What an ugly, ugly month. I can blame my over-spending on a lot of reasons – like having to find ways of entertaining myself all month without being able to exercise (which takes up a lot of my free time), but the biggest reason? I didn’t plan ahead. I didn’t think that my sister was coming into town. I didn’t think that it was Nic’s birthday. I didn’t think that I would be booking accommodation to the Canadian Personal Finance Conference this month. I need to do a better job at remembering big expenses. :|
- Food – My weekly grocery budget stayed about the same (it went up a little bit because this was the month I started using my juicer), but it was the little things that added up. Trips to Booster Juice, grabbing something from the deli when I was too lazy to make dinner, Starbucks, etc.
- Entertainment – Wow, I just decimated my monthly entertainment budget, eh? This represents about a million meals out with friends, birthday dinners, a bit of booze, movies, markets, etc. All of the things I love to do that are free (or relatively free) – like running, field hockey, hiking, yoga, etc. – were taken away from me this month due to my surgery. So I ended filling my time socializing with friends. It was a fun month, but I’m eager to get back into shape and back to a more regular (less expensive) routine.
- Travel – This was entirely the $304 I spent on my accommodation in Toronto for CPFC13.
- Car & Transportation – This category includes transportation, parking, and gas. My SkyTrain usage went up this month, I paid for event parking downtown for a concert, and this also includes gas for two trips: one north of Whistler, and one just south of Whistler.
- Personal Care – Monthly prescription refill.
- Miscellaneous – Field hockey insurance fee ($66), Scrambles in Southwest BC ($33), add-on for my blog ($39.99)
Net Worth Change: + $1,200 (+ 2.28%)
A nice little boost to my RRSPs, and continuing to chip away at the mortgage.
- Run 25-40km. CHECK! I ran 32km this month, and also hiked 21km.
- Make $1,000 in freelance income. CHECK! I squeaked in, earning $1,080.99. :)
- Utilize my Questrade account. FAIL. I forgot about this. Whoops.
- Pack a lunch every day. FAIL. I ended up going out for lunch 3 times this month. But every other day I ate homemade salads, so I still consider it a win, even though it’s technically a fail.
- Rebalance my RRSP account. CHECK! Based on the plan my financial advisor gave me about two years ago, I rebalanced and am good to go for another year.