Monthly Archives: September 2011

August 2011 Recap

I knew that August was going to be an expensive month with a rafting trip, food and booze farewell parties, and spending too much time with friends on a patio.

Income: $3,766.17

Spending: $1,532.16

Just a normal 2 pay cheque month.  I also included the $100 I got from ING for opening up a Thrive checking account!  Love free money – take that, TD Bank!

Click on any image to enlarge.

Here’s where the money went in August:

On or under budget

Clothes: Shopping ban – check!

Cell Phone: New plan kicked in.  Saving me $10 a month 🙂

Gifts: For birthdays and goodbye gifts & cards.

Medical: No massage this month.  But I did see my dermatologist.  So that should be $18.  Oops.  I’ll add it now but not fixing the picture.

Over budget

Clearly, I did not anticipate all this spending! 😛

Eating Out: Socializing is expensive.  I also took out my family for dinner.  And I’ve been going for drinks and food after volleyball. Grrr…

Toiletries/Grooming: My acne flared up A LOT.  I panicked and went out to buy some new products.  I also got a foundation – I don’t count this as a cheat on my shopping ban.  But, whatever.  I didn’t have a good foundation for covering up my acne.  I also stocked up on blotting powder and dry shampoo. *tear*

Entertainment and Recreation: This includes only the car rental and gas for rafting trip.  I also bought food and booze for a party and attended a friend’s  party.

Transportation: Gas is expensive.  I bought more tokens.  I also signed up for Zipcar with a Groupon.  $29 for 1-year membership and $30 driving credit!

Groceries: No biggie.  There is some good wine and cheese in there. 🙂

Here is my net worth update:


I managed to eek out with a 1% gain and I am happy with that – considering the market and the drop in my portfolio.  Ouch.  Everything went down and the only reason my RRSP is positive is because of  automatic payments.

I’ve also got a lot of cash on hand.  I’ve finally topped up my Emergency Fund to $10,000 (yay, me!).  My “General Savings” includes my travel fund, as well.  Ideally, I would like $10,000 in Emergency Fund (done), $15,000 cash savings, and $4,000 in travel fund.

Time to re-balance my portfolio, do some research and buy some stocks 🙂

Summary:

Overall, I am happy with this month’s outcome.  Nothing I can do about the markets, c’est la vie  🙂

How was your spending in August?  Did you meet your budget goals?

Cheers,

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The F Word

Fall.

It’s September and I feel as though summer has just flew by.  As I get older, I feel that summer gets more and more precious.  I feel so protective of “my summer time”, and I try to squeeze every last drop of it.

I know this is self fish of me, but I am so glad that I got to spend almost every weekend the way I wanted.  That means, no weddings of acquaintances (or friends I haven’t spoken to in years), no unexpected visit from distant relatives, you get it. But I can’t help it, summer is short in Canada!

What I’ve been doing

  • Patios.  Drinks.  Dinners.  Lunch.  People watching. Just good old hanging out on a patio.  Love it.
  • Beach volleyball.  Sun. Sand. Friends.  Beer. It’s the only exercise I’ve been doing this summer, and I love it.  My friends and I play one weeknight a week and try to get in a weekend here and there.
  • Camping.  Sort of.  We pitched a tent and slept in it for 2 nights on a camp ground to save money on accommodations when we went white water rafting.
  • Road trips.  Even though this option may be more expensive with the rising cost of gas, I still think it’s a beautiful way to see the countryside and enjoy sites at your pace. Also lots of good stories to be shared if everyone doesn’t kill each other in the car!
  • Vacation.  Love doing nothing.  Except eating, sleeping, reading and writing.  Can someone please pay me for this?
  • Seafood.  I used to be afraid of sea crustaceans.  Something about their hard shells and claws reminds me to monsters.  Now, I’ve not only eaten my fair share, I can cook them, too!  Booyah!
  • Seeing my girl friends.  I never do this enough.  But I have been seeing them more consistently this summer and I am glad. Love them.  They keep me sane and grounded.
  • Meeting bloggers.  I finally get the change to meet bloggers whom I’ve been reading for years!  And yes, they are as amazing in real life!
  • Reading.  I’ve been on a non-fiction kick lately.  I love that I can actually get into a book instead of reading a page and a half and falling asleep in bed.
  • Cooking.  Learning to cook more simple flavours and having more time to enjoy the food with BF and friends.
  • Tracking finances.  I fell off the bandwagon last summer, but this summer, I am accounting for every expense.  Even though this is “work” and not “fun”, I love the control I have, and don’t have this cloud of “fear of spending too much and feeling guilty” over me.

Summer budget recap coming up!

Having said all that.  I am looking forward to fall.  Maybe it’s still the student in me, but I see fall as a time for new beginnings.  I love the crisper air and the smell of fireplaces.  I love the colours of changing leaves, snuggling up in warm sweaters and drinking hot tea on a slightly cool day.

Readers, what have you been up to this summer?  And what are your thoughts on fall – love it or hate it?

Cheers,

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Filed under Personal