I finalized all the tracking for my January spending, and I'm pleased to report that I am right on target. I way overspent in a couple of categories, but made up for it with spending shortfalls in other categories.
Here's a brief:
Rent $0 (paid first and last in December)
Food/House (budgeted $200) $150.68
Apt./Car insurance $96 (on target)
Car gas/oil (budgeted $70) $152.31 - way over, due to an oil change and two trips to the big city (an extra 600 kms)
Phone (budgeted $90) $121.05 - way over, because I wasn't watching my daytime minutes over the xmas holidays
RESP (budgeted $40) $39.20 (on target)
Life insurance (budgeted $49) $48.73 (on target)
Misc. spending (budgeted $100) $310.10 (sickeningly over budget, but the Kiva loan is in there)
Line of credit (budgeted $500) $500
Credit card (budgeted $100) $48.57 - under budget, but I used $47 to top up my RRSP account
Emergency Fund TFSA (budgeted $800 from rent not spent) $1000 - proudly over budget!
Total spent $2914.29 ($918.72 in expenses and $1995.57 in savings/debt reduction)
February goal: $1440 expenses, $1050 savings/debt reduction