Give Me Back My Five Bucks

A case of FOMO

Have you ever been on a diet and had a planned cheat meal? And then that cheat meal turned into a cheat day? And that cheat day turned into a cheat week? And all of a sudden, you’ve gained 5 pounds? Yeah. It can be super easy to fall off the dieting wagon. And it can be just as easy to fall off the budgeting wagon too. It’s happened to me many times before, and it has happened to me again. Thankfully I caught it in time before it could do any real serious damage, but …

… I’ve been hit with a case of FOMO.

fomo

It all started off innocently with a tweet about the upcoming Vancouver Interational Film Festival (VIFF). Last year I went to 4 shows, and loved every one of them. So I went onto the website, and found two films I really wanted to see. After briefly discussing the best times with BF and finding a coupon code online for $3 off per ticket, I booked the shows.

Related: Why I dislike the term #YOLO

A few days later, we decided to have a date night on Granville Island – beer at the brewery, and a comedy show at TheatreSports. When buying our tickets to TheatreSports (with a 2-for-1 Entertainment Book coupon), I saw that Colin Mochrie was set to perform in the beginning of October. We both got a little bit excited, and decided that we had to go to that show. $86 (!) later, we had tickets.

It was only then that I realized we have tickets to the BC Lions game this weekend (although those were free), a Ryan Adams concert (already paid for) in the beginning of October, and my sister is taking us to a Canucks game AND a Giants game for my birthday. There’s also a a concert I really want to see at the end of October. I’ve missed the last 2 or 3 times he’s come to Vancouver, and I’d hate to miss out again. Plus, I kind of want to get away over the November extended long weekend. And also maybe over New Years. But my bank account has been shouting at me, and thankfully I’ve decided to listen. No more in 2014! No more concerts, expensive events, and definitely no iPhone 6 (even though I really, really want it). :)

This little breakdown in spending has cost me $110 in the past two days.

A few years ago, I would have gotten pretty upset with myself for this kind of spending. And sure, I’ve already blown this month’s Entertainment budget. But there are so many areas in my life that I’ve cut back on, in order to spend money on experiences instead of stuff. And if I’m continuing to save for retirement, and my spending doesn’t get completely out of control, I’m okay with it. As long as it doesn’t happen too often. But I think this little break in spending will be a good one for me. :)

When’s the last time you experienced FOMO?

Spending Recap: Sept 1-7, 2014

Monday 1st – Victoria, BC
$35.87 ferry
$67.55 Expedia.ca (rental car for Hawaii)
$106.67 Hotel deposit (for Hawaii)

Tuesday 2nd
+ $350 freelance income
$28.33 groceries

Wednesday 3rd
No Spend Day!

Thursday 4th
No Spend Day!

Friday 5th
$6.85 lunch
$16 drinks

Saturday 6th
No Spend Day!

Sunday 7th
$24.56 lunch (for 2)

Freelance Income: + $350
Expenses: - $285.83

TOTAL: + $64.17

First thing’s first – we booked our rental car for Hawaii (we leave in 8 days – eeek!), and put down a deposit on the hotel. The balance we will pay when we get there. I’ve almost always booked trips far in advance, so it seems pretty crazy to have booked a somewhat big trip to Hawaii and leave all in the same month.

The week was pretty normal. We were all set to work on BF’s sundeck again this week, but in an amazing turn of events, we no longer have to do anymore work on it. :) It was such a big weight off of our shoulders that we decided to make the most of the weekend. Friday night we had a date night on Granville Island – dinner at the market, drinks at the brewery, and a comedy show at TheatreSports. On Saturday after my field hockey game, we met up with friends for lunch and some beach time with their kids. Sunday was brunch with his friends, and a relaxing afternoon.

 

September 2014 Goals

No joke, September is going to be an expensive month. I’ve got a trip to Hawaii budgeted, as well as paying my field hockey team fees. With $4,000 worth of expenses this month, I’m just very thankful that in August, I made almost $2,000 in freelance income which pays for Hawaii and a little bit more.

You’ll see that my food/grocery budget is relatively low this month – at $150. This is because we’ll be out of town for a week. I’ve also lowered my Entertainment budget back down to $100, after it was sitting at $150 for much of the summer. Aside from Hawaii, I don’t anticipate any big activities. We’ll be going to another BC Lions game this month, but we have free tickets. And I’d like to go to TheatreSports on Granville Island if we have time, but there’s a 2-for-1 coupon in the Entertainment Book for that. :)

09-Sept-Budget

September 2014 Goals:

  • Stay on budget. I know this is an obvious one, but it’s so easy to go crazy when on vacation. We are pretty good at keeping track of expenses while on vacation, so hoping to continue that success. :)
  • Finish cleaning out my storage closet. I made a good dent last month, but the rest needs to get finished.
  • No take-out coffee. Lattes aren’t a treat anymore. It’s become a “whenever I want it” kind of thing. I need to break that habit.
  • Save $850 towards retirement. Normal contributions are $750/month.
  • Start budgeting for Christmas. Have you started saving for the holidays yet?
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