Holy moly. How did we come to December so quickly?
October and November were fairly expensive months. In addition to putting work expenses under my credit card, and paying for travel, I also indulged in some shopping for clothes, make-up, jewelry and some “renovation” materials.
Overall, I do not regret spending the money on the extras, I will go into details of my shopping (with pictures and all my excuses in the world) in a separate post.
For now, let’s look at where my money went.
Here’s the damage.
Income (Oct & Nov): $7,751.10
Spending (Oct & Nov): $2,509.97 *
*Please note that I presented things a little funny – I have not included travel costs in my budgets; however, I have taken the money out of my net worth since it was money spent. I have yet to tally up my travel expense, but I hope to get it done soon.
Both October and November were normal 2 pay cheque months.
Click on any image to enlarge.
Here’s where the money went in October:
On or under budget
November. Overall, I was very happy with my (lack of) spending. Of course, I was also away for 2 weeks, so almost half my expenses for that month was on rent :). I can only do so much damage in 2 weeks.
Clearly, I went a little wild in October
Toiletries/Grooming: I just downloaded this Shoppers Drugmart app for my iPod Touch and it is so awesome. I snagged 5 Revlon lippies for $3.99 each when regular price is $10.49 each. I practically stole them from the store, right? I mean, it’s almost like saving, right?!
Clothing: Since I already broke my shopping ban, I then proceeded to do a full on closet clean out What-Not-Wear style with the lovely Fabulously Broke. Will do a full post on this, but my closet looked very sad after our clean out. :( And so, we went shopping for things that would actually work for me. There was also an Amrita Singh sale… Yep, that’s all the excuses I got.
Groceries: When BF comes over, we usually go out and buy groceries and cook together. Even this saves us money from dining out, it is usually more than I would spend on groceries for myself, alone.
Medical: I got a cold while traveling for work, so I had to stock up on some medication. Cold medicine is expensive!!
Misc: I needed to take my passport photograph and renew my passport. On the bright side, my passport picture looks awesome (how often do you hear that, right?) and I am satisfied with it for the next 5 years!
Rent/Mortgage: I wasn’t sure where to put my costs for “Phase II” renovations. I think it makes the most sense to put it under rent since it is for housing, and I don’t usually have reno/housing items. I bought a closet organizer, a book shelf divider, a bathroom sink shelf and many hangers and storage containers. My closet looks so much better now.
Wow, are we done, yet?
Here is my net worth update for Oct and Nov:
So, basically, almost no change to my net worth since September. Which is really a bit depressing. Even though I did spend a bunch of money traveling
Overall, I guess I am ok. I would be happier if my networth increased, of course. I think this is the first month that it has decreased…:(
My only consolation is that December is going to be a good month for income. It’s a 3 pay cheque month and I get a modest work bonus. *Fingers crossed*
How was your spending in November? Did you meet your budget goals?