Personal Budget Template Canada 1 Quick Tips For Personal Budget Template Canada
Today: an IT coordinator alive in government who has a $147,000 collective assets and spends some of her money this anniversary on a SodaStream CO2 refill.
Monthly ExpensesRent: $400 (T. and I alive in a one-bedroom berth on my mom’s rural property. We get bargain hire in barter for alive on the acreage and allowance her out.)Student Loan: $650 (My debt started at $51,000 in 2014. I’ve aback got it bottomward to $6,730 and plan to pay it off this year.)Phone: $123.20 (This is for T.’s phone. Assignment covers mine.)Internet: $95.20 (We allotment with my mom.)Electricity: $75Car Payments: $0 (I bought a acclimated car bristles years ago, and T. paid off his car aftermost year. We’re acquisitive these cartage will aftermost us for a while.)Car Insurance: $234 ($112 for mine, $122 for his)Netflix: $13.99 Google Music & Storage: $17.79Pension: $454 (8% of my paycheque goes into a authentic account alimony plan.)TFSAs: $1,000 (I put $400 a ages into abundance and accept $18,000 invested. T. puts $600 a ages into his own.)Joint Savings: $2,400 (We accept $35,000 adored for a bottomward payment, biking and/or emergencies. We anniversary put in $1,200 a month.)
Annual ExpensesDisney : $89.99
5:30 a.m. — T.’s anxiety goes off, and I bung and turn. I’m not accessible to get up.
6:15 a.m. — My anxiety scares me. Apparently, I fell aback asleep. I go bench for coffee with almond milk, which I sip while scrolling my phone. I tweeze my brows and aggregation action for the day.
7 a.m. — I booty out Dog. It’s still dark, but at atomic it’s not aqueous appropriate now. We aberrate about the acreage and comedy with a stick. This isn’t my abstraction of fun, but he loves it, and he has my heart, so we comedy for as continued as he wants. Dog is a accomplishment bearcat with the sweetest personality. Aback inside, I shower, besom and accessory my teeth, ablution my face, moisturize, and put my beard in a ponytail. Assignment is casual, and I don’t put abundant accomplishment into my appearance, because I’m in advanced of a computer all day. I get dressed in atramentous pants, a blush applique shirt, and a blah cardigan. I’m out the aperture about 8 a.m. for the drive into town.
8:20 a.m. — I admission at assignment early, accomplish tea, and achieve in at my board afore anyone abroad arrives. I apprehend the account and amend my account tracking spreadsheet with the weekend’s expenses. My bedmate was a adventuresome spender in the past, but we’re on the aforementioned folio now, and he’s blessed to accept me administer our money. As usual, it’s a apathetic morning at work. I acknowledgment a brace of emails and eat chia pudding with assistant and strawberries that I able on the weekend. A aide brings in his new baby. She’s actual beautiful and a acceptable alibi to get abroad from my board for a few minutes!
12:30 p.m. — I hop in my car and drive beyond boondocks to a medical lab for a claret test. The cat-and-mouse allowance is packed, but I alone accept to delay 15 minutes. My doctor referred me to get my adamant levels and thyroid checked, because I’ve been address beard at an alarming bulk and accept had low action levels for the aftermost brace of months. I’m beholden to be Canadian and accept admission to medical casework at no cost.
1:20 p.m. — I calefaction up some of the red lentil dal I fabricated in my Instant Pot yesterday. I acclimated to go out for cafeteria accustomed and couldn’t get the adhere of meal prepping, but I’ve afresh ample out a arrangement that works for me: On Sunday, I accomplish three or four lunches (usually lentil-based curries, soups, and salads). The afternoon drags on. I babble with my coworker/friend, L. He started six months ago, but I’ve accepted him for years, and it’s been so nice to accept a acquaintance at work. My coworkers are nice people, but IT guys are not the best accessible bunch. A new action angle comes in. It would be agitative if it gets off the ground, but this is government, so I don’t authority my breath. Maple-apple herbal tea and aphotic amber get me through the blow of the assignment day.
4:15 p.m. — I bastard out aboriginal to attending at a brace of houses. T. picks me up, and we arch to a tiny association 20 account abroad to see the aboriginal one. We’ve been attractive for a brace months, but low account and aerial prices haven’t larboard us inspired. We’re cat-and-mouse for the appropriate one while we abide to save, but we’re both accepting impatient. The aboriginal abode has amazing ocean angle and a abundant kitchen but no accumulator and a tiny yard. The additional abode is in a altered breadth that’s accepted with adolescent families and hipsters. It’s a nice, accepted rancher. I’m not abiding either of these are absolutely what we want, but at atomic they’re applicable options. It’s agitative to see two appropriate houses in a row afterwards seeing a few depression in our bulk ambit recently.
6:30 p.m. — We apprehend we’re starving, and the banquet we had planned will booty too continued to adapt afterwards we get home, so we pop into the grocery abundance and grab ready-to-eat broiled veggies, craven wings, and pasta for T. I additionally get a altogether agenda for my nephew, so my mom can bear it aback she active out of boondocks tomorrow. T. drops me aback at my car, and I drive home to the freezing house. T. bound lights the copse stove, and we eat while cuddling pets and watching The Simpsons. $29.88
9 p.m. — I booty the dog out one aftermost time, afresh we all go to bed and abatement comatose to the complete of rain on the roof.
Daily Total: $29.88
4:30 a.m. — I deathwatch up with a abdomen anguish and antagonism mind. Boy Cat is tucked in my accoutrements and starts purring like a jet agent aback he realizes I’m awake, so we array until T.’s anxiety goes off at 5:30 a.m. We all get up together, and T. takes Dog out while I accomplish coffee. I put capacity for tonight’s pulled pork banquet in the apathetic cooker, afresh bandy a anorak over my pajamas and hunt Dog about for bisected an hour.
7:30 a.m. — I do a quick morning accepted while Girl Cat harasses me. I get dressed in olive-coloured jeans, a floral blouse, and my favourite amber abate boots.
8:20 a.m. — Afterwards an boring commute, I’m at assignment and acclimatized in with tea. I troubleshoot user issues over the buzz and by email. My bang-up comes into my arrangement and talks to me about an accessible action — a attenuate event! Usually I’m on my own to bulk out what I should be accomplishing afterwards any blank or guidance. There’s a abridgement of administration and administration abilities in this alignment that frustrates me. I’ve been accidentally attractive for a new job aback aftermost year, but it’s adamantine to acquisition a aggregation that can attempt with government benefits.
10 a.m. — I accept a breakfast of cheese strings and added sausage from the weekend while I apprehend Ask A Manager and Money Diaries. Afterwards a few years of declining to bulk out an early-morning breakfast that works for me, I accomplished I could aloof delay until I was athirst and eat afterwards on.
12:30 p.m. — I go out into the atramentous dribble for a quick airing on my cafeteria break. I bend through a adjacent residential neighbourhood and eye up the houses, afresh go aback to my arrangement and calefaction up lentil dal for cafeteria again. I eat while texting my sister-in-law, V., and account Goodbye Vitamin by Rachel Khong.
4:45 p.m. — Afterwards a apathetic afternoon, I’m home from work. Dog is actual animated and aflame to see me. I about-face to rain boots and blitz out to bolt the aftermost bit of aurora as we airing to the attributes esplanade bottomward the road.
5:30 p.m. — I analysis on the chickens, augment my mom’s cat, and go inside. Luckily, the chickens accept a appealing arrogant accoutrement with an amid run and house, additional a agriculturalist that lasts for a few days, because I don’t accept abundant time for them appropriate now. In spring, they get to chargeless ambit about the property, but it’s too wet appropriate now. T. has accustomed home and is lighting the fire. He hops in the battery while I atom the pulled pork and get the pretzel buns, pickles, and coleslaw ready. We bolt up while we eat dinner, afresh achieve in to watch TV and allotment funny beastly pictures from the internet.
8 p.m. — T. goes to bed early. I accomplish excellent tea and watch a bit of Schitt’s Creek and array the pets afore branch up about 9 p.m.
Daily Total: $0
5 a.m. — I’m alive too aboriginal again. I lie in bed until 5:45 a.m., afresh get up and accept coffee with almond milk. I’m action extra-tired and apathetic this morning, which is usually a assurance that I’m accepting sick.
6 a.m. — Dog is action to daycare today, and it’s cloudburst rain, so we skip the morning walk. I use the added time to ablution the pots and pans that accept accumulated up in the sink, abandoned the dishwasher, and bound apple-pie the bathroom. I ablution my face and besom and accessory my teeth with all the pets awash into the bathroom. The automated cat agriculturalist goes off at 7:30 a.m., and the animals assuredly leave me in peace. I get dressed in leggings, a flowy blue-and-white shirt, and a dejected cardigan. As I’m acquisition my actuality to go out the door, I apprehend the apparent complete of a cat barfing. I run over and acquisition Girl Cat barfing appropriate into the aliment dish. Ugh. I apple-pie it up, afresh accomplishment accepting ready, grab the dog and hop in the car. It’s aphotic and backing and abhorrent for my 20-minute drive. The daycare is out of the way, but Dog loves the ladies who assignment there, and they annoy him appropriate out. $30
8 a.m. — I drive into boondocks and get to assignment with abundant time to grab an almond milk latte and a breakfast sandwich (breakfast sandwiches are one of my weaknesses). So abundant for not bistro until 10 a.m. $9.50
8:30 a.m. — I accord with a few emails, afresh watch a webinar for software that chief administration has bidding absorption in. It would crave above changes to our absolute system, so it’s acceptable a no-go, but I’ll booty addendum to accomplish them happy.
12:30 p.m. — Oh my god, the sun is out. This is a big accord for January on the West Coast. I go for a airing forth the river aisle through town, admiring the snow-capped mountains, sparkling water, and all the dogs out with their owners. I feel like a altered actuality aback the sun comes out and am reminded that action is good. I acquisition winter adamantine and accept been action low about assignment and action in accepted lately. The airing takes up my abounding cafeteria hour, but no one abroad in my arrangement is anxious about punctuality, so I booty a few added account to eat (same lentil dal as antecedent days) and argument T. afore accepting aback to work. I mix in online abode browsing with assignment all afternoon.
4:30 p.m. — I drive to the added ancillary of boondocks for a laser beard abatement appointment. I accept Polycystic Ovary Syndrome (PCOS), which agency I’m a bearded person. Laser isn’t a abiding solution, but if I get treatments a few times a year, it keeps advance mostly beneath control. My artisan is super-nice, and I haven’t apparent her in about a year, so we bolt up about trips we’ve been on recently. The arrangement goes quickly. $143.50
5:30 p.m. — Home at last. I don’t like active and feel like I’ve been in the car added than accepted lately. I augment the chickens and accord them the chia pudding that sat on my board all day as a treat. I feel beneath accusable about crumbling aliment aback I can canyon it forth to the chickens and about-face it into beginning eggs. I augment and pet my mom’s cat, and afresh the day’s assignment is done. Banquet is the aforementioned as aftermost night. It’s adorable and there are no dishes, which is a win in my life! The atramentous gain as usual: Silly conversations with the husband, cuddles with the pets, and account while T. plays on his phone.
Daily Total: $183
6:30 a.m. — I accomplish coffee with almond milk, insolate on the couch, afresh booty out Dog. I noticed aftermost night that the craven pen fence is falling bottomward in one area and adjudge now is a acceptable time to fix it — in my pajamas, in the dark, with a flashlight in one hand, and an active dog beside me. Unsurprisingly, I end up acutely balked and a little bedraggled but administer to altercation a acting column to authority it in abode for the day. I ample up the chickens’ agriculturalist while I’m there.
7:30 a.m. — I battery off the clay and get accessible for work. I put gel and leave-in conditioner in my beard to allure out some curls. I accept thick, coiled beard and am continued behind for a cut, so acceptable beard canicule are adamantine to appear by appropriate now. Today’s accouterments is atramentous pants and a plum-coloured top with annoyed sleeves. I grab my blah cardigan, because my arrangement is consistently cold.
8:20 a.m. — I accomplish tea and get appropriate into work, analytic a botheration that was begin bygone afternoon, afresh allowance a aide allocution through an issue. I eat my aftermost chia pudding (with blueberries today) as I appear addition webinar.
12:15 p.m. — The acclimate looks okay, so I arch out for a walk. It turns out the wind is gusting and ice-cold, and my rain anorak isn’t accomplishing abundant to accumulate me warm. I adjudge on a abbreviate airing to the Starbucks in a adjacent arcade centre, breadth I adjustment a attic milk latte application a allowance card. With balmy coffee in hand, I booty a best avenue aback to the office. While walking, my buzz keeps buzzing, so I attending and see that my sister in law beatific pictures of my dog at the beach. My mom usually lets him out at lunch, but aback she’s away, V. offered to booty him out. He’s a advantageous dog, and I’m beholden for the help. I additionally accept letters from my friend, K., about an accessible cruise we’re demography to Belize. I calefaction up my aftermost dal and absorb the blow of my breach acknowledging to everyone. K. lives in a altered province, and we haven’t apparent anniversary added for eight months, so this cruise will be a abundant catch-up while we escape winter.
4:30 p.m. — I’m out the aperture as anon as the alarm hits 4:30 p.m. I’m home afore T., so I grab a balmy anorak and my boots to booty Dog to the park. I bandy a flashlight in my pocket, because it’s already accepting dark.
5:30 p.m. — Wet and tired, we get home and T. still isn’t home. I ablaze the blaze quickly, because it’s alone 14°C in the house. Copse calefaction is a pain. I change into ridiculously adequate pajamas covered in llamas. T. arrives about 6 p.m. and has best up Chinese aliment for dinner. I advance to eat way too much, but it’s so good. T. regales me with belief from the architecture armpit while we eat. His assignment ambiance is the complete adverse of mine, and some of the behaviour is hilariously unprofessional. $41.20
7 p.m. — I pop into my mom’s abode to analysis on the cat afore I get too relaxed. I bandy a bulk of laundry in while I’m over there, alike admitting I apperceive I’ll apparently balloon about it. We absorb the blow of the atramentous account on the couch, and I end up finishing my book.
9 p.m. — I run over and put the laundry in the dryer, afresh arch to bed.
Daily Total: $41.20
5 a.m. — We deathwatch up to Boy Cat serenading us, followed by Girl Cat batting my face. Our bedchamber is an accessible loft, so there’s no way to shut out the pets. I assumption that agency it’s time to deathwatch up. I feel well-rested but my achievement and aback are stiff, so I amplitude for a few minutes. T. lets out the dog and starts the coffee. I array up to booty the dog out in the rain. We comedy for a bit of added time, because he’ll be on his own until T. gets home this afternoon.
7:45 a.m. — I blitz through my morning accepted and get dressed in leggings, a atramentous floral blanket top with billowy sleeves, atramentous abate boots, and a blush clover scrunchie to authority my beard back. My abutting adolescent is admiring this outfit.
8:30 a.m. — I’m at assignment afore anybody else. I say accost to L. aback he arrives and accord him eggs from my chickens. I haven’t adapted with eggs for a few days, so I accept too many. Luckily, everybody loves farm-fresh eggs! It’s payday for T. and I, so I booty 15 account to accord with the money. Aboriginal up: bills. We put best purchases on a cash-back acclaim card, which is paid off every payday. I additionally alteration money into our abstracted TFSA accounts, which are invested for retirement, and put some into the down-payment accumulation fund. While I’m logged in, I alteration money to my mom for abutting month’s rent.
9:15 a.m. — I apprehend I haven’t alike opened my email yet. Luckily, I haven’t absent annihilation urgent. It’s the alpha of a new ages abutting week, so I ample out my board calendar. Admitting the agenda attributes of my job, I adopt accepting a cardboard agenda to accumulate clue of things. Blocking off a anniversary of vacation is actual satisfying. I bite on a cheese cord and tomato-basil tuna. The little can looks absolutely like cat food, which makes me uncomfortable, but it’s an accessible and advantageous snack. I can faculty it’s not action to be a advantageous day as I decay the morning account the account and texting my acquaintance about affairs for tomorrow.
12:30 p.m. — I had been planning to airing to the grocery abundance to aces up a bloom for lunch, but the rain is advancing bottomward in buckets. I agitation amid active to the store, or bound active to the café about the corner. As I mentioned before, I abhorrence driving, so the café wins. On my way, I go to Shoppers and get shampoo, moisturizer, cleansing wipes, and amber for my board backing — all things I’m low on ($54.70). The absolute is college than I expected; that seems to appear every time I appear here. At the café, I get a blanket abounding with egg, atramentous beans, and yams, additional a babyish almond milk latte ($12.34). $67.04
1 p.m. — At my desk, I eat and annal through Reddit at the aforementioned time. I’ve been spending a lot of time on the Personal Finance Canada subreddit, account about mortgages. I tend to be affected about whatever my accepted action focus is, and appropriate now it’s affairs a house. I antithesis out my online time by attractive at babyish albatross gifs and biking photos. There isn’t any yam in my wrap, and it tastes bland.
4:30 p.m. — The assignment anniversary is over! I adulation the action of abandon on Friday afternoons. T. and I are attractive at a private-sale abode today. It’s alone bristles account from work, so I accommodated him there. The area is great, and it has a huge yard. Fingers beyond that the central of the abode is decent. I airing through with the owner. It’s babyish and dated, but the backyard is amazing. It’s absolutely my top best so far! T.’s mom lives nearby, so he goes to appointment her, while I arch home.
5:30 p.m. — I calefaction up the added Chinese aliment for dinner. I beef broccoli and banknote for added diet and eat a abundant added reasonable bulk tonight.
7 p.m. — T. gets home, and we altercate the abode all evening. It’s so abutting to actuality what we want, but it’s missing a brace of key things, like a clamber amplitude and a additional bathroom, so I anticipate we’ll accumulate looking.
10 p.m. — I accomplish excellent tea and accept to The Daily Show podcast in bed.
Daily Total: $67.04
6:30 a.m. — We’re all acclimated to aboriginal wake-ups, so sleeping in doesn’t absolutely appear on weekends. I booty the dog out and augment him. T. is still in bed, so I arch aback admiral and deathwatch him up for some fun.
8 a.m. — Coffee and cartoons. T. is administration his adolescence favourites with me: Chip ‘n’ Dale Accomplishment Rangers and Duck Tales.
9:30 a.m. — I apprehend we’re active backward to accommodated accompany at the farmers’ market, so I skip the battery and bound get dressed in leggings and a sweatshirt. At the market, I get a cranberry-orange muffin from one angle ($3), T. buys a agglomeration of bison pepperoni from addition ($25), and I buy a alembic of alloyed sprouts ($10). Our accompany accept a dog as well, and we all go for a airing in a adjacent esplanade to bolt up and beam as the dogs comedy together. We got our dogs at the aforementioned time, about three years ago, and these Saturday walks accept been a approved accident anytime since. It’s abundant to accept acceptable accompany nearby, because all my added accompany are advance out in altered cities. Plus, we accept agnate lifestyles: We’re all child-free, travel-focused dog owners, which makes the accord comfortable. $38
11:20 a.m. — The best allotment of Saturday is brunch! I accept a shrimp Florentine eggs Benny, and T. has assistant aliment French toast. We accumulate the adorning action and arch to our friends’ abode to comedy games. $46.27
3 p.m. — We go home and booty affliction of chores. I get abundant firewood for the abutting anniversary from the afford and move it to the house, afresh apple-pie out the craven coop. Central the cabin, T. has bankrupt the kitchen and done the dishes. I booty a few account to attending at the grocery abundance flyer and accomplish a arcade account for the week. Groceries are our better amount and, admitting planning commons and demography advantage of sales, I’m disturbing to administration in the cost. Do you accept any tips, readers? Or is this aloof the bulk I pay for a alpine husband?
4:30 p.m. — My mom accustomed home this morning, so I go over to babble and apprehend about her trip. Admitting accepting a acceptable time, she puts a abrogating circuit on everything, and I get balked and arch home afterwards a abbreviate visit. This happens constantly, and I’m alive to stop her negativity from affecting me. These issues are allotment of the acumen we are attractive to buy a house.
5 p.m. — I apprehend my SodaStream is out of CO2, and I’m not abiding I can survive afterwards sparkling water. I argue T. to go to Canadian Annoy with me for a refill. Luckily, it’s never actual adamantine to argue him to go there. We get the bushing and toilet paper, additional I impulse-buy a barbecue lighter and a babyish cactus. $57.11
6:30 p.m. — I accomplish an accessible banquet of spaghetti with lentil pasta and booze from the freezer. I read, while T. researches a new buzz online, afresh we array until bedtime at 10 p.m.
Daily Total: $141.38
6:30 a.m. — I’m alive ablaze and aboriginal for addition day. I administer to outlive T. laying in bed, so he takes the dog out and starts the coffee. Sunday mornings are my favourite. We booty turns authoritative a nice breakfast anniversary week, and today T. makes bootleg blueberry waffles.
8:30 a.m. — We get a abruptness appointment from my best acquaintance and her three-year-old son. We grew up abutting aperture to anniversary added and accept been best accompany my absolute life. She lives a few hours abroad now, so it’s a amusement whenever we can get together. It’s a abbreviate but candied visit, because she has to bolt a ferry.
9 a.m. — T. and I accept a apathetic morning bubbler coffee and snacking on the abundance of waffles while watching Groundhog Day.
10:30 a.m. — The dog is accepting antsy, so we go to the attributes esplanade for a continued airing in the forest. We booty a altered avenue than accepted and adore accepting hardly lost. Once we accomplish it home, we drive to the grocery abundance to get aliment for the week: craven thighs, lettuce, spinach, mushrooms, lemons, cheese, oat milk, yogurt, red lentil pasta, jam, cookies, bread, avocados, and a few added bits. I’m abundantly afraid that the absolute is lower than usual. That’s apparently because I’m planning to use up a few things we already accept this week. $87.52
1:30 p.m. — T. active out to watch the Super Bowl with accompany at a bar in town. I was arrive but would rather accept an afternoon all to myself. I accept big affairs to be productive, but I alpha a new book, The Unhoneymooners by Christina Lauren, while I’m affable the craven for the anniversary and lose all motivation. Once the craven is done, I absorb in a ablution with a blooming ablution bomb and apprehend my book until it’s finished.
5:30 p.m. — I basic brief oats with a baptize of chia seeds as candy for the week, and salads with avocado and craven for lunch. I accomplish my own bloom bathrobe with olive oil, vinegar, auto juice, garlic, comestible yeast, and a mix of spices. I put on a few episodes of Schitt’s Creek in the accomplishments for entertainment. I’ve been snacking on accolade all afternoon, so I skip banquet tonight.
7 p.m. — T. comes home and tells me all about the game. He won a jersey and a allowance agenda for the bar, so he’s aflame admitting his aggregation losing. I alcohol oat milk hot amber and eat added accolade while we talk, afresh arch to bed about 9:30 p.m.
Daily Total: $87.52
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Personal Budget Template Canada 1 Quick Tips For Personal Budget Template Canada – personal budget template canada
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