Posts tagged ‘vacation’

June 5, 2012

May Roundup

by Robyn

My apologies for the new organization of my expenses. As mentioned in my last roundup, I recently changed my expense tracking over to a new app, uSpend. For the record, I’m absolutely in I love with it. I haven’t encountered any calculation issues and it doesn’t freeze like my Lemon app had started to do. Functionality so far as been great. But my expense categories are a little different now than what they used to be.

Automotive: $584.46
Banking: $61.75
Clothing & Jewelry: $36.50
Computers & Office: $0.75
Entertainment: $137.01
Food & Drinks: $147.75
Health & Beauty: $386.38
Household: $565.13
Restaurants: $148.80
Utilities: 165.75
Charity/Donation: $164.00
Investments: $100.00

Month end expenses were $2498.28, over budget by $998.28.

Compared to my spending for April, my spending in May was off the charts. I don’t even have a lot to show for it either. The month started off with a few major dents put into my wallet. The first being my Autopac payment. I missed my payment in April and got slammed with a $70 late fee. So what should have only cost me $354 cost me $430. I’ve got another $354 Autopac payment this month that’s going to drive my expenses up. That being said, instead of a $1500 goal this month, I’ll be moving my budget spending to be under $1854.

My girlfriend of over 20 years got married this month, so I knew those events would put a dent in my spending. The first weekend of May was her bachelorette party. We did pole dancing, went out for dinner at Earl’s and hit up the bar aftewards. That put me back $72.50, money that I otherwise would not have spent. She got married on the 26th. I purchased a new top for the event and gave presentation, so that was another $117.82. So for my girlfriend to marry my ex (that’s not a typo, it’s messed up I know), it cost me $190.32.

my date and I making faces in the reflective elevator door

My Health & Beauty expenses are more than triple what I spent last month. The last time I’d had a hair cut was in September, so it was long overdue, that was $55.13. I also got a massage which, again, was long over due. That was $70. I’ll be recieving a refund on a portion of that this month through my group insurance benefits. In April I’d recieved 2 free electrolysis session because the machine was one the fritz. They’ve since had the machine repaired so I paid for all 3 sessions this month, that cost me $132.83.

Not including the $45 I spent on dinner during my girlfriends bachelorette party, I spent $103.80 on restaurants, which is pretty much on par with the last 3 months.

hunting for wild mushrooms with friends at the cottage

I had a few other expenses drive up my overall spending for the month. Firstly, one of my personal goals for this summer was to get my boating license. I paid the $52.45 to register for the online course and I passed the exam last week with a grade of 88%. I also registered for the Dirty Donkey Mud Run that I’m participating in this summer. Registration cost me $68.00.

Knowing that July has the potential to be an expensive month (I’m going to be on vacation in BC for 8 days) it’s important that I keep my spending this month to a minimum. I expect that my expenses for gasoline will go up this month as I plan on going to my cottage on as many weekends as possible. That being said, I should be able to cut my expenses on food since I’m working more on weeknights so I’m not spending as much on groceries, and on weekends I’ll be sharing food expenses with my family.

I’m never late on bill payments except for my car insurance because it’s not set up for online banking, so I always get late charges. Have you ever had to pay crazy late charges because you simply forgot to pay a bill?

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May 4, 2012

April Roundup – Ok, I overspent a little…

by Robyn

As predicted in my March roundup, I wasn’t able to keep my expenses below $1500 for this month. I did however, cross a few things off my shopping list, some of which cost me nothing. I’ll start by breaking down my expenses for the month.

Rent: $547.00
Food & Dining: $314.44
Bills & Utilities:170.90
Auto & Transport: $157.00
Financial: $100.00
Personal Care: $80.64
Taxes: $65.11
Travel: $61.00
Entertainment: $59.00
Gifts & Donations: $44.86
Health & Fitness: $44.75
Shopping: $24.73

At month end, I spent $1669.44, over budget by $169.44.

My food and dining expenses were really high this month. My restaurant expenses ($100.04 this month) were just below what I spent last month ($110.07). Not a big improvement, but by no means a failure. I only bought dinner at work 5 times this month compared to 8 times last month. Groceries were more than double what I spent last month, but I stocked up on quite a few things, like a $50 purchase at the Dutch Meat Market. This should help me keep my food expenses down for May.

I spent significantly less on personal care this past month, but that’s more of a stroke of luck. I had two electrolysis sessions where the machine started to malfunction. As a result, I had those two 30 minute sessions for free.

My entertainment expenses were about double compare to last month, but I got up to a lot more this month as well. I went to the Norman Rockwell Exhibit at the art gallery, as well as went to 3 concerts. It pays to know people in the music “scene” since I got into most of the concerts for free or at a discounted price. I purchased a few cd’s which bumped up my expenses.

One expense I excluded from my expense log was my flight to Vancouver at the end of June. That set me back $536.86 for a RT flight. I was choked about the cost but at the end of the month I got my income tax back and they did a reassessment for a refund of $505.67. Less the $65.11 I thought I’d owed, I only really have to pay $96.30 for my flight. I also purchased my travel insurance for $61.00.

As for the no spend challenge, this month I was successful. I completed the month with 10 no spend days. I think what made this month easier was that I’ve been concentrating on cooking at home more. In doing so, I’ve planned out my meals further in advance so I can stock up more on my grocery shopping days.

When putting this post together, I encountered an issue with my much-loved Lemon app, which I use to categorize my spending in detail. It’s ability to do basic math pretty much stopped working. I don’t know if entries aren’t linking properly or what, but I found that several month end category totals were wrong, and I had totals for categories with no actually transactions associated with them. After a rather frustrating morning, and testing of about half a dozen free apps, I’ve settled on and painstakingly transferred my expenses over to uSpend. I hoping I don’t encounter any major issues with app. I’ve never purchased an app before and if this app has any major flaws I may be forced to do just that. I’m really wary about purchasing apps because most don’t give you the option to test them out first and I don’t want to spend $5 on something I’ll never use.

Have you ever loved an app for a few months only to have it stop working?

April 20, 2012

So what am I getting up to this summer?

by Robyn

With summer upon us, I’ve been busy making plans. Beyond my love for travel, I’m usually a real homebody. I like tv, internet and air conditioning. I really like my bed and sleeping in until the middle of the afternoon. When I go out to my cottage, I sit in the shade reading a book. I don’t really get up to much. Hopefully, this summer things will change.

Ever since joining the gym, and for a few months taking a twice weekly class, I’ve seen drastic improvements in my physical abilities and overall stamina. I can run for almost 20 minutes staight! I couldn’t do that 6 months ago. I was lucky if I could go 5 minutes without huffing and puffing. This summer I’m going to get off my ass, get out of the house and enjoy the weather.

Starting in July, I’m taking weekends off. Working full-time and serving on the side during the winter months, I’m lucky if I get 2 days off in the span of a month. It’s unheard of if I get two days off in a row. It’s the nature of working two jobs, and I accept that. It’s the sacrafic I make to save as much money as I do and still live comfortably. That being said, my summers are for me enjoy.

Starting on June 30th, I’m flying out to Vancouver for just over a week. I’ll be visiting my friend Scot in New West Minster (just south of Vancouver) for approximately 4 days. During that time I’ll be painting the town red (and white) celebrating Canada Day in style, challenging myself to do the Grouse Grind, and eating copious amounts of sushi. Then I’ll be taking the ferry to Vancouver Island to visit my friend Robin in Victoria. While there I’ll be taking in the sights of a new city I’ve yet to explore, hiking Mt. Finlayson and hanging out with her kick ass dog.

 

On August 18th, I’ll be competing in the Dirty Donkey 5K Mud run. I’ve never done anything competative in my life and attempting to run a marathon just doesn’t appeal to me in the least. This on the otherhand, I know that even if I do suck ass and quit, I’ll still have had a lot of fun. Plus, unlike boring marathons, at the end of the race I get to be hosed down followed by gorging myself on beer and food.

I’ll be capping off my summer by participating in the Terry Fox Run on September 16th. Again, this is something that I’ve never done, and for years I have wanted to do it, but for whatever lame excuse it just never happened. This year, it’s going to happen, no excuses.

As for the rest of the summer and all those weekends I’ll have off. I’m going to be at my cottage. Sometime in the next few months I’m getting my boating license. I plan on doing a lot of boating, a lot of swiming, and a hell of a lot more hiking. Up until last year it had probably been well over 5 years since I’d done a decent hike of anykind through the bushes at my cottage. I loved it and it made me realize how much I miss my cottage. I plan on catching up on a lot of lost time this summer, revisiting the old stomping grounds of my childhood and discovering new ones.