End of Month Dec 2013

December 2013 Monthly Review.

Well I expected this to be hilarious, and it is.

Good news is that I got a lot of unexpected cash to balance out my pricey gift shopping this year.

  Dec predicted Dec Actual Difference  
         
Rent 750 771.53 -21.53  
Utilities 63 63    
transportation 60 68.83 -8.83  
phone 40 35 5  
groceries/personal care 250 346 -96 10.50 from xmas gift
restaurant 85 18.15 66.85  
clothes 50 135.69 -85.69 60.35 from xmas gift
gifts 200 676 -406  
entertainment 200 188.97 11.03  
bank fees 15 15    
savings 500 868.58    
debt repayment 400 300 100  
retirement 50 50    
         
Income 2700 3703   $400 gifts, $101 gst, $264 work
spent 2663 3536.75    
Difference 37  166.25    

Over Budget

Rent: That $21.53 is all I spent on holiday decorations so I’m pretty impressed with myself.

Transportation: Not too shabby, used car2go a bit.

Clothes: Well between shopping for everyone else, gifts of cash and boxing day I just had to spend something. Two sweaters, one pair of dress pants, and hosiery so at least it’s good for work!

Gifts: Oh mango. I was off to such a great start. And actually, I was a great shopper on 10 out of the 11 gifts I had to buy. I didn’t go home for the holidays so I splurged and got my parents a flight gift certificate so they can come to visit me sometime.

Net worth Change:

Start of Nov Net Worth: -11101.23

Current Net Worth: -9990.31

Into the 5 digits of negative net worth- woot!!

Difference: an increase of $1110.92 or 10.1%!!

Goal Progress:

Financial Goals

1. Save at least $6000 for potential tuition for Sept 2014- I have 35% of it saved already!

2. Put at least $400 a month to student loan- I know I didn’t do it this month, but instead I tried to max out my savings. 

Personal Goals

1. Get out and meet people in my new city- try a new activity at least once a week-I thought  my partner would be away all month, but we ended up together and going to 3 great holiday parties! Lots of fun, food and drink.

2. Plan an vacation with my partner outside of Canada (California? Turkey? Hawaii?)- Steadily contributing to this. 20% of my goal of $1000 but still in the dreaming phase of where to go. 

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One thought on “End of Month Dec 2013

  1. Cheers to a great month! You are an inspiration – I love reading your goals and budgets! Keep up the great work!!!!!!

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