As I write this on the second of July I can honestly say I have no idea what happened back in May
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.
May Rate: 38%
2021 Average: 46%
Three-Year Average: 35%
Goal #2 Reduce Average Spending by 10%
May Spend: $4,530.02
2021 Average Spend: $4,294.56
2021 Average Spend: $4,294.56
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 | $700 | $954.17 | $973.39 (down $1.27) |
| Under Budget. Just Rent | |||
| Investment Property 1 | $1,432.37 | $1,100 | $1,222.07 (down $3.77) |
| Over Budget. Mortgage, water bill and council rates. | |||
| Home turned IP2 | $950 | $950 | $753.23 (up $7.55) |
| On Budget. The mortgage, and $70 set aside for later repairs. | |||
| Personal Bills | $137.10 | $137.50 | $130.35 (up $0.82) |
| Under Budget. Nothing new. | |||
| Groceries | $144.47 | $200 | $218.40 (up $0.91) |
| Over Budget. I'm not sure why it's under, I guess pasta and rice are cheap (and winter comforting). | |||
| Pets | $300 | $300 | $334.72 (up $15.19) |
| Over Budget. I put $130 aside for later, bought period pants for my new teenager and a lot of treats. | |||
| Roller Derby | $140.50 | $166.67 | $137.12 (down $4.78) |
| Under Budget. I paid dues, went on a mini-camp and bought some new gear. | |||
| Travelling | $50 | $105 | $54.17 (up $4.17) |
| Under Budget. Just putting aside money for the future | |||
| Comfort Food | $54 | $50 | $22.81 (down $9.62) |
| Under Budget. Back in the office one day a week, we had a going away lunch for a friend going on maternity leave. | |||
| Car | $199 | $200 | $753.18 (up $16.59) |
| Over Budget. A tank of petrol and starting to save for the inevitable repairs. I have $470 saved. | |||
| Donations | $0 | $9.27 (up $3.67) | |
| Nothing this month. | |||
| Other | $422.58 | $183.33 | $213.97 (down $1.50) |
| Under Budget. I had three psych appointments in May and look they help but damn they are expensive. | |||
| Total | $4,530.02 | $4,119.17 | $4,822.67 (up $35.49) |
| Total ex. Donations | $4,530.02 | $4,813.41 (up $31.83) | |
| Under Budget. This month had bills and three trips to a psychologist. No surprises it was expensive. | |||
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