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)

Spending

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

Category	Spent	Budgeted	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!
Pets	$579.77	$300	$370.98 (up $36.26)
Over Budget. I 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.
Car	$199	$200	$786.34 (up $33.16)
Over Budget. I didn't buy anything! This is just savings. Not even a tank of petrol.
Donations	$30		$10.93 (up $1.66)
Nothing this month.
Other	$214	$183.33	$241.90 (up $27.93)
Over Budget. Only 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.