In Budget Roundups, Money

October 2020: Expenses Budget Roundup

Note: All the graphics you will see below, and charts, were made with TheBudgetingTool.com.

https://www.thebudgetingtool.com

All net proceeds go to charity! (Always and forever.)

THE EXPENSES = $3447.79

My Side Income covered my expenses with $4530.24 to spare

I really spent a lot, but it wasn’t all my fault, really. I reinvested all of the dividends and private lending amounts, so there’s that.

Expenses In Detail:

Home includes condo fees, insurance and utilities

So it turns out that we had some unforeseen expenses in the condo fees for the building, and they socked us with a $1000+ bill for the month. I mean, REALLY. So that just set off a chain of “WTF” spending for me.. plus I found a few really great Wardrobe pieces (but I am trying to calm down now). I MEAN WTF.

Anyway, that’s why it’s a crazy $1400+ a month for the home fees this month.

Groceries

BBQ season is over *sob*… so no more delicious BBQ, and my partner is not buying so many fancy food items any more.

Household

We finished the closet!!!!!! HUZZAHH!!!! My entire blog post in detail is here.

Medical

I bought more sinus pills and vitamin pills because I was told Magnesium might help.

Wardrobe

All of it will be posted in my What I bought Roundup posts. I am VERY excited. This week I am posting the roundup of what I have gotten so far as well, so stay tuned. It usually also includes a video.

Eating Out

Didn’t go out, so…..

Toiletries

I picked up more Ethique bar shampoos and soaps.

Wardrobe

SO MANY GREAT DEALS. OMG. I found the most amazing pieces *jumps up and down* The items are great, and exciting.

Fees

No fees

TOP & BOTTOM EXPENSES

Favourite: $30 – Frame Jeanne Black Distressed Jeans

I had wanted these super distressed jeans for a long time, so I am pretty happy I scored them for so cheap.

Unexpected: $67.01 – Fimo Clay

I didn’t realize how much clay I would need, so when I first bought a few blocks, I used them up within a day. So I went on Etsy to buy even more clay to make more pieces. I have lots of stones, chains and so on, but I need way more clay to create large statement pieces like this one:

Wait until you see the other pieces I made. I have 4 others that I created and I will do a post on them. Here are all of my previous Upcycling projects under this category: Upcycling Projects

Hated: $692.94 – Extra condo fees

WTF. It’s all I can say. It’s retroactive from January, and it annoys me that we didn’t plan for this.

Expensive:

$171.17 – Ancient Greek Sandals Satira Platinum Sandals

It’s the same as the fees – they were the most expensive transaction this month at $692.94, but for the most expensive purchase it would be these amazing sandals:

Scored them for 50% off, and this is just about the price of them USED. But they’re gold, new, and perfect to replace my slowly wearing out gold sandals. I like the gladiator style and the wrap around the ankles.

Joyful: $13 – Zoya Paloma Nailpolish

I LOVE THIS COLOUR. Like jelly raspberries!

Cheapest: $1.54 – Stone

I bought one small stone off eBay for under $2, using my eBay bucks, and paying for the rest.

LOOKING BACK

I said two things in September:

  1. Spending will be low next month
  2. Planning on finishing my closet

HAHAHAHAHAHAHAH!!!!!!!

Neither happened but that’s okay.

OK. So those two goals? I’m doing them for October November instead. Spending will be low, finishing that bookcase in my closet.

GOING FORWARD

ENJOYING LIFE!! YAY!

I plan on making more pieces, upcycling more (it’s truly a creative endeavour I am excited about), and generally trying to stay positive.

Oh, and reading. Lots. and Lots. of. Reading.

NOTES

If you’re interested, I use the following:

  • Rakuten: Use my referral link for $5 in cash to get started – I use them to shop on sites ALL THE TIME.
  • Swagbucks: Use my referral link for 300 Swagbucks to get started; you need 750 to redeem for $10 CAD
  • Rogers World Elite Mastercard – No annual fee, 1.5% cash back, but you can only redeem it yearly and you have to call each year to ask them to redeem the credit against your next year’s statement. I use it for all my purchases as I buy a lot in USD$, and those purchases are 3% cash back (almost like a no forex fee in essence)
  • Tangerine Mastercard – No annual fee, 2% back on certain categories (up to 3). For their savings accounts, use my Orange key { 32726976S1 } for free money ($50 once you deposit $100; and I get $50 too). I give this card to my partner (he has a joint card) and he uses it constantly

Stay tuned for the net worth & investments post!

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Sherry of Save. Spend. Splurge.

Am my own Sugar Daddy. Am a millionaire at 36 after getting out of $60K of student debt in 18 months, a little over a decade earlier, using TheBudgetingTool.com. I have worked 50% of my career (taking 1-2 year breaks), and quadrupled my income within 2 years of graduating, going from $65K to $260K with an average lifetime savings rate of 50%. I have 11 side incomes that are on track in 2020 to make me $50K - $75K. I could retire today if I wanted, but love my work-life balance as a freelancing consultant in STEM (Science, Technology, Engineering, Math). I am all about balance - between time and money, and also enjoying my money. I also post daily on Instagram @saverspender.

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