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Monday, 13 September 2021

July 2021 Update

Another month, any very late update.

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.

July Rate: 64%
2021 Average: 45%
Three-Year Average: 35

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).

July Spend: $4,583.83
2021 Average Spend: $4,515.66
Goal Spend: $4,400 (or less)


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

12 Month Average
Home$1,179.99$954.17$972.30 (up $10.83)
Over Budget. 3x rent month and the gas bill.
Investment Property 1$1,050
$1,100$1,226.09 (up $1.44)
On Budget Mortgage, and the water bill. 
Home turned IP2$950$950$871.67 (up $33.58)
On Budget Just the mortgage, and $75 saved for future maintenance.
Personal Bills$137.10$137.50$132.81 (up $0.82)
Under Budget. Nothing new.
Groceries$160.17$200$209.51 (down $4.92)
Under Budget. Well under budget - because my partner does most of the shopping
$350$375.14 (up $4.16
On Budget!! Finally on budget!! Because I raised the budget slightly - we would have made it either way, as I had $125 left to put aside for emergencies.
Roller Derby$83.33
$166.67$133.00 (down $3.05)
Under Budget. I paid dues I didn't need to (whoops, bank it for later) and bought a group gift for a friends surgery recovery.
Travelling$50$105$58.33 (down $4.17)
Under Budget. Just putting aside money for the future 
Comfort Food$49$50$24.85 (down $0.38)
Under Budget. Ice cream, chocolate and all those other high sugar things.
$200$802.93 (up $16.59)
Over Budget. $50 for petrol, $149 saved for repairs and annual bills
$15.93 (up $5.00)
Donated $30 to myself for Pawgust, and $30 for a friends Dry July.
$255.67 (up $13.77)
Over BudgetOnly one psych trip this month, but my rebate didn't come through. The system is exceptionally slow and I don't love it.
Total$4,583.83$4,316.67$5,078.22 (up $73.67)
Total ex. Donations$4,523.83
$5,062.29 (up $68.69)
Over Budget. It's nice to see a lower spend month, lockdowns help, not much to do but chill on the couch and play video games.

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