September 2009: Budget End

I won’t post my budget for each month any longer.

I’ll just post at the end with what I spent.

While I still keep track of all my expenses & budget, I find that once I put the money aside for my fixed expenses, the rest of the cash is up in the air to be spent.

I just use my discretion to decide whether or not to buy something now, later or not at all.

Some months, I budget & end up deciding it’s not useful so I spend the money elsewhere.

My savings, emergency fund and whatever else, has now just become a huge pot of money to be drawn on for various (logical-ish) reasons.

I’m calling it “hands off budgeting“. Seems to work for me.

SEPTEMBER 2009

INCOME

Total = $1743

EXPENSES

  • $371 – Rent
  • $260 – Groceries (BF has now made a “Treats” section in the Grocery budget)
  • $0 – Utilties (They’re paid bi-monthly)
  • $50.79 – Cellphone/Only telephone
  • $0 – Internet (I take care of the telephone, BF pays for the internet)
  • $12.75 – Transportation (Metro tickets)
  • $65.61 – Eating Out (Candy treats & drinks and a lunch I paid for us)
  • $39.48 – International Electronic Adapters
  • $17.77 – Headbands (Some purchases here)
  • $487.84 – Brown leather boots & Birkenstocks (Purchases here)
  • $21.95 – Language books (Some purchases here)
  • $69.39 – Jewelery from Etsy, the devil (Some purchases here)
  • $263 – Car Registration for ONE YEAR (they’re a bunch of car reg’ pirates here!!!)
  • $100.26 – Hosting & WordPress Switch (Part 1 & Part 2 here)

Totals:

  • Without pirate car registration = $1496.84 — squeaked right under budget
  • With pirate car registration = $1759.84 — just a bit over my total income

Other Upcoming Money Events

Going back to Ontario = Will cost money

Am going to meet up with my network to find contracts in Ontario and just to chat.

Not going to Asia = Will save money

Been cancelled. Read my gloomy piggy news here.

We had a budget of $5000. I guess I’ll just sit on my savings now.

NET WORTH = – Decreased $3018.19 (due to taxes)

  • $45 = Cash
  • $12.77 = Chequing
  • $10,050.35 = Savings
  • $30,722.84 = Retirement (Individual Stocks and Indexes)
  • $24,000 = Emergency Fund
  • $4923.15 = Business (Taxes ate my money)
  • $2000 = Car

TOTAL = $71,754.11

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About the Author

Just a girl trying to find a balance between being a Shopaholic and a Saver. I cleared $60,000 in 18 months earning $65,000 gross/year. Now I am self-employed, and you can read more about my story here, or visit my other blog: The Everyday Minimalist.