November 2017 Expenses and Earnings

It’s time for another summary of my monthly earnings and expenses! My net earnings in November 2017 were $5235.34. I love three-payday months! I also did a pretty good amount of overtime so each paycheck was higher than it would normally have been.

My total expenses were $1711.33. This is higher than usual because I renewed my passport and signed up with Bluehost in order to create this blog. The breakdown of my expenses is:

  • Rent: $752.34
  • Gym Membership: $11.30
  • Laundry card top-up: $30
  • Service charges: $4.95
  • Cell Phone: $22.60
  • Internet: $102.25
  • iTunes: $1.29
  • Netflix: $8.99
  • Food & Misc.: $446.93
  • Passport Renewal: $160
  • Passport Photo $22.59
  • Bluehost: $148.09

I had my usual problems this month when it comes to spending: too many trips to the vending machine at work, and too many chocolate bars from Dollarama! Otherwise I think it was a pretty good month. If I wanted to, I could save even more money by hand-washing my laundry (which I did for years) and ditching my Netflix membership. But I’ve reached the point where I have enough money saved and enough dividends coming in that I can afford to splurge a bit. And as far as a frugal person is concerned, $8.99 on Netflix and $2.25 per load of laundry is a splurge!

October 2017 Expenses and Earnings

I hope to make one of these posts every month: a record of my earnings from my job at the post office, and a breakdown of all my spending over the previous month.  I try to use my credit card as often as possible because I get Air Miles that I can redeem for free groceries. So it’s hard to track every single penny  but I will try to single out the major monthly expenses.

My net earnings in October 2017 were $3242.37. That includes ten hours of overtime.

My total expenses were  $1349.48. The breakdown of my expenses is:

  • Rent: $752.34
  • Gym Membership: $11.30
  • Laundry card top-up: $20
  • Service charges: $4.95
  • Cell Phone: $22.60
  • Internet: $102.25
  • iTunes: $3.87
  • Netflix: $8.99
  • Food & Misc.: $423.19

Financially speaking, food has always been my downfall. I’m an emotional eater and I love chocolate! I’m going to try to cut back on junk food for the sake of my physical health as well as my financial health. I don’t want illness to ruin early retirement! One thing I can definitely do to reduce my spending in this category is to eat out less. I go to Subway a couple of times a week, Starbucks once, and I often go to a pizza place for lunch on workdays.  I can definitely cut back on that!

My cell phone bill is about as low as it can get. I have a pay-as-you go plan, and I only use my phone for calling and texting. I can wait until I get home and turn on my laptop to check the Internet. Speaking of the Internet, I know my plan is overpriced. I will research cheaper plans when I have the time. Suggestions from fellow Canadians are welcome!

Netflix…well, I don’t want to give that up! I don’t think $9 a month is a big deal, and it’s cheaper than cable.

I hand-washed my clothes for years but I finally gave that up a few months ago. I just couldn’t get my clothes as clean as the washing machine can. I decided the laundry card was a good investment if it’ll extend the life span of my clothes. Of course, good frugalist that I am, most of my t-shirts come from thrift shops and only cost about $5 each. I will still let my clothes air dry in my apartment rather than using the dryer.