Monday, August 28, 2017

Where's the Money at??


It's been a long time since I did a budget recap. As August rolls to an end it's time to close out this month's budget and look ahead to the fall.

The Good:

  • My upcoming trip to Scotland (leaving Sunday!!) is fully paid for after I pay off my President's Choice Mastercard this week. 
  • September 1st I'll be able to put $1,000 into savings once again - I haven't transferred a full $1,000 to savings since May as I was paying off my trip; booking trains, airport shuttle from London to Toronto, Airbnbs and so on. So it's nice to get back into my savings routine. I also paid $800 off of my Mastercard this month in addition to the $400 that will pay off the card in full over the next couple of days as my pensions get deposited. No consumer debt owing after that.
  • I added nothing more to the Transportation budget line since my previous post! Next month there will be no deductions for car insurance or gas. There will be NO transportation costs for September as they are all paid for as part of my trip.
  • Property taxes went DOWN from $158 to $139. I don't know why but I'm not going to complain!
  • Utilities are at their annual lowest point - $34 for natural gas (heat, dryer, hot water tank); and $43 for electricity (central air, stove etc). It hasn't exactly been a HOT summer so the A/C didn't get used much. Again, not complaining!
  • Used over $100 of my President's Choice points to purchase things needed for my trip (bandaids, lotion, toiletries etc) as well as groceries.
My favourite recent photo of Luna and Lily. Luna has one paw over her eye, in apparent disgust, as Lily sprawls below to lick her belly and nether regions!!
The Bad:
  • Still had to pay car insurance for August but that's it for now! That money will now make its way into savings.
  • The cost of internet went up by $5.00 monthly. I may shop around when I return.
  • I've been buying a lot of odds and ends for my trip: I've ordered a special spray to renew the Gore-Tex waterproofing of my super duper rain coat. Should arrive on Wed., snacks, new water bottle, thrift shop clothing, bug repellent, midge-proof clothing and so on. Necessary expenses.
  • Two of my siblings had landmark birthdays in August so there were gifts and cards to purchase.
  • Reloaded my coffee cards - I have two. 
The Ugly:
  • costs involved in trip to Bracebridge to see sister for her 70th birthday: $200 - my portion of Airbnb and gas. Another $200 put towards eating out and groceries. A wee bit of shopping. That's the only semi-UGLY cost for August and really it wasn't very costly and all planned in advance so it wasn't a surprise expense at all. 
Looking ahead to Fall:
I look forward to getting back into my fall/winter routine of volleyball, carving and genealogy research after September's trip is over. Kilally Meadows is really nice in the fall and I much prefer cool weather hiking to HOT so I hope to get out for a lot of hiking!! In November I will start receiving annual interest payments for several investments. Free money :) Anything extra like that goes right into savings. I'm considering less travel/more redecorating in 2018 but who knows, I may change my mind. It would make sense to travel while still relatively young and do renos and redecoration (hire someone) when I'm too old to hike around the world and spend more time at home. So I'm going back and forth with that idea. 

That's about it for now. Yesterday I cleaned and water-proofed my hiking boots and did a trial packing of my suitcase. All trip clothing has been laundered and rolled - I feel I have improved suitcase organizational skills and am trying to not make it too heavy. I won't be taking my laptop with me, just my iPad, phone and camera. I likely won't post on my blog but will try to post a daily pic to facebook - if you are not a Facebook friend of mine and would like to be send me a friend request. 
Jane Harrison - and the profile pic is a shadow picture of me. 

Okay, must continue to get organized...!

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