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Friday, 4 June 2021

April 2021 Update


I forgot about this post!

Goals For 2021

The exact same as 2020. I think we all agree to write off 2020.

Goal #1: 50% Savings




Yet again, the actual goal is for this 12 month period to sit comfortably above 50%. Ideally, I'd like to bring the 3year rate up as well, but we'll see how that actually goes.

April Rate: 53%
2021 Average: 48%
Three-Year Average: 34

Goal #2 Reduce Average Spending by 10%


The goal is to reduce my average spend by 10% from January 2019 - bringing it down below $4,400 (a nice rounded number).

April Spend: $3,992.88
2021 Average Spend: $4,235.69
Goal Spend: $4,400 (or less)

Spending

Here's what I spent in April, which includes the save-to-spend amounts.  


Category
Spent
Budgeted
12 Month Average
Home$823.53$954.17$973.39 (down $1.27)
Under Budget. 2 rents and the gas bill.
Investment Property 1$1,050
$1,100$1,222.07 (down $3.77)
On Budget. The mortgage, and $440 set aside for later. 
Home turned IP2$950$950$753.23 (up $7.55)
On Budget. The mortgage, and $50 set aside for later repairs.
Personal Bills$137.10$137.50$130.35 (up $0.82)
Under Budget. New health insurance premiums :( time to shop around methinks.
Groceries$245.13$200$218.40 (up $0.91)
Over Budget. Nothing interesting to say. Monkey see food, monkey eat food.
Pets$387.96
$300$334.72 (up $15.19)
Over BudgetPuppy was having some confidence issues, so I enrolled her in daycare, with the intent to enter their 'daycare academy' once she was used to the space. I'm not sure if it coincided with a developmental milestone, or if she just really appreciated the energy burn, but she's been a very good girl since.
Roller Derby$62.67
$166.67$137.12 (down $4.78)
Under Budget. I paid dues, and that's it.
Travelling$50$105$54.17 (up $4.17)
Under Budget. Just putting aside money for the future 
Comfort Food$9.50$50$22.81 (down $9.62)
Under Budget. Back in the office one day a week, I've been doing networking coffee dates.
Car$199.00
$200$753.18 (up $16.59)
Over Budget. A tank of petrol and starting to save for the inevitable repairs. I have $300 saved.
Donations$44
$9.27 (up $3.67)
A friend of mine is doing the Refugee Ration Challenge. She'll eat the same as a refugee for a week, and all money raised goes to support refugees around the world.
Other$33.99$183.33
$213.97 (down $1.50)
Under Budget. I'm on iron pills now to see if it helps my mood disorder. It's been great so far! The other $10 is saving for future shopping.
Total$3,992.88$4,119.17$4,822.67 (up $35.49)
Total ex. Donations$3,948.88
$4,813.41 (up $31.83)
Under Budget. Puppy continues to be more expensive than expected. Mostly this boils down having a sport dog versus a pet dog. This month I paid $150 for 4 daycare sessions, and $100 for a travel crate. All things I wouldn't need for a pet but are essential for a balanced sport dog.

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