Monthly Debrief: June 20118

 

TRACKING

  •  # Buy nothing days :13
  • # times ate out/purchased take out: 6
  • # activities with loved ones: 10 (I’ve gotten bad at tracking this)
  • $ saved at Costco: ?
  • % over or under budget:7% over budget (best  since February!)

CELEBRATE:

  • This  is the closest I’ve come to sticking to my budget in the year
  • I haven’t felt pressed or as though I’ve been missing out

DIP INTO SAVINGS/CREDIT

  • Our 10th anniversary  party is getting expensive! I’ve been able to use savings so far to cover the costs
  • Final kitchen purchases of a curtain rod and bumpers to protect cabinet corners

KEEP IN MIND

June is usually my crazy month of overspending. I’m pleased that the overspending isn’t crazy. The places I went overboard were groceries and entertainment. The entertainment was for Father’s Day.

OVERALL

This month was fantastic! I’m aiming to make July a frugal month, while ML & I make some healthier choices. Our goal is to drop a couple pounds each this month and tone up.

Advertisements

Trying to not re-start the Cycle

I’ve taken a break from posting because I did the bad thing…I took a break from properly budgeting. I had started doing weekly checks with myself when I discovered early on that this system works best for me. Then we started the kitchen renovation last month and boy did the spending get overwhelming fast. This seems like a great time to reinstate monthly debriefing!

TRACKING

  •  # Buy nothing days :3
  • # times ate out/purchased take out: 15
  • # activities with loved ones: 10 (I’ve gotten bad at tracking this)
  • $ saved at Costco: ?
  • % over or under budget: 24% over budget (this means that I’ve overspent my paycheque as well)

CELEBRATE:

  • We’re nearly through the kitchen renovation
  • We opted for pretty healthy options for the most part when eating out
  • Recommitted to my work out routine

DIP INTO SAVINGS/CREDIT

  • The washing machine died and we were able to put it on the same deferred payment plan as the kitchen
  • The kitchen and home renovation pieces are all coming out of savings right now which feels pretty good

KEEP IN MIND

We began a major home renovation. Though I tried to fight the urge to buy new, pretty things for the kitchen I did succumb and purchase new mats, a pretty colander, jars to hold dry goods, and a much needed spoon. Our grocery spending seemed excessive but was a good reminder that purchasing ‘convenience’ food is definitely more expensive than purchasing ingredients.

OVERALL

March was a whirlwind of spending. I’ve already begun April  without a lot of clear though but I’m definitely going to attempt to make it a bit of a frugal month.

 

November 2017 Debrief

TRACKING

  •  # Buy nothing days : 17
  • # times used S’mores Maker (aiming for 6 uses in 2017): 0
  • # times ate out/purchased take out: 12
  • # activities with loved ones: 6 (I’ve gotten bad at tracking this)
  • $ saved at Costco: $50
  • % over or under budget: 18% over budget

CELEBRATE:

  • Christmas shopping is complete!

DIP INTO SAVINGS/CREDIT

  • Paid for Bunny’s vet bills through the Life Happens line
  • Went overboard at a special vendor sale and overspent by ~$200

KEEP IN MIND

This month was supposed to be my way to get my spending back under control. I’m slowly. The areas I went overboard were on groceries, fashion (shoes), gas for a conference, and eating out.

My eating out was added to by almost daily trips to a coffee shop. That habit needs to stop!

OVERALL

I was doing quite well until the last week when I seem to have lost all reason and spent everything.

December is always a time of extras: more groceries, last minute dinner invitations, more going out.

June 2017 Debrief

TRACKING

  •  # Buy nothing days : 13
  • # times used S’mores Maker (aiming for 6 uses in 2017): 0 – though we did have s’mores over the fire
  • # times ate out/purchased take out: 8
  • # activities with loved ones: 6 (I’ve gotten bad at tracking this)
  • $ saved at Costco: $30
  • % over or under budget: 19% over budget

CELEBRATE:

DIP INTO SAVINGS/CREDIT

  • Home renovation line for a new shower head, mattress for visitors and room dividers

KEEP IN MIND

June is traditionally one of the months that I just fly over budget.  This year my major culprits were my fashion line and entertainment. I had figured, incorrectly, that I would be too tired to entertain this month. While I was tired this meant that we purchased convenience to entertain people rather than cooking a lot.

I must be more careful with Costco! My entire overage was spent in Costco. While I’m confident that the money was well spent and I did stick to lists all 3 times I went. It’s a lot.

My savings may be greater than the $30 noted but I don’t compare brand to brand I compare grocery brand to costco brand. The reason for this is that generally I select the least expensive option. If I’m in a grocery store looking at canned vegetables I’ll choose the cheapest one so when I’m in Costco if the cheapest  option doesn’t beat the grocery brand I don’t consider it a savings.

An example is the shower head. I paid $40 for it. That’s an awesome deal! Especially as it’s valued at $70, however, when I had gone to the hardware I realized that I would have happily purchased the $40 option they had. Would it have been as nice? Not by a long shot! Would if have done the job? Absolutley! Therefore the ‘savings’ recorded are $0.

OVERALL

I did really well. I knew that keeping to my budget would be impossible this month. July, however, is my chance to re-set.

There’s going to be lots of re-setting as I start back eating properly, exercising and spending frugally.

May 2017 Debrief

May

TRACKING

  •  # Buy nothing days : 9
  • # times used S’mores Maker (aiming for 6 uses in 2017): 0 – I suspect this will be pulled out in the summer
  • # times ate out/purchased take out: 11
  • # activities with loved ones: 18
  • $ saved at Costco: $52
  • % over or under budget: 3.5% over budget

CELEBRATE:

  • I had budgeted $300 for my gardening (including materials) and it came to $222
  • I spent a lot of time with people I care about this month

DIP INTO SAVINGS/CREDIT

  • Car line was used to replace the muffler
  • Life Happens line was used for the gardening supplies
  • Gifts was used for birthday presents

KEEP IN MIND

June is traditionally one of the months that I just fly over budget.  While I have a decent plan I need to be forgiving next month as I realize that I have tightened my purse strings from what it was.

We’re also increasing the amount of hosting we do, though a lot of this will be covered by ML some will come from our grocery line.

OVERALL

This is month 2 of the tighter budget and though I’m still over I’m getting better each month. Our savings really came in handy and helped us

Image courtesy of arztsamui at FreeDigitalPhotos.net

Monthly Debrief: March 2017

I’m a bit late reviewing my month and though it spent like I was spending lots I feel I did pretty well.

 

TRACKING

  •  # Buy nothing days : 16
  • # times used S’mores Maker (aiming for 6 uses in 2017): 0 – I suspect this will be pulled out in the summer
  • # times ate out/purchased take out: 8
  • # activities with loved ones: 12
  • $ saved at Costco: $39.00
  • % over or under budget: 5% over budget

CELEBRATE:

  • We were very responsible with our first trip to Costco
  • We did really well on our pantry challenge

DIP INTO SAVINGS/CREDIT

  • No savings were dipped in for this month

KEEP IN MIND

  • This was the first month on my new, tighter budget. So while I was over budget, I still spent  less than last month. This challenge is going to be a frugal reset for me and will hopefully result in me putting more money towards the kitchen reno.

OVERALL

Job well done, though I really need to bring that eating out line under control. Part of the cost is that ML and I are going out together more right now so I pay for both of us which inflates the amount spent. Since it’s something I enjoy doing with him, it means that I need to be selective about who I go out with and where we go if I want to have at least one nice meal out a month with him.

Image courtesy of arztsamui at FreeDigitalPhotos.net

February 2017 debrief

feb

 

TRACKING

  •  # Buy nothing days : 9 days
  • # times used S’mores Maker (aiming for 6 uses in 2017): 0 – I suspect this will be pulled out in the summer
  • # times ate out/purchased take out: 2
  • # activities with loved ones: 9
  • % over or under budget: 2% under budget

CELEBRATE:

  • I was aiming for an uber frugal month but rather than dip into savings I used money that was within my monthly budget to pay for yoga classes and cover some of the vacation costs
  • Still behaving quite will with my concussion and I’m definitely seeing improvements
  • I’ve switched internet providers and will be seeing a $20 – $30 change in price

DIP INTO SAVINGS/CREDIT

  • My vacation line definitely took a hit! But allin all I was good.

KEEP IN MIND

  • March often gets expensive as I usually have lots of joint birthday celebrations. As I’m still recovering I haven’t scheduled anything so I may be just fine
  • I did so well in January and February that I gave myself a reduction in budget. I find if the money is available I tend to spend it. I need to remember the budget cut in case I find that I’ve cut too much
  • Some groceries were purchased using points and I wasn’t home for a week this month
  • I hope to keep the spirit of uber frugal month alive in March

OVERALL

February has been a success! I definitely felt treated but my budget wasn’t stretched!

Image courtesy of arztsamui at FreeDigitalPhotos.net

Monthly Debrief:January 2017

January

TRACKING

  •  # Buy nothing days : 19 days (as of the 29th)
  • # times used S’mores Maker (aiming for 6 uses in 2017): 0
  • # times ate out/purchased take out: 6
  • # activities with loved ones: TBD
  • % over or under budget: 7% under budget (I’ll be doing some spending today so this will change a bit)

CELEBRATE:

  • Uber Frugal Month was a huge success! We spent a bit more than half the budgeted amount on groceries and I’ll be able to put a sizable chunk into my Fun Fund.
  • In spite of my injury I didn’t soothe myself with purchasing things.
  • This time last year I had 7 months to go on my consumer debt! Now the only debt I have is my mortgage. Paying it off in 10 years no longer seems like a crazy idea.
  • ML is debt free!!!!!

DIP INTO SAVINGS/CREDIT

  • I was able to pay for my parents car repairs from my savings and then get reimbursed

KEEP IN MIND

  • February is going to be tough! I’ve got a conference, loads of lunches that got moved from January and I’m out of town for a chunk of it.
  • Don’t get caught up in sale hype. If you don’t need in the foreseeable future don’t buy it (Looking at you tinned veg that was ‘on sale’)
  • I probably won’t be this far under budget next month as I did cancel a lot of things this month
  • I hope to keep the spirit of uber frugal month alive in February.

OVERALL

I’m really pleased with this month’s spending! Previously illness meant ‘treating myself’ to feel good food, a new book or a game of some sort. This time it meant free audiobooks on YouTube, Bunny cuddles, and making use of all my Christmas tea.

Image courtesy of arztsamui at FreeDigitalPhotos.net

Debriefing December 2016

december

 

TRACKING

  •  # Buy nothing days :14 days
  • # times used S’mores Maker (aiming for 8 uses in 2016): 2+0=2
  • # times used champagne saucers (aiming for 7 uses in 2016): 4+4=8
  • # times ate out: 9
  • # activities with friends/family: 14
  • % over or under budget:1% over budget.
  • % of goal put toward ML’s debt: 100%

CELEBRATE:

  • ML is consumer debt free!
  • Starting the year in the black!
  • I’m tracking my budget here rather than my income. I got a bit of an increase in November as certain automatic payments aren’t taken in November so my gifts were able to come out of this excess.

DIP INTO SAVINGS/CREDIT

  • Used my gift line to cover some items
  • Used my vacation line to cover additional time after the conference
  • Used the buffer to cover gifts

KEEP IN MIND

  • December is an odd month for overspending; January is a time to reset.
  • No is a complete sentence! I need to learn how to say it nicely to people when their suggested events do not fit into our budget.

OVERALL

November seems so long ago! I felt good in the month but my gift line began to stress me. I also went a bit overboard already in December so I’m going to work at not let my spendthrift side take over.

Image courtesy arztasumia via freedigitalphotos.net

Debriefing November 2016

november

TRACKING

  •  # Buy nothing days :10 days
  • # times used S’mores Maker (aiming for 8 uses in 2016): 2+0=2
  • # times used champagne saucers (aiming for 7 uses in 2016): 4+4=8
  • # times ate out:6
  • # activities with friends/family: 8
  • % over or under budget:.3% over budget.
  • % of goal put toward ML’s debt: 100%

CELEBRATE:

  • ML and I celebrated our anniversary on a budget and t was fantastic! We took a couple days just for us
  • Though I was over budget it was my bills that had me this way rather than overspending
  • I’m tracking my budget here rather htan my income. I got a bit of an increase in November as certain automatic payments aren’t taken in November so my gifts were able to come out of this excess.

DIP INTO SAVINGS/CREDIT

  • My gift line has been cleaned out
  • My insurance didn’t cover all of an appointment so the savings went to that
  • my dream got paid out of my Life Happens line

KEEP IN MIND

  • Next year I need to figure out my Christmas gift line so I’m prepared
  • No is a complete sentence! I need to learn how to say it nicely to people when their suggested events do not fit into our budget.

OVERALL

November seems so long ago! I felt good in the month but my gift line began to stress me. I also went a bit overboard already in December so I’m going to work at not let my spendthrift side take over.

Image courtesy arztasumia via freedigitalphotos.net