When I started writing this post, I thought I had massively overspent in August but looking at the numbers, my budgeted expenses weren’t too far off. I did overspend a lot on extra things but again, it wasn’t too bad considering some of it were bills that I didn’t know were due.
Here’s how I went for August.
- Train ticket for surgeon appointment number 1 – $6.00
Train ticket was exactly $6.00
- Train ticket for surgeon appointment number 2 – $6.00
Again, exactly $6.00
- Rates Payment – $1432.00
Paid off the rates in total which was $1432.00
- Body Corporate bill – $350.00 (I’m not sure if this is actually coming but I haven’t paid one in a while so I’m anticipating it’s arrival)
It arrived and it is due in October. I still paid it off this month because there is just no point waiting until next month – $345.75
- Father’s Day gift – $50.00
We got my dad a really nice bottle of whiskey which was $100 so my portion was $50.00
- Nephew’s birthday present – $50.00
I bought him another book which was $18.00
- Beautiful You course repayment – $396.00
Payment was exactly $396.00
- Dinner out as a last hurrah – $150.00
Dinner ended up being $220.00 between 4 of us. I ended up paying the whole bill with the other couple sending their half to my fiance. I let him keep it seeing as normally our friends send me their share when my fiance pays.
This is my list of additional purchases.
- Black loafers/shoes for work – up to $150
- A new water bottle that tallies how many bottles have been drunk, is BPA free and made of glass – $50
- Single serve bowls that can be microwaved x 4 – up to $50
- iPod – $219 (new item)
Again, I didn’t purchase anything off my additional purchases list but I did purchase a whole bunch of other stuff. I was very bored whilst at home and my recovery was so much better than I anticipated so buying things was a bit of a distraction. Here is how I overspent this month.
- Credit Card Annual Fee – $100.00
I didn’t even know I had an annual fee on my card so I’ve recorded it for next year
- ASOS – $124.00
I bought a few dresses on ASOS because I want to start wearing them more. They’re pretty plain but they do the job. I am returning one so I’ll get that money back shortly
- Diffusers – $29.90
My fiance and I decided that we wanted a couple more diffusers for our house. We have one in the laundry and one in the bathroom upstairs so we decided to add one in the lounge room and one in the kitchen
- Zoo Trip – $72.00
I wanted to go to the Zoo during my recovery period as I haven’t been in a couple of years so we went a couple of weeks ago
- Vistaprint – $32.93
My fiance and I realised that our wedding is now 12 months away and we hadn’t yet ordered any save the date cards so we ordered some to send out
- Accor Discount Accommodation – $149.00
I was given a discount for some accommodation to use at an Accor hotel so I took the opportunity and purchased it. This is good as we are planning to go to QLD in November so we’ll be able to use these two nights whilst we are there
- Haircut – $25.00
I was so overdue for a haircut. It’s been literally 2 years since my last haircut and it was so manky with it’s split ends
- St Vinnies – $27.00
I went op shopping as I was really bored at home and bought 3 tops, 2 books and 2 dvds. Overall I was really happy with my haul
- RACV Roadside Assist fee – $99.75
My bill came this month for my roadside assist. I haven’t used it in 8 years but I’m sure the second I don’t have it I will need it
- Catch up lunch with friends – $70.00
I paid for myself and for my fiance. For a meal that was just pancakes and a milkshake on my end, it was a really expensive lunch. Note to self – when splitting bills, order the same amount of food as everyone else!
- iHerb order – $52.55
I’ve decided I want to make my own hair care so I needed to buy a bunch of oils and ingredients in order to do it. I’ll be doing a post soon on how it all goes
I was able to claim back a fair bit of money from my surgery. I got back about $1300 from Medicare and another $400 from my private health insurance. I’m still waiting for my claim for the anesthetist to be processed so I can get some money back on that and then also claim it on my health insurance. With this money I actually made a voluntary repayment on my HECS debt but as would have it with government websites, I’m still waiting to see if it actually worked. I also did my tax refund which I was notified that I would be getting back shortly so that’s good news.
You’ll notice that I don’t include many items that other people would. I don’t include my phone bill, netflix payments, monthly donations, groceries or petrol expenses. This is because the bills and donations don’t vary from month to month and the groceries and petrol are things I don’t really have a budget for – if I need them I get them so I figured it’d be difficult to stick to a budgeted cost when I don’t actually have a budget for those things. I’m also going to stop including the Beautiful You course repayments because they will remain the same for the next 10 months.
Again, I know it looks like a lot of money and it is but as I’ve said previously, I still put away a portion of my pay to save for future bills and so if I can pay the whole lot out of my monthly pay without transferring the savings over, it means I’m actually saving a lot more than I planned. So I’m actually really quite happy with the amount I’ve spent.
Budget Spend – $2440.00
Actual Spend – $2526.30
Extra Spend – $729.58