Week 3: November 2017

When I got paid last time I transferred the money into a holding account with the thought that I would move funds over when I get paid next, on the 23rd. That didn’t quite work out as planned so today I transferred over a bit to see me through the rest of the month.

I was supposed to only have one expense this week: Breakfast with my dad. That went a bit higher than anticipated as I had forgotten to factor in the taxes and tip into my figure. I also added a couple of expenses. The first was Bunny related.

At 9,  my darling girl got her first cold. So off she went to the vet, which was an unanticipated cost that only grew when I added in medication. Thankfully, I have my Life Happens account that was able to take the hit.

Last year, for the first time, we did personalized Christmas cards. It was thrilling and Bunny had served as my model. Fresh off a day of weeping as I had never let anyone keep Bunny I decided that since this may be her last Christmas we’re sending family cards again!

You can probably tell that this was an emotional decision rather than one rooted in deep through and budget consultation. Luckily for the budget, VistaPrint is running a promotion so the cost wasn’t awful.

However, it does mean that I only have $120 left for the month to complete ~$160 worth of activities. I revisited my spending plan and came up with this option.

Variable Cost Activity Cost  Total
Eating out Dinner with friends $20
Lunch with work $18
Lunch with my mum $40  $          78
Gas $40  $          40
Anticipated Spending  $        118

While I had been guessing on the previous meals, now that I know where the dinner and work lunch are going to take place I took a peek at the menus and calculated my meal including taxes and tip. Now, I just have to ensure that whatever I select definitely stays within my budget.

I adjusted the price of lunch with my mum and I’m hopeful that I can stay in budget. It’s a bit harder as I’d like to buy us both lunch when we do a group shopping trip.

The slightly tough part is that all these expenses are this week. Which means that the last week in November I’m going to have to be strong and not purchase a thing if I want to stay within budget.

 

 

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