What a month!
This month I spent an all-time one month high of $3,460.64 (blame Cyber Monday and some frivolity), but also recorded a record 84.29% savings rate with a net worth gain of $19,135.05. Talk about huge! This will decrease the ret of the way, but I did surpass $200K in net worth far ahead of schedule!
Car Maintenance ($60.88) – Winter tire swap. What a rip off!
Clothing ($1123.19) – WHAT?! Over $1000 in clothes? WHAT DID YOU DO?! Easy: I bought a new top of the line winter coat on Cyber Monday. Research says it will last for many years while providing warmth and comfort.
Coffee ($2.61) – Free coffee at work makes this very small. I will probably delete this line item in the New Year and roll it into my food numbers.
Dating ($27.86) – Coffee, movie and popcorn (Widows was great)
Education ($515.00) – A french course, included in this month’s spending tracker since my now old job will not reimburse for it.
Entertainment ($92.84) – Drinks with French classmates, a celebratory bar visit with an old friend, and expensive but amazing croissants to entertain my family with.
Fitness ($37.11) – Went 3 times. Pretty expensive way to stay fit.
Food ($186.62) – My girlfriend’s mother gave us a lot of food and I did well at bringing my lunches to work.
Gas ($68.62) – A tank of gas visiting my girlfriend’s mother in Waterloo and friends north of the city.
Gifts ($4.06) – A card for my girlfriend to celebrate four years together!
Grooming ($24.00) – A downtown haircut.
Medical ($101.14) – Two massages covered at 90% through workplace benefits and 2 pairs of new glasses. Wanted to exhaust my benefits before I quit.
Networking ($13.44) – Coffee and a lunch with a professional contact.
Phone ($0.00) – WOO! No cell phone bill until December thanks to account credits!
Supplies ($2.26) – A new shower curtain.
Transit ($90.00) – It’s winter time almost. No more cycling these days.
Investment Income (+$212.89)
Inclusive of savings accounts, realized gains and dividend income, I netted $212.89 passively, which brings my total for the year to $2980.72.
Net Worth Update (+$19,135.05)
Stocks still retreated hard this month, but my signing bonus came through, which… was huge.
My net worth increased to $209,378.10, which is the first time it’s crossed the $200K mark!
Other Financial Updates
- October 2018 (+$2051.62)
- September 2018 ($704.09)
- August 2018 (+$13,550.51)
- July 2018 (+$5,541.97)
- June 2018 (+$5,167.43)
- May 2018 (+$3,997.18)
- April 2018 (+$2,884.10)