Another month, another 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%
July Spend: $4,583.83
2021 Average Spend: $4,515.66
2021 Average Spend: $4,515.66
Goal Spend: $4,400 (or less)
Spending
Here's what I spent in July, which includes the save-to-spend amounts.
Category | Spent | Budgeted | 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 | |||
| Pets | $350 | $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. | |||
| Car | $199 | $200 | $802.93 (up $16.59) |
| Over Budget. $50 for petrol, $149 saved for repairs and annual bills | |||
| Donations | $60 | $15.93 (up $5.00) | |
| Donated $30 to myself for Pawgust, and $30 for a friends Dry July. | |||
| Other | $315.24 | $183.33 | $255.67 (up $13.77) |
| Over Budget. Only 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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