 budgeted / $81.59 paid
- Miscellaneous – $200 budgeted / $170.22 paid
Ending up $824 under budget was due in large part because we ended up using $655 in credit card rewards, but even without those credits, we would have still come in under budget so I’m pretty pleased about that.
Other than that, it was a pretty normal month!
- Cell Phone – I ended up buying an international package for my phone while we were away, because I knew we’d need it for navigation, calling our AirBnB hosts, checking into flights, and just keeping in contact with friends and family. The package was $90 and obviously much more expensive than if I had gotten a local SIM card, but having my phone number available in case of a work or personal emergency was enough of a reason to just go with what Rogers had available.
- Household – As I mentioned in my post yesterday, we spent much more than we thought we would on our adopted cat. But it’s all been worth it so far.
- Car & Transportation – I ended up renewing my driver’s license a month earlier because I had a day off and couldn’t think of anywhere I’d rather be than waiting in an ICBC line-up. :) Just kidding, it wasn’t that bad.
- Gifts – I bought a few small things on Etsy for part of a Christmas gift.
- Miscellaneous – I had to buy a new MacBook Pro cord because I lost mine during our trip. :(
Income & Savings:
I only saved 20% of my income this month because of our Portugal trip as well as having to pay for our Christmas flight up north.
My overall net worth increased 1.70%.
September 2017 Goals:
- Post once a week to GMBMFB. FAIL. I really had good intentions, but not having access to my computer for half the month made it difficult. Also, I spent the last week of September playing with the cat. :)
- 15,000 steps per day. CHECK! On average I walked 16,432 steps per day.
- Focus on healthy eating. CHECK! I did my fair share of pastries, but I also really cut back on chocolate and chips, and only had a little bit of alcohol while we were on vacation. I also cut out dessert most evenings – not that I eat dessert often, but when you’re out at restaurants or on vacation it’s easy to indulge on stuff like that.
- Say yes when traveling. CHECK. Maybe I should have asked RD his opinion before I give myself a check mark on this one. :) But I think I was more easy going, looser on our itinerary, and willing to adapt more than I usually am. I got flustered a few times, but did pretty well for myself. I think.
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.