The debate around whether or not you really need to budget waxes and wanes in the personal finance community. Some claim not to need a budget at all, some use a "bucket" system, others track their spending only, and some go all in. For the past two years I've been blogging, I've been "all in" … Continue reading So, do you really need a budget?
Well, May was not my best month for both discretionary and non-discretionary spending, unfortunately. On the non-discretionary side, my Personal, Health & Wellness category got completely blown out because I had some medical expenses thanks to a knee that just wouldn't stop hurting. Two doctor's visits (one initial plus the follow up, and mine doesn't … Continue reading Reducing the discretionary spend – May 2021 results
One month down, eleven to go! (Of the Savings Rate Challenge, that is.) July went quite well, all things considered. My budget is - in many ways - still a work in progress, as there are a number of items that can't be predicted yet. There are quite a few projected figures that are just … Continue reading Savings rate challenge results – July 2019
Progressing towards my goals On my Goals page, I've listed my short-, medium- and long-term goals. My primary short term goal is to have a total of six months pay in savings, in case of emergency or job loss. Yes, even in the public service, job loss is a possibility - a change of party … Continue reading The savings are growing…