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November Monthly Net Worth and Financial Progress Update



Debt Reduction

July 2019:

October 2019 (-$1126.51 since July): 

October Debt Reduction

Today (-$1155.60 since October)


Total Debt: $32 924.63

Pretty good! I paid off more debt last month than I did all Summer.


Savings account: $1501

Savings plummeted partially due to the passing of Billy in addition to a yearly charitable contribution that I make (which I will get a tax receipt for). I want to top it up to $2000 again on this Friday’s pay.

Investment account: $514.65

This is a fun account I throw money in when I have some extra kicking around. I intend to use it for any taxes I may owe from freelance work, or towards vacation spending money. I didn’t add any money to it this month, but I’ve been getting 5-8% returns (currently 7%) so I might add some more in December if I miraculously have any extra money around the holidays (doubtful).


Total savings: 16458.93

This is actually a decline from last month. The withdrawals from my savings hit pretty big here.

Net worth (based on Total Savings – Total Debt):

-$16465.7 (an increase of $1107.92)

Overall, I think I am on the right track. If my savings hadn’t taken such a hit, this would have been a great month.

Thoughts on November

November was an uncommonly tough month for me personally. My family moved far away, my cat died, and I was really sick for a good chunk of the month. In the past, I would have turned to retail therapy more than once, but I managed to avoid that entirely. I relied on good friends. Two of my friends met me at the vet and one drove my car home for me. They spent some time with me that night. Mike took care of me when I was sick, and also took last Tuesday off work with me to dig a grave and find a tree to remember Billy by. Good friends are the best thing in my life right now.

Despite feeling very run down last weekend, some friends convinced me to head out for an 80s dance party at a dive-y bar on Saturday the 30th. For the first time ever for a big “night out”, I spent less than $40. That includes an Uber home. I bought one round, let the rounds come back to me, and didn’t drink much. It was great! A lesson in moderation. I left the house with $60 cash and came home with $25. I had some Uber credits which helped.


Things might be finally turning around. Christmas is my favorite time of year (I’ll need to show you my tree soon!). I signed up at the gym again and want to get the morning meditation and workout routine established this week. I’ll let you know how it goes.

Financially, I want to hold the course for December. It’s hard not to go off the rails this month. My two goals are:

  1. Don’t add debt
  2. Don’t dip further into savings

I would still like to make an extra contribution to my line of credit but I’m giving myself some grace for the holiday month.

I hope your Tuesday is nice. I’m looking out my office window over Lake Ontario watching ferries going back and forth under a beautiful pink sky. It’s going to be a good day.

A week of (mostly) not spending money


As I mentioned last week, I had some financial slip ups towards the end of October. So, I took corrective action in the form of financial purgatory. What did I do?

Lived out of my pantry

I have a veeeeeery well-stocked fridge and pantry for a childless, unmarried millennial. I love cooking and entertaining, and I always have stocks of staples. Dried beans, rice, pasta. Canned veggies, soups, seafood. Frozen meat, veg, seafood. I tend to buy a few of something good when it’s on sale, and most of my grocery shopping (as you know) is pretty frivolous. I’ve certainly cut way back on my bad habit of stopping for fancy impulse groceries on the way home from work, but haven’t entirely eliminated it.

I was in a good place when I realized I had spent all my spending money last week. I’m all set dog and cat food, as well as their supplies. My bills are all paid. I don’t drive much and I have gas in my car. My transit card was loaded. Phew!

I ended up making a huge batch of soup from freezer stuff. There was a turkey carcass in my chest freezer from (Canadian) Thanksgiving and I always save veggie trimmings and scraps for making stock. I made a very hearty chicken soup that I ate for many days, which was probably a good idea with the raging bronchitis.

I had flour and yeast, so I made a double batch of pizza dough. One ball of dough is in my freezer, and with the other one, I made a delicious veggie skillet pizza.

I was proud of this meal.  There was frozen broccoli, some tomatoes and peppers that were getting a bit soft, and cheese I had laying around in the fridge. Win! Skillet pizza is super easy and cheap. I served this with a simple arugula salad (the last of my fresh veg, alas).

That’s pretty much all I ate last week. I don’t mind leftovers one bit.

Hijacked my grandparents’ pantry

I helped my grandparents pack up this weekend, and I took three full car loads of things back to my house. The overwhelming majority of the stuff was food! They go to Costco and stock up like it’s Armageddon, and I ended up with flats of barbecue sauce, jam, and juice. I don’t really eat any of that sweet stuff, so I’ll be donating it to the food bank. In addition, I received steaks, a giant beef roast, lots of frozen fruit and veg, and a wide assortment of cheese. They can’t bring perishables on the truck (mind you, it’d be fine – we have ten inches of snow outside…), so I hit the jackpot.

Didn’t go to work

I’m very lucky that my work allows for me to work from home when necessary. I was sick, so I didn’t go to work last week and worked from home instead. That meant I didn’t have to pay parking at the subway ($4 per day) or transit to work ($6.20 per day). I also usually buy a coffee and a bagel once a week, which is only a few bucks, but adds up.

All in all, I spent $11 in seven days. If I continue not spending this week, I’ll be back on track with discretionary spending. And that’s a good thing, because I need to rent a ballgown for an awards evening for work next week. The evening won’t cost me anything more than the gown rental, luckily. I’ll be sure to get a picture to share with you from the event!