Update: July 2013 Budget & Goals

Hello, friends. Sorry about the disappearing act there… As you can probably imagine, there’s a lot of stuff happening in my life right now. For starters, it’s been a week since my car accident. I would love to say that I’m feeling better but… well, let’s just say you should avoid me when my painkillers are wearing off!

I’ve spent the majority of the last week holed up on my couch. Any attempts I make at going out (even just to an appointment) only seem to further agitate whatever is happening in my lower back right now, so the couch has become my best friend. (We nap together daily.)

I’ll probably chat a little more about the accident in the future but, for now, I just wanted to say thank you for all of your comments, tweets, emails and texts. And if you haven’t stopped following me on Twitter, thank you for putting up with my constant string of complaints. (I’ll try to stop.)

Now, let’s talk about money, shall we?

This month, I finally put some money into savings again. In fact, 9% of this budget is cash I put into my Emergency Fund. Another 9% was put into my Weddings account, which should be the last of what I’ll need before the two big days next month (so exciting!).

My trip to Victoria mid-month was a little more expensive than I expected it to be. And – my bad – I think I blew through $40 or $60 in cash without tracking it (hence the estimate). But then I came just sliiightly under budget for my trip to San Francisco, which is awesome.

As for my expenses… I need to ask you all for a favour. The next time I say I’m going to do something like “avoid Starbucks like the plague” can you tell me that I’m lying to myself? Please, just tell me! Clearly, I didn’t spend that entire Restaurant budget on takeout coffee, but I’m ashamed to admit how much of it is…

What kills me though is how much my Groceries + Restaurant budgets add up to. To be fair, I did start buying a lot of gluten-free products. But then I also indulged. Oh gosh, have I indulged – especially since my accident. I can barely stand for more than a few minutes, right now. Cooking just doesn’t feel like an option.

Where I went under budget is both obvious and confusing. The obvious one is Gas; I haven’t driven much, since the accident. But I’m genuinely confused about why my Internet bill was so low. Not that I’m complaining! I just don’t know why it wasn’t the usual $56-something.

Goals for this month:

  • Brown bag all lunches – FAIL! Although, I actually did a pretty good job of this before my trip to SF.
  • No takeout coffee – MAJOR FAIL! So major I’m now considering investing in an espresso machine.
  • Read 2 books – PASS! I read Adulting and MoneySense’s Beginner’s Guide to Personal Finance.
  • Track my spending – PASS! Oh, other than that $40-60 I lost track of in Victoria…
  • Workout at least 10x – PASS! I managed to squeeze in 5 workouts before my trip to SF, and I consider everyday of that trip a workout (easily walked 5-10K up and down those hills everyday).

How did your month finish up?