Guess what?! I had a surplus in my budget at the end of December! In previous years I've usually been in the hole by a whole bunch! I'm not exactly sure why or how it happened but I'm certainly not complaining!
Below is my budget for December - not pretty is it?! I am a very messy budgeter but it works for me.
I don't feel motivated to go through it now item by item to figure how I ended up with a substantial surplus but I can make a few guesses.
- I had an extra $150 in my December budget due to paying my property taxes over 10 months instead of 12 - I really appreciate that around Christmas. I end up with an extra $300 in total to put towards Christmas expenses.
- Food expenses were lower mostly due to getting a half price turkey in November which I stored away along with some of the fixings. Usually I wait til the last minute to go food shopping for Christmas so getting some things in November really helped the December budget. As it was I still ended up over spending on food by $30 which was covered by my misc budget line
- As far as decorating goes I didn't buy anything new. My only purchase was a $6 poinsettia for my neighbour and one for myself. I use an artificial tree.
- I think the main reason for decreased spending in December was due to buying gifts while I was in Scotland: beautiful wool scarves were a big hit as were woollen toques and mittens and fingerless gloves, handmade soaps, books, bookmarks, jewellery, and of course - scotch! So in December I got Juno tickets for Kazi and I (Canadian Grammys), a few more books and that was about it. I also helped Kazi by paying off her phone bill and I created a 2019 calendar with some of my photos through a printing company called Vista. I also made a couple more charitable donations than I usually do.
So to all of you smug folks out there who shop and plan for Christmas beginning in January I now understand why!!! and I plan to do this from now on! On January 1st I was able to put $1500 into savings instead of the usual $1000. Only $500 more to go and I will have recouped all the money I spent (from savings accounts) last year on paying off my car and travel.
Oh the sun is shining so I'll soon be heading out to Kilally Meadows :) but one more thing...
I recently tried a frittata recipe and we loved it. Besides being delicious I like that I can hide leftovers in it :) scraps of chicken or turkey, limp vegetables - pretty much anything goes. And it lasts us three meals so is very economical as well as yummy! Just top with shredded cheese and a dash or two of Frank's hot sauce (any dish that Kazi can top with Frank's is a good meal in her humble opinion 😋