NEW: You can download a blank copy of this budget and use it as a template!
“New month, new apartment, new goals… new budget!” That’s what I said last month and the same is true again this month, haha.
Even though this move is costing me a pretty penny, I cannot properly express how good I feel about what the final outcome will be. With that being said, one number has been left out of this budget and that’s the rent I’m paying at my new apartment. Why? Because I pulled the entire amount out of my Emergency Fund (sad), so it doesn’t need to be accounted for again here (thanks Cassie, for reminding me not to count my money twice!). It sure does suck to have to pay rent at two places though. Anyway, onto the numbers…
Remember all of those savings goals I made for myself this summer? Well, consider them dead. (For now, anyway.) I want to boost my Emergency Fund back up to $2,000, before I do anything else, because this month has taught me that emergencies do happen! I’m going to continue to save $330 in my RRSPs though, because saving for my retirement is more important than saving for a trip. (Wait, who am I!?) Finally, Christmas is coming up! Since I like to get my shopping done before December 1st, I need to save a little now.
I’m going home to Victoria for Thanksgiving, so that amount is essentially just me bringing my car over on the ferry. Housing… you know what’s happening there. I’d love to come under budget with my move, but I don’t really see that happening. (At least I won’t have to do this again for a while, eh?) And the amount I’ve budgeted for food is fairly standard, but I’m serious about restricting my Restaurant budget this month. October is going to be expensive enough as it is. I don’t think my budget can handle too much takeout!
Everything else looks pretty normal here. My car insurance went down by a few dollars, so I guess ICBC considers Port Moody to be a slightly less risky place to drive / keep a car than New Westminster. One budget I did boost up was my Personal Care budget and that’s because I’m in the market for a new pair of rain boots. It’s rained so much here this week that I nearly considered buying them early, but my feet can get wet for a few more weeks until this move is done and I actually have some extra cash on hand.
As for the total at the bottom, you may have noticed it’s a little larger than usual… that’s because this girl got her first official raise! Well, one that wasn’t given to me for the simple fact that a union said I should get one. I have to admit, it felt good – and motivating!
Goals for the month:
- Enroll in the Canadian Securities Course
- Finish a secret little writing project I’m working on
- MOVE (Unpack, hang pictures, get settled…)
- Read 1 book
- Track my spending
What do you have planned for this month?