I am quite a bit late adding up our expenses in May, but we were busy with side gigs and our full time jobs. Since we took about 10 days off, May was a bit more expensive than usual…yeah…a bit. Ouch!
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That’s what you get from a foodie vacation without careful planning…oh and an extra mortgage payment…and the added business insurance we got. We will be hermits the rest of the summer, focusing on side gigs, free-ish entertainment and ways to improve ourselves and our bank accounts.
More on the categories and expenses:
- Mortgage and Condo Fees – The mortgage payment also includes property taxes which are taken out bi-weekly rather than every few months. The condo fees include most of our utilities except for electricity. We made an extra mortgage payment.
- Cell phones – two lines with Wind. We added unlimited US/Canada cell/data roaming for our vacation, which was only an extra ~$30 and helped us find our way a few places where our GPS had only old maps.
- Internet – TekSavvy
- Cable TV – just Netflix
- Electricity – self-explanatory. The drop continues. June should be better since we don’t turn on the lights now until 8:30 – 9:00 p.m.
- Insurance – this includes home and car insurance for 2 drivers. We had to get business insurance for my wife’s side business as it is starting to pick up steam.
- Car Payment – Accord Coupe
- Banking fees – basic account.
- Groceries – we stocked up on some cheap groceries from the US on our way back from vacation. In the long run that should save us around 20%-30% on non-perishables.
- Restaurants – very food-centric vacation as you can see. Had some amazing food at restaurants featured on numerous TV shows across the US and Canada east coast.
- Fuel – we drove around 3,500 km in total just on our vacation, but with the cheap US gas, costs weren’t too bad.
- Spending Money – this is money we spend on little things like books (mostly Kindle), games, the odd coffee and such. We bought my mom a rather expensive gift the US for her upcoming 50th birthday. Hope she doesn’t hate us for spending so much money. We also rented a couple of movies and I got a new book that I already finished.
- Clothing – bought some new dress shirts and a sweater from the US at around half of what they cost in Canada.
- Household Goods – bought an insect repellent light for the balcony since we started spending more time outside, and a few battery packs for various devices.
- Alcohol – bought a new bottle of scotch and around 20 different beers from the US that you cannot find in Canada. Around $100 was for gifts. I also included a couple of bar tabs from our trip.
- Personal Care – wife was sick and bought some medicine and we stocked up on some cheap personal care items from the US.
- Parking – hotel parking during our vacation.
- Car Expenses – luckily no expenses.
Unfortunately we didn’t track our spending during our vacation and we got carried away. It also didn’t help that we wanted to visit a few great restaurants we have read so much about. Do we regret it? Not the restaurants we planned for, but we definitely could have done better with the unplanned ones. Some of them weren’t worth the money at all.