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 Budget. Puppy 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.