November 2012 Budget Roundup = +$1336.56 or +0.66%
Apparently low blood pressure was the only cause of my health problems this month (nausea, dizziness, fatigue), and otherwise I am in tip top, perfect shape.
Got my free checkup and free blood test (thank you universal Canadian healthcare!), and a Post-It prescription from my doc to take omega-3 pills and folic acid.
Will be back to see him for another blood test in 3 months.
I also went in to see a massage therapist for my slightly pinched nerve who told me to heat my right shoulder and side, because it’s stiffening and could use something to help the muscles loosen.
She told me to heat pack it and stretch that side more during yoga (cheaper than weekly massages).
NOT WINTERIZING ANY MORE
I just realized that the less I work, the cheaper I become with my expenses.
There’s no need for me to do this because I am beyond financially comfortable for my age, but I’ve noticed a pattern in myself: every time I stop working for more than 2-3 months, my mind starts ticking and slowing down on the spending.
I get cheaper, I don’t want to buy or pay for anything that is not absolutely 100% amazing or tasty, and I don’t even want to hear the word “vacation” come out of BF’s mouth.
It’s kind of awesome in a ridiculous way.
Even for 2012, I wanted to buy:
- a hat ($200)
- boots ($400)
- gloves ($200)
- a super warm coat ($700) for -35 Celsius degrees days
But I’ve decided against all that.
I went from giving myself a budget of $1500 for everything in total to $100 because I’m still considering a non-cloth/fabric hat of some kind, and I want to replace the insoles on my old winter boots to sexy Birkenstock ones.
(Note: The big fat budget is because I like to buy things once and not buy them any more.)
- Boots: Returned UGG boots because of price; Will keep old ones & wear 2 layers of socks
- Gloves: On hold for now and will just put my hands in my pockets all winter if I get cold
- Coat: Keep my old coat, wear THREE layers of cashmere and deal with it
Purse & Bank Account = Happier.
FEELING THE BURN OF CASH?
Our insula (associated with pain) is activated by prices that seem too high.
…and she also notes that if you spend in CASH rather than on credit, you don’t feel any pain, hence why if you want to find money to save, you have to buy everything in cash so you’re in pain every time you fork over a penny.
That doesn’t seem to apply to me. (See above: Not Winterizing Any More)
I buy everything on my credit card, but I still feel the pain when I see the receipt and the amount, because I treat my credit card like a cash card.
INCOME = $729.95
Surprisingly (or not), I made a little bit of money this month!!!
- Advertising: $300 (1 advertiser, one-off deal)
- Consigning/Selling stuff: $429.95 (still have some stuff out on consignment)
It doesn’t cover my expenses by a long shot, but at least it wasn’t a pathetic $0 this month.
I also can’t really call consigning/selling stuff “income” as it is really lost income in the form of a previous frivolous expense, but it does make my wallet feel better.
Note: I can’t realistically make any money until 2013, as there are no contracts because most of the company budgets have been used up, and they have no money left for freelancers.
Nice excuse right?
Too bad it’s true. *sigh*
EXPENSES = $3000.16
Almost right on the nose..
Aside from rent, I was partly in Hong Kong for this month, so I put my Hong Kong spending here, which inflates it slightly by about $264.81.
We also went for a little Montreal jaunt to tie up loose ends (I owed $11 from my driver’s license payment, what’s up with that!?), got my license changed to QC, and picked up macarons, which ended up costing me about $400 for the whole time there.
I also paid a few $*#&#*@ bank fees because I always forget that when I write a cheque that I shouldn’t be paying off my credit card as I spend money on it — it’s my habit to make sure I keep my credit card at $0 balance and I can watch out for any fraud.
I should WAIT UNTIL THE CHEQUE CLEARS before paying off my card!!
I never learn my lesson, on the rare 4 times a year I write a cheque to someone. Out $15.
TOP 5 EXPENSES THIS MONTH
NET WORTH = $203,252.26 or an increase of $1336.56 or +0.66%
NOT IN THE NEGATIVE!!!!!!!!
- The stock market gained a bit.. THANK ALL THINGS FINANCIALLY HOLY…
- I think I’mma make it after all with staying above $200,000 in my net worth for 2012 *fist pump*
NET WORTH FROM THE PAST 12 MONTHS
Not much happening.
I’ll spend December looking for a winter hat, and hassling Nelson to give me those Amazon.com or Future Shop gift cards he has in his current giveaway, and the new $20 bills he has lying around and has no idea what to do with.
(Hey Nelson, make sure you mark this post down as 2 entries in that contest! I need to stay above $200,000 so I can’t spend like crazy…)
I have a few dinners coming up, which I am budgeting for, but otherwise, I don’t expect to really be spending much.. but you know. I’m an impulse shopper.
Gotta stay out of those stores and focus on thrifting instead of buying retail.