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Tuesday, 3 August 2021

June 2021 Update

Have you ever spent so much in a month, it causes Excel to relabel your chart axes? Because I have.
 The worst part is I didn't really spend on anything interesting - the vast majority boils down to 'all the houses had bills in the same month'.

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.

June Rate: 22%
2021 Average: 42%
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).

June Spend: $5,553.01
2021 Average Spend: $4,504.30
Goal Spend: $4,400 (or less)


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

12 Month Average
Home$1,133.52$954.17$961.47 (up $11.92)
Over Budget. Rent and the power bill. I hate the power bill
Investment Property 1$1,629.61
$1,100$1,224.65 (up $2.58)
Over Budget. Mortgage, and the body corporate fees.. 
Home turned IP2$1,22.65$950$838.09 (up $84.86)
Over Budget. The mortgage, and landlords insurance.
Personal Bills$137.10$137.50$131.99 (up $1.64)
Under Budget. Nothing new.
Groceries$197.96$200$214.43 (down $3.97)
Under Budget. Finally a month that's come in actually near the budget!
$300$370.98 (up $36.26
Over BudgetI bought a multi-pass for daycare that should last 2-3months, but there won't be a break in expensive months. Puppy is due to be spayed soon, and her annual registration is coming up as well.
Roller Derby$86.67
$166.67$136.05 (down $1.07)
Under Budget. I paid dues, and bought a lunch. Look at me go!
Travelling$50$105$62.50 (up $8.33)
Under Budget. Just putting aside money for the future 
Comfort Food$30$50$25.23 (down $2.42)
Under Budget. This month really was comfort food - I bought snack and soup supplies after therapy.
$200$786.34 (up $33.16)
Over Budget. I didn't buy anything! This is just savings. Not even a tank of petrol.
$10.93 (up $1.66)
Nothing this month.
$241.90 (up $27.93)
Over BudgetOnly one psych trip this month, but at $100 each after rebates, they are not cheap.
Total$5,513.01$4,119.17$5,004.55 (up $181.88)
Total ex. Donations$5,483.01
$4,993.62 (up $180.21)
Over Budget. It's pretty disheartening that the spending is so high when so much of it is just bills. It's not like I even did much fun.

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