As planned I have been tracking our expenses all month.
Looks like we spend a lot! Not too frugal lol.
Our household is 2 adults and 2 cats.
All numbers are in Canadian dollars.
$4637 total, but $410 will be reimbursed.
Some significant spendings were one time things like Emergency evacuation pack we had to arrange in case of wildfires ($125) and gardening tools+stuff + trees from nursery ($235). Also I purchased a Community Supported Agriculture contract for $400 to be getting fresh organic produce from a nearby farm for the whole season, which is a good value for our area, until I have my own garden better established.
Mortgage payments were $1351. Our house was cheap ($135K), but the mortgage term is for 10 years, that's why this looks like much.
Outstanding mortgage debt now is $87,381.
Income from all sources $8,500 after tax.
Tax returns and other reimbursements $11,000.
Total cashflow $19,500
Invested + whole life insurance premiums $19,800
For the easiness I count premiums paid on whole life insurance for us both as investments, but I don't see why not. Discussion is welcome!
Total investments now about $50K + $6K cash in bank now. Since I read ERE book 2 months ago there was a big boost in savings rate
Last night I had an extremely unbearable shift at work and now I'm looking forward to my week off next week. However I should probably pick up overtime to have this nightmare to be over sooner.