Give Me Back My Five Bucks

October 2014 Goals

It’s October already, and it’s my favourite month of the year. :) Usually I would go home for the Thanksgiving long weekend, but this time I’m staying in Vancouver. It’ll be nice to actually spend a long weekend in the city, and because the weekend after that, we are headed to Whistler!

October is going to be a month of regrouping after a spendy summer, and a trip to Hawaii. There are a lot of things I want to do next year, so I’m going to have to start saving diligently. :)

10-October-Budget

October 2014 Goals:

  • Sign up for education info sessions. I’m interested in learning more about some diploma/certificate programs through BCIT, SFU, and UBC. So I want to see if they have any info sessions coming up.
  • Rebalance my Retirement Portfolio. It’s that time of year!
  • Pull my credit report. Every year around my birthday, I pull my credit report. Since you’re allowed to do it once each year for free, I make sure to do it around my birthday so I never forget. :)
  • Declutter my house. I’ve been neglecting a thorough cleaning of my place, because I’m home so sporadically! But I’d like to have some of my friends over soon, so this is going to have to get done.

Spending Recap: September 22-28, 2014

Monday 22nd – Kauai, Hawaii
$119.90 luau
$14.18 groceries
$13.54 alcohol

Tuesday 23rd – Kauai, Hawaii
$5.23 coffee
$21.78 lunch
$11 dinner

Wednesday 24th – Kauai, Hawaii
$19.08 groceries
$5.79 snacks

Thursday 25th – Kauai, Hawaii
$18.42 lunch
$13.12 dinner

Friday 26th – Kauai, Hawaii
$186 snorkel sailing cruise (6 hours)
$9 dinner
$5 snacks

Saturday 27th – Kauai, Hawaii
$6.35 breakfast
$24.78 lunch
$11 dinner
$30 gas

Sunday 28th
$840.12 Grand Hyatt Kauai (7 nights)
$15 taxi ride

Freelance Income: $0
Expenses: – $1,369.29

TOTAL: – $1,369.29

I won’t say too much about this week’s spending, since I’ll be doing a Hawaii trip recap post this week sometime. :) But what I’m really proud of is that we came in under budget (sort of). Hawaii was definitely expensive, but we were able to do everything we wanted to do. I’m definitely happy, and we had such a great time. But more on that later!

September 2014 Goals: Recap

September was a great month. It included a trip home to Victoria, one week in Hawaii, VIFF movies, and lots of social time with friends. However, with all of that comes a price tag, and mine was set at $4,000. :) Luckily, somehow, I came in under budget. This is due in large part because I didn’t have to pay for gas this month thanks to a gift card Hyundai Canada gave me as part of their Drive Squad team. Groceries were low because I spent about half the month away from my home, and I over estimated the amount I needed to spend on field hockey fees.

09-September-Recap

Over Budget

  • Entertainment – Just when I thought things were going to calm down after the summer, a flurry of things happened all at once – a comedy show, a concert, and a film festival. Instead of saying no, I said yes to everything. And considering I only went $70 over budget, I’m okay with that.
  • Clothing – I budgeted zero money, but decided at the last minute to get a summer dressed hemmed so that I could wear it while in Hawaii. While I was at the mall getting my dress hemmed, I went into Banana Republic and saw that a dress I had been coveting since last winter was on sale. Not only that, but it was 50% off the last ticketed price. A $140 dress for $51? Yes, please!
  • Travel – I would have been right on budget, but at the last minute, BF and I decided to go to a luau while in Hawaii. It was $109 US – kind of pricey. But it was at our resort, so we could have as many unlimited drinks as we wanted, and didn’t have to worry about finding a taxi home. :) I’m glad that we went, but I doubt I’d go to a luau again. Especially for that kind of money!

Net Worth Change: + $563 (0.56%)

Yikes. This was an ugly week for my investments. All of my stocks posted negative numbers this week, so hopefully it turns around soon. The only reason my net worth went up was because of my mortgage payments.

September 2014 Goals:

  • Stay on budget. CHECK! Even though I ended up going over budget in a few categories, the budget ended up balancing out.
  • Finish cleaning out my storage closet. FAIL. I cleaned up a little bit, but not enough to make a significant difference.
  • No take-out coffee. PASS. Okay, so technically I did buy take-out coffee this month – twice while on vacation in Hawaii. But that’s okay, right?
  • Save $850 towards retirement. CHECK! This was $100 more than my normal contributions each month.
  • Start budgeting for Christmas. CHECK! I don’t exactly know what I’m going to buy everyone yet, but I’ve at least set a preliminary budget.

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