REMEMBER: You can download this budget template!
November felt like the month of spending, probably because of how many times I went shopping, but the total at the bottom of this budget actually looks pretty good. Let’s see where I got tripped up:
From the top, I accomplished all of my savings goals! Unfortunately, I didn’t finish my Christmas shopping – but I have some of that Christmas money tucked aside still, for the last few gifts.
My parents, whom I housesat for in Victoria, ended up paying for one of my trips on the ferry, so that budget got cut in half. But if you scroll down to my Restaurant budget, most of that went towards coffee dates and dinners with friends while I was over there… so it was still an expensive trip.
TELUS seems to have finally figured out my Internet bill, as it’s back up to it’s usual $33.60. Of course, I wasn’t complaining about the small bill I received last month, but for budgeting purposes it’s nice to know how much I’ll be paying going forward.
Transportation costs look good. I’m always amazed at how little gas I need each month. Now that I’ve said that, who wants to bet December’s budget will go through the roof, haha. But in all seriousness, it has paid to own an economical car. (Go, Bandit!)
As for the rest, well… life happens! I spent almost $240 on myself this month – $140 on “things”, which I talked about on Gail’s blog, and another $100 on getting my hair cut/highlighted. I also spoiled Baby Bro for his 18th birthday, and took $80 cash with me to Toronto that I spent on food, fun, etc.
In the end, I saved 29% of my income (23% in long-term savings, 6% in planned spending), spent 35% on housing, 9% on food, 10% on transportation, 4% on travel (including the $80 cash I spent in Toronto) and the leftover 13% on myself and others. Not a bad month, overall!
Goals for this month:
- Finish 3-4 chapters of CSC – FAIL! I finished 1. Ouch.
- Read 1 book – PASS! This month, I finished reading It’s Your Money by Gail Vaz-Oxlade and started reading Drink by Ann Dowsett Johnston.
- Go to a movie – PASS! I saw Catching Fire in the theatre with my whole family.
- Try to start/finish my Christmas shopping – PASS/FAIL! I started my Christmas shopping but still have a few small things to buy/make.
- Bake Baby Bro a cake for his 18th birthday and celebrate! – PASS!
How did your month finish up?
Also, in case you missed them, you can still read this month’s guest posts on Gail Vaz-Oxlade’s blog: