Two months out of twelve! So far so good
Thinking back on it, I think I was a little too hard on myself last month. Yes, I spent just about $3,000, but my fixed costs also account for a good chunk of that. When I calculated my pared back number for my emergency fund, I calculated that I would need $2,500 a month. I had a fairly active month, and I was only $500 above my emergency fund number. I think it was just a case of actually seeing everything totaled up giving me a shock. I shouldn’t really give myself a hard time for living and having fun within my means.
That being said, I still had a good time this month, and I spent even less than that!
|Mortgage and Taxes||$ 1,258.86|
|Eating Out||$ 167.95|
|Vehicle Care||$ 60.89|
|Personal Care||$ 37.79|
$2,654.87. I can live with that.
I’ll note again that I’m using this as an opportunity to track my spending, not my income or savings, which is why you don’t see a value for RRSP savings, emergency savings, investments, cash or otherwise in here.
Mortgage and Taxes – Neutral
This is exactly what it sounds like, my mortgage and property taxes. There’s nothing really interesting to see here.
Groceries – Happy
This is a bit higher than last month, but I also did more of the shopping again. I do tend to favour the brands that are on sale when I’m shopping, but at the same time I also purchase organic produce when it’s available, regardless of the price. Yes, it stings a little paying $6 for a container of raspberries when the conventional ones are on sale for $3, but I’m okay with that for the time being.
So, yeah, $220 paid for groceries for 2 people including organic produce and mostly gluten free products (The Boy eats regular bread). It’s really not that bad when you think about it.
Utilities – Neutral
A small decrease in my utility bills due to me doing…. nothing? It’s just the fluctuation of utility rates and external temperatures at play here. Providing rates don’t do anything too crazy this will go down as we approach summer.
Eating Out – Happy
I’m pretty content with this. $65 went to Starbucks, and another $65 went towards dinner and drinks at a pub for The Boy and I. That accounts for all but $37 worth of my eating out this month. I did a much better job of packing lunches for work.
Insurance – Neutral
Combination of house insurance and car insurance. Not much is going to happen here for a little while.
Clothing – Happy
As per my New Year’s goals, I’m going through and replacing a bunch of my undergarments this year. With that in mind, $51 of this category went towards buying new underwear. $86 went towards buying a new pair of work pants and a few t-shirts, and $10 went towards a new cell phone cover because my existing cover was breaking. Technically a cell phone cover doesn’t count as clothing, but I’m considering it an accessory. It’s interactive. It has LEGO like pieces on the back that I can fidget with. It’s kind of awesome.
Alcohol – Neutral
Not a category I expect you’ll see on here often. We’ve been doing a lot of rearranging this month trying to make space to move the last of my things in. Not only has The Boy been getting rid of a lot of stuff, he took his beer fridge out of his man cave (the basement) and moved it into the garage so that we’d have more space. I surprised him and stocked it with beer for when he’s working on his projects out there.
Communication – Neutral
Still just my cell phone bill. Apparently I made a long distance call on it last month? I’m going to have to check into that.
Fuel – Happy
I’m happy with this number, but I can also guarantee you it will be higher next month. Gas has already gone up a good 20 cents a liter from its low in February, and The Boy has been starting my car for me while I’m getting ready for work because it’s been so cold out this past week.
Vehicle Care – Neutral
Got an oil change on my car at the beginning of the month. Nothing fancy. My salt bucket car is in serious need of a wash though.
Gifts – Happy
Valentine’s Day card and a baby shower gift
Personal Care – Happy
I bought a MAC paint pot in Bare Study (a frosted nude colour), and a box of hair dye that I plan on getting around to using tonight. I’m beginning to look old again! Lol.
One thing that doesn’t show up in here is the fact that I went for 2 massages this month to try and work some of the knots out of my back. I found a massage therapist near The Boy’s house that direct bills to my work insurance, so I haven’t had to pay for anything yet. So far it’s saved me a good $120!
Prescriptions – Neutral
I’m thoroughly fed up with my skin getting congested and breaking out, so I bit the bullet and picked up a tube of acne treatment. Hopefully I can get it back under control again. I wish this sucker on my chin would just go away already.
Fees – Neutral
I’m one of the (partially) clueless many who pays bank fees. I’ll probably kick this account to the curb after I sell my house, but for the time being it’s my main account.
This is how my spending broke out this month:
The only real pattern here is that I spend pretty consistently on Mondays and Fridays. A lot of the Monday ones are bill payments I scheduled on the weekend that came out on the first business day. As for the Fridays, you could basically call them my Saturdays. I had 3 day weekends every week during the month of February, because I was working 4-10 hour days instead of 5-8 hour days. Friday is basically my errand day when that happens.
Two months down, ten more to go! How did your spending go last month?
Recommended Reading: Big News That’s Not News