The month of July 2019: budget in review

Fix expenses:
Rent: $690
Internet + cable: $83.23
Cell: $40.24
Gym membership: $14.38
Total: 827.85

Foods:
Grocery: $224.46
Coffees: $36.97
Drinks and eating out: $237.6‬0
Wine: $13.65

Others:
Lottery ticket: $12
Sun lotion: 35.62
Toilet paper: 8.04
Stamps: $31.04
Envelops: $1.50
Beauty products: $82.98
Steps counter device: 20.68
Magazines: 11.44
Driver licence renewal: $84.69

Clothes: $191.33

Money spent during my 2-week vacations in New Brunswick: $1,216.16

Margin debt interest rates: $210.4‬0

TOTAL expenses: $3,246.41‬

Income:
Non-registered dividend: $339.23
TFSA dividend: $274.89
RRSP dividend: $91.46
Paycheque: $2,655.21
Money made by selling stuff on Kijiji: $35

TOTAL income: $3,395.79‬

Money save this month: $149.38‬

The month of June 2019: budget in review

Fix expenses:
Rent: $680
Internet + cable: $82.93
Cell: $40.24
Gym membership: $14.38
Insurance: $7
Total: $824.55

Food:
Grocery: $367.59
Coffees: $29.42
Eating out: $203.60
Wine: $34.50
Total: $635.11

Hair:
Highlights: $137.97
Hair cut: 63.24
Total: $201.21

Clothes:
Jean coat: $112.68
Purse #1: $5
Purse #2: $73.58
Total: $191.26

Others:
Cleaning products: $35.61
Lottery ticket: $6
Laundry tickets: $30
Personal care products: $243.66
Total: $315.27


Toal living expenses: $2,167.4‬0
Margin debt interest rates: $225.35
TOTAL EXPENSES: $2,392.75‬

Income:
Non-registered dividend: $566.07‬
TFSA dividend: $163.68
RRSP dividend: $49.43
Paycheque: $2 643.24
Items sell on Kijiji: $84
TOTAL INCOME: $3,506.42

MONEY SAVE: $1,113.67‬

The month of May 2019: budget in review

Fix expenses:
Rent: $680
Gym Membership: $14.38
Banking fees: $3.45
Insurance: $7
Cell: $40.24
Internet: $82.93
Total: $828

Food:
Grocery: $434.43
Eating out: $192.65
Coffees: $60.93
Wine: $18.50
Total: $706.51

Personal care:
Shampoo: $4.59
Makeup: $43.62
Beauty cream: $15.51
Total: $63.72 

Clothes: 
Earings: $113.83
Jeans and tops: $253.94
Pants: $44.84
Purse: $127.62 

Total: $540.28

Others:
Event: $10
Laundry tickets: $30
Laundry soap: $9.18
Newspaper: $2.99
Book: $17.21
Cleaning products: $7.48
Plastic container: $2.30

Lotery ticket: $9.20
Total: $88.36

Transportation:
Taxi: $10
Ticket metro: $3.25
Total: $13.25

Interest on margin: $218.58

Total expenses: $2,458.70

Income: 
Paychecks: $2 899.90
Dividend earns in the non-registered portfolio: ‬$326.41
Dividend earns in US portfolio: ‬$15.68 US: $20.82 CAN
Dividend earns in TFSA portfolio: ‬$162.78
Dividend earns in RRSP portfolio: ‬$204.38
Sell of an item on Kijiji: $20
Total income: $3,634.29

Money save: $1,175.59

The month of April 2019: budget in review

Fix expenses:
Rent: $680
Gym Membership: $14.38
Banking fees: $3.45
Insurance: $7
Cell: $40.24
Internet: $78.63
Total: $823.70

Food:
Grocery: $170.58
Eating out: $173.01‬
Coffees: $38.9‬0
Wine: $9.95
Total: $392.44

Personal care:
Makeup: $54.23
Other: $20.67
Hair cut: $63.24
Total: $138.14

Clothes: 
Shoes: $152.91

Others:
Sport accessory: $17.24
Order for cheques: $57.24
2 dish clothes: $1.43
Notebook: $2.88
Total: $78.79

Transportation:
Taxi: $30

Vacations:
Easter vacation expenses: $313.55
Reservation for this summer vacation: $222
Total: $535.55

Interest on margin: $220.41‬

Total expenses: $2 371.94‬

Income: 
Paychecks: $2 643.3‬0
Dividend earns in the non-registered portfolio: $328.79
Dividend earns in US portfolio: $0
Dividend earns in TFSA portfolio: $271.46
Dividend earns in RRSP portfolio: $91.61
Total income: $3 335.16

Money save: $963.22

The month of March 2019: budget in review

I didn't post any "budget in review" since this past February.
The month of March, as well as April so far, had been quite busy, and the expenses had sky rock, which explains why I didn't place any new investments for quite some time now.

Fix expenses:
Rent: $680
Gym Membership: $14.38
Banking fees: $3.45
Insurance: $7
Cell: $40.24
Internet: $48.65
Total: $793.72

Food:
Grocery: $438.81
Wine: $10
Eating out: $251.82
Coffees: $67.75
Total: $768.38

Personal care:
Hair cut: $63
Makeup: $14.59
Shampoo, conditioner, soap, deo: $49.51
Calcium: $25.62
Earrings and hair clips: $26.33
New glasses: $458.01
Total: $637.06

Home expenses:
Sealed plastic container: $7.48
Blanket and sheets: $106.80
2 carpets for entrance: $8.32
Plants: $72.37

Plant pot: $18.97
Plant pot: $7.48
Total: $221.42

Transportation:
Taxi: $40
Metro tickets: $15.75
Total: $55.75

Taxes:
Accounting for the 2018 taxes: $80.43
Payment to the tax man for 2018 (federal and provincial): $1 944.31
Total: $2 024.74

Others:
Museum membership: $72

Gift: $60
Laundry tickets: $50
Total: $182

Interest on margin: $194.19

TOTAL: $4 877.26


Income:
Paychecks: $3 927.93
Trade on Lightspeed: $106
Dividend earns in the non-registered portfolio: $608.63
Dividend earns in US portfolio: $15.68 US - $21.13
Dividend earns in TFSA portfolio: $173.03
Dividend earns in RRSP portfolio: $46.63

TOTAL: $4 883.35

The month of February 2019: budget in review

The month of February had been an heave one in term of expenses, but I will compensate with the month of March.

Fix expenses:

Cable & Internet: $3.20

Gym: $14.38

Banking fees: $3.45

Insurance: $7

Cell: $40.24

Rent: $680

Total: $748.27

Other expenses:

Grocery: $128.76

Birthday gift to 2 relatives: $63.36

Boot soles: $10.34

Towels: $79.26

Clothes: 236.56

Night beauty cream: $14.53

Make up remover: $5.68

Listerine: $2.29

Eat out: $110.06

Travel acessories: $56.15

Plasters: $10.33

Taxi: $30.60

Coffees: $27.33

Make up: $49.44

Beauty care: $30.36

Personal care products: $11.02

Sunglasses: $508

Porte lunette : 39.06 (2)

Facial cleanser: $21.85

Aldo purse: $45.99

Tips (Cuba): $60

Transport to and from airport: $40
Gift contribution to colleague at work: $20

Total: $1 600.97

Total spending for February 2019: $2 329.24

Money save: $888.76

I am publishing now my expenses for February because I don't plan to spend any money on this last week of February.

The month of January 2019: budget in review

Good past Friday for the TSX. My non-registered portfolio closed at $125 241.11, my TFSA portfolio at $59 940.28, and my RRSP portfolio, stocks only, at $39 843.56. I had proceeded with the contribution in kind of my Canadian Imperial Bank Of Commerce (CM) and TFI International Inc. (TFII) shares from my non-registered to my TFSA portfolio. Today was even better, the TSX closed at 15 378.62 points. And today, my non-registered portfolio closed the session at $125 506.45, my TFSA portfolio at $59 851.50, and my RRSP portfolio at $39 995.58

My margin usage is currently at $45 443.10. Last week, we had extreme bad weather in Montreal and on that bad weather day, I had no choice other than to go work at my workplace. It was awful, it was raining and the sidewalks were disgusting, with an unhappy mix of ice and rain, just enough to make me feel completely miserable. I already had not so great waterproof winter boots, I knew that, but I actually received the confirmation of it on that day. I decided to bough a new pair of winter boots, I got Sorel ones, which cost $200 after taxes. And I also had to buy a pair of socks... But the good news is, those Sorel boots are probably going to last me for at least 4, if not 5 years. It's unfortunate because its kind of destroy my super tight budget for this month. I had worked super hard at spending little as possible, allowing myself just a few coffees and for the eating out, just a few small sweet treats.

Here are what had been my fix expenses for January:

Cable & Internet: $98.18

Gym: $14.38

Banking fees: $3.45

Insurance: $7

CraveTV: $11.49

Cell: $40.24

Rent: $680

Total: $854.74

At $98.18, that cable and Internet bill is quite high. And it was actually almost the double of that amount in December! I got f by Videotron, I was promised a $71.79 deal, but my first bill didn't match at all that amount, and same thing for the second bill. I had to call Videotron to fix that mess, I asked them to listen to the telemarketer call that I received, I told them how pissed off I was not to be giving what I was promised. I finally was offered a deal, but the offer I got is only valid until May, and after that, I will cancel my cable. I really got fool by Videotron and I should have never had accepted the telemarketer offers for the cable. I should know better. I didn't respect my own rule: never trust Quebeckers, too many of them are big time liars. Learn from my mistakes. Anyway, don't worry, I won't ever let any Quebeckers mess up with me. I am a super mean wild bitch and I hate those morons next to their bones. I should received a credit on the next cable and Internet bill, so my fix expenses should get lower next month. I also cancel my subscription to CraveTV, but it's on until February 22.

There had been 5 long weeks in January. Two expenses kick in and completely destroyed my really tight budget: I bought a suitcase at $81.92, and as you know now, a pair of winter boots at $202.34. But both items should last for a couple of years. It doesn't take much to imbalance a budget, that's why it's important to spend less on things you have control over.

Other expenses for January:

Suitcase: $81.92

Sorel winter boots: $202.34

Taxi: $15 - on that extreme bad weather day on January 24, I call a taxi to go back home from work

Socks: $10.35

Credit card payment: $20.47

Grocery for January: $204.25

Coffees and eating out for January: $53.73

Sunscreen for Cuba: $14.45

Stuff for Cuba, medication: $34.08

Little gifts for Cuba: $43.98

Laundry tickets: $40 (for 20 loads)

Optometrist: $50 - ($20 return from insurance): $30

Qtip: $1.43

Mouthwash: $15.57 (I got 4, it should last for a little while)

Coffee filter: $2.50

Donation to OSM: $10

Birthday card to a relative: $1

Duplicate keys: $5.98

9V battery for my alarm clock: $3.50

Dishcloths: $2.88

Kitchen tool: $2.87

Shampoo: $5.74

2 blush powders: $35.62

F pads: $14.92 

Nair: $24.81

Gap clothes: $51.73

Total: $929.12

Total money spend in January, 2019: $1 783.86

-$92.50 (exchange of rolling pennies at the bank) :-)

TOTAL: $1 690.89

Money save: $929.11, and that amount doesn't include my dividend income!

Not too bad, let see now if you can do better!

I wish I could say that I am going to save more money in February, but sometime in February, I already have a trip plan to Cuba.