What we spent: June 2011

Gosh, how is it already the end of July?! Somehow I never got around to our June roundup. It’s spendy, I warn you, and July’s won’t be looking much better.

** Click here for more info on my monthly spending roundups.**

Bus: Right on track. I’ve only just realised it’s actually two stages to work (ridiculous!) not one. Occasionally T picks me up, or I get a lift home from coworkers going my way. And I try to walk there once a week or so if it’s fine outside. If I could be more organised in the morning, I could walk partway and cut that down – but if I’m going to do that, I figure I may as well walk the whole way. I will probably start driving once T replaces his motorbike – I think it will work out cheaper, and I’ll likely have to leave the office for various appointments from time to time as I settle in further.

Debt: T paid that nasty bill to clear his record. Goodbye, savings. Hopefully sis does set up an AP to repay him. Poor money management = cash disappears almost immediately.

Dining out: Kinda blew the budget there, but I don’t regret it – had some great catchups with friends and tried a few new eateries I’d been dying to visit but just couldn’t with our previously opposite schedules…

Groceries: Is high, and I can’t remember why we went to the supermarket twice in the first week. Argh, so long ago.

Holidays: Booked flights to Wellington next month (I loved our first visit so much) and hotel.

Home expenses: Bought new bedsheets and a food processor. It was half price, plus I had some Westfield vouchers which I used to reduce the cost even more.

Insurance: Car insurance for the year.

Medical: Contact lenses, etc.

T fun: Mostly his iPhone.

Vehicle: Five weeks of petrol. Nearly $2.10 a litre *cries*

I also netted an extra 40 in tutoring, and was reimbursed $75 for a mystery shopping assignment. Free meals and drinks FTW. As for savings, that was high as I was paid out my leave from my old job, bringing me so close to my first $10k travel goal.

I now get paid on the 20th of every month, so I’m not quite sure how I’m going to calculate my savings for the calendar month. Any ideas?

5 thoughts on “What we spent: June 2011

  • Reply RandomThoughts July 22, 2011 at 13:36

    2.10$ per litre!? That’s INSANE! We’re at 1.40$ here and people are complaining…

  • Reply Tracey July 22, 2011 at 16:16

    Ugh, monthly pays! I couldn’t do it. I’d spend everything in the first week and starve for the next 3! How do you normally organise your savings? If you adopt the pay-yourself-first method it should be fairly simple.

    If you just save whatever’s left over each month it should still work out since you would sweep across what’s leftover in your account on the 19th of every month.Just don’t count what’s currently in your bank account when you tally it all up at the calendar-month’s end. Did that make sense? 🙂

    • Reply eemusings July 23, 2011 at 12:40

      I link to my explanatory post in all my roundups, which goes into more detail about how I handle my cashflow/savings: http://eemusings.wordpress.com/2011/07/22/2011/01/09/tracking-expenses-the-lowdown/

      I’ll probably just calculate the difference between my account balance every month, I think that will be the simplest way to do it.

      For me, it’s been a bit of an evolution. I started out being paid weekly and paying rent weekly. Then I got paid fortnightly and worked out the beginnings of my current system (but still essentially budgeting weekly). THEN I started paying rent fortnightly which changed things a little. Now I’m being paid monthly and paying rent fortnightly, but it hasn’t altered how I manage my finances much at all.

  • Reply fabulouslybroke July 24, 2011 at 00:18

    I saw the insurance cost for the year and thought it was for the month. Had a mini heart attack…. 🙂

  • Reply Kellen July 25, 2011 at 02:16

    I just look at my beginning and ending balances to figure out monthly stuff. Sometimes it takes a couple days for all of the previous month’s expenses to hit the bank statement though, so I can either wait a couple of days to check, or just check on the last day of the month and act as though those delayed charges belong to the following month.

    Even with being paid once every two weeks, I find that looking at my cash flow on a semi-weekly basis doesn’t mean much, since most of my bills come in the first two weeks of the month, and typically I can save practically everything from my second paycheck.

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