Well hello there. Posts are getting scarce. Is one post a month enough to bring the boys to the yard? Unlikely. I’ll need to work on that. Let’s get right to business, shall we?
Month 14 Highlights
Saved: $485 (This will slowly climb as I pay off our final $1500 in debt over the next month).
Extra Income from Side Hustles: $220. Facebook Sales + user testing income.
Debt Repayment: Mortgage Principal: $572. LOC: $1500
|Category||Nov||Relevant Notes of Noteyness|
|Mortgage Principal, Interest, Property Tax||1310|
|Interest & Banking Fees||25|
|Home Phone, ISP and 2 Mobile Phones||366||For some reason, my mobile provider charges me twice in a month, then nothing the next on occasion. I also switched to Public Mobile to save $$. Next month should be less. Hurray!|
|Water & Sewer||0|
|Home Insurance (pre-paid until June 2020)||0|
|Groceries, Toiletries, Household Supplies||1098||Grrrr.|
|Auto Repair, Maintenance, Renewals, License||401||So we bought winter tires on Kijiji for our 2006 C-RV. However the rims did not fit, so we had to buy new ones. Bonus – we sold the rims to make some $ back! Also in here is a new wiper arm and blade.|
|Medical, Eyecare, Prescriptions,Vitamins||150|
|School Supplies||34||School Photos!|
|Home Improvement, Services, Supplies, Maintenance||321||This year we took time to have both our wood stove and our propane fireplace inspected and cleaned by professionals.|
|Health & Fitness, Sports||74||Hockey gear for the kiddo that wasn’t included in the program.|
|Haircuts||58||Getting to be less now that I’m not colouring my hair. 🙂|
|Gifts & Holiday Expenses||480||Our anniversary dinner, and Christmas gifts.|
|Clothing||112||More spontaneous clothing purchases not on budget :/|
|Charitable Donations||153||We participated in a few fundraisers this month.|
|Annual Memberships & Subscriptions||90||So. We did the week trial of Disney +. I thought it was “ok”. Hubs and M thought it was REALLY AWESOME! I was overruled. That said, we’ve been watching it quite often, so there’s that. We’ll see how the year goes. Not a very FI thing to do, I realize. But here we are. I have spoken.|
|Heat (Wood & Propane)||0|
|Furniture & Decor||0|
|UNKNOWN EXPENSE||129||Less than last month, but still annoying.|
|Dining Out – Family||172||Higher than necessary!|
|Entertainment – Family||0|
|Alcohol||38||I’ve decided that alcohol sold in the grocery store is no longer a good thing.|
Well, that’s it for now. Not a bad month in terms of expenses, but always room for improvement (I’m supposed to be tackling the grocery/toiletry/household supply budget but I’m doing a terrible job). I don’t expect December to be great, however I hope to take some time during the holidays to set us up for success in January. Stay tuned for that.
Thanks for stopping by!!
2 Replies to “Month 14 on the Journey to FIRE – November 2019”
I know it’s a pretty small cost, but hey, power of incremental change right! Have you looked to see if there are any no-fee bank accounts that would work for the family? That small cost is $4100 in 10 years as MMM would say.
MM! So nice to hear from you! You’re absolutely right. I’ve been paying CIBC $10.50 a month for FAR TOO LONG. I have a checking account with Tangerine, but I’m just taking WAY TOO LONG to transfer everything over. I really need to kick myself in the pants over this. I think I only have about 7 forms left to fill out to switch all of my automatic debits…I will try to get it done over the Christmas break!