Budget overview for the week ending Feb. 28 2015

Yay!!! February is over!!

Overall I'm over budget by almost $300.

As you can see, I have no variable expense for the week ended in Feb. 22. I was on vacation for this week.

Including the $1000 I spend oversees, I'm $1300 over budget. *cry*

Clearly, February didn't work out either.

I need to make more accurate budget, or control my spending for the coming months.

Stay tuned...

Budget overview for the week ending Feb. 22 2015

I was on vacation for 10 days.

I spend around $1000 including hotel, food, and tickets. Not including air ticket. This cost is not included in this week's budget.

Overall, I'm over budget again for February. 

Budget overview for the week ending Feb. 8 2015

I'm crying...
How can I spend $1884 in one week???? How did I achieve it??? How???

Total of my fixed expense is:

Mortgage + Property Tax + Internet + Public Transit + Utilities = 1332.91

This represents 70.21% of my total weekly expense.

This is too high!!

I have to think of a way to cut this fixed expense down...but how???

My variable expense for this week is:

Food + Gas + Other = 561.19

This represents 29.79% of my total expense for this week.

Honestly, I feel $100 per week for food is reasonable, and I can probably use this amount of gas for month.

The only thing I'm surprised is Other.

I bought facial products in the past 2 days. I already promised my self not to buy any facial products until I use up my stockings, but once again, something happened to me at that particular moment and I just bought it!!!!

ARhhh...this online shopping behavior has to stop!!!!

I'm going to face a wall now, to punish myself.


How much have you spent for the week? Is there anything you regret from purchasing?

Host

Budget overview for the week ending Jan. 31 2015

Yay!!! Finished first month of 2015!

What?? First month is finished already???

There's 11/12 months to go now.

Budget review of my first month:

1. I'm spend over my budget!!! Over budget by $730.94. This is something I never really thought about. I never thought I have so many things to buy. I'm definitely short on the category of other.

2. For the last week of January, I had to pay for a visa application which cost around $145. I also purchased a eye brow pencil because I forgot to bring one to work. Even though I have so many at home already. Better planning would have eliminated this expense. This is one lesson I need to learn and remember for the future.

3. Food is the biggest over expense category for this month. I can explain. As I mentioned before, due to some personal factors, I took out my friends to eat a couple of times which is why I spend so much on food this week.

4. No savings this month. How can I save some money???

Any thoughts on how I can save money?

Budget overview for the week ending Jan. 25 2015

I'm going to cry this week. I'm over budget by soooo much. I started tracking my expense last year, but never did any budget. I would just post my expenses into an app, but looking at the actual expense by category and really dig into where my money went is a pain. Especially looking at this chart, it makes me wanna cry.

I know I'm not suppose to not pay my cell bill for 2 month and they charged me over $10 in late payment charges. That's enough for a few coffee at Starbucks. Hopefully, this is never ever going to happen again.

The next major expense this month is food. I know it looks like a lot. For some good reason, I'm taking my friends out for lunch/dinner, which is the reason for the high food bill.

The other surprising expense is Other. I only learned now, I spend so much on unexpected items.

I would highly recommend doing this kind of budget/expense analysis for EVERYBODY because it really helps to stay on top of your spending!

Good night,

Host

Budget overview for the week ending Jan. 18 2015

I'm not feeling good after doing this week's budget.

Here it goes...

There's four categories already over budget *sign*

And just by looking at it, I'm going to get over budget on public transit, internet + cell as well. This will also cut into my savings plan. Just by looking how this month is going, I'm not going to get any saving at all.

Reflection on this week:
1. Spend too much on food. I went out to eat too often + due to some personal matters, I also took friends out for lunch.

Budget overview for the week ending Jan. 10 2015

Worrisome week!

First complete week to record my budget and I'm all ready negative in two categories! For gas, I swear I didn't use this much, but it just so happened my gas tank was empty and I wanted to fill up the whole gas tank. For $50 bucks it's still not filled up but I managed to stop at this mark.

As for the Other category, I must say I'm a little guilty on in this. The story is I was browsing on redflagdeals and I saw a post for Costco T3 Hairdryer for $100. I got so excited, I'm like this is a must have!!! I have read reviews on this hair drying over the years, and it cost over $200 over Sephora. I thought this is a good deal, why not grab it?! So I did, and here goes another $113. 

This is the only the first full week of January, and there's another three weeks to go.

Not sure how I'm going to survive. If I did this kind of budget last year for any month, I know I would go insane. Just because! Extra spending every month on things that's not a necessity but based on spontaneous desire. This is the top one priority for me this year, cut all unnecessary spending. I know it's going to be a pain, I'm already feeling this pain. 

Good thing is I'm under budget on food? I bought some fruits (banana + apple) and eggs for this week and I'm going to eat out on Sunday. Will see how much it will cost tomorrow. 

Update Jan. 10 2015

I went out for brunch today with some friends, and spend $20. Also went to Costco to buy lemon and honey cost another $15. I'm going to make some lemon honey drink, more on this later.

Overall...expensive week. :( 

Budget overview for the week ending Jan. 4 2015

Budget overview for the week ending Jan. 4 2015

Item	Budget	Jan. 4 2015
Mortgage	2000	397.55
Food	300	123.57
Internet + Cell	110.74	0
Insurance	576.79	0
Public Transit	255.45	15.04
Gas	30	0
Cloth	200	56.49
Utilities	100	0
Other	50	28.32
Total	3622.98	620.97

The is the first time ever I'm creating a budget for myself.

My goal is to keep monthly budget under $4000. This is for a single person and $2000 goes to mortgage. 

Since I'm on a weekly payment plan, the mortgage amount might be lower depending on the number of payment dates per month.

For the first half week of 2015, I'm a little bit nervous on the food section, where I'm almost hitting the half mark of my budget. 

On the other hand, I only have a rough idea on utilities. Based on what I remember, my bills come every two month for electricity and water??? Rental for water heater comes monthly and it will be part of my utilities budget. Will find out more later. 

Hopefully, I'll be on budget to save some money towards more mortgage payment!