Oh monkey it’s basically September!
First whole month at med school, let’s see how my money went:
|Aug predicted||Aug Actual||Difference||Reason|
|transportation||60||350||-290||car rental and gas, car2go for groceries|
|entertainment||50||193||-143||25 for canoe, 80 for formal tickets, 60 cash|
|debt repayment||0||339.67||-339.67||clerical error, loan interest|
|education||0||248.24||-248.24||practise license and app|
|personal savings rate:|
Okay so way better than July right???
And I only added $39.5 to my credit line this month! Little victories folks.
I was over budget, but half wasn’t even my fault!
Transportation: car2go is my life now, so I’ll have to figure out something soon. Just got a free bus pass so that might help??
Clothes: While I didn’t actually buy any clothes, which was my (unwritten) goal, I did buy a nice watch. (Read: my first watch ever that I didn’t use exclusively for track splits)
Gifts: Bought Cards against Humanity! Worth it.
Entertainment: I did buy tickets to an event I didn’t even go to, so that pretty much put me over for no reason. That’s some solid finances right?
Debt repayment: This is the part that kinda sort isn’t my fault! I’m back in school and so wasn’t supposed to have to make OSAP payments but the paperwork didn’t go through so I had to make one more $300 payment in August. Yes I paid a loan from another loan. Yes I’m a finance superstar.
School: I don’t think this really counts as over-budget or not because I did need to pay for a practice license to be able to actually do part of my school and I got a cool studying app on my phone. So responsible 🙂
Net worth Change:
Hahaha, certainly don’t want to do these so much anymore. . .
Current Net Worth: -31432.63!
Less barf this month. I did get a big student loan in so I’m planning on counting on what I’ve spent out of it so far instead of the full amount
1. Stay on budget for life expenses.
Well I didn’t totally stay on budget, but I’m going to give myself a solid B for effort.
2. Continue to track my spending.
Heck yes! I love tracking and even though sometimes I feel like I don’t have time it’s probably like 2 mins worth of work a day.
How was your month?