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Monday, 13 September 2021

August 2021 Update

August is over and my spending has really settled into a dull, unchanging rhythm.

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.

August Rate 21%
2021 Average: 42%
Three-Year Average34

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).

August Spend: $4,152.06
2021 Average Spend$4,470.21
Goal Spend: $4,400 (or less)

Spending

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


Category
Spent
Budgeted
12 Month Average
Home$700.00$954.17$972.30 (no change)
On Budget. Just the rent, twice.
Investment Property 1$1,063.11
$1,100$1223.02 (down $3.07)
Over Budget. Mortgage, and the council rates. 
Home turned IP2$950$950$888.33 (up $16.66)
On Budget Just the mortgage, and $63 saved for future maintenance.
Personal Bills$137.10$137.50$133.63 (up $0.82)
Under Budget. Nothing new.
Groceries$223.81$200$219.54 (up $10.03)
Over BudgetI'm trying to share the shopping load more
Pets$386.29
$350$382.34 (up $7.20)
Over Budget.. again this time because puppy got spayed. As much as I love her, I don't need puppies.
Roller Derby$129.50
$166.67$132.33 (down $0.67)
Under Budget. Mostly saving for new gear to be honest
Travelling$50$105$54.17 (down $4.16)
Under Budget. Just putting aside money for the future 
Comfort Food$103.60$50$33.48 (up $8.63)
Over Budget. Really leaned in to the snacks this month.
Car$199
$200$819.51 (up $16.85)
Under Budget. $50 for petrol, $15 on parking at hospitals, and the rest saved for later
Donations$0
$15.93
None
Other$209.65$183.33
$206.97 (down $48.70)
Over BudgetOne psych trip (my last! for now :) ) and I bought tickets for a live show, that was immediately postponed.
Total$4,152.06$4,316.67$5,081.54 (up $3.32)
Total ex. Donations$4,152.06
$5,065.61 (up $3.32)
Under Budget. I'm starting to realise that significant chunks of my spending are actually saving for the future - so thats nice I guess.

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