Budget mishaps…

With summer quickly rolling in I’m noticing a SCARY trend in my budget. I’m off… like WAY off… still within my total budget but my categories are way out of whack and I don’t think that’s going to change until November rolls around… my student loan repayment has also suffered and I won’t make my <$5,000 goal for July 1. It’s making me feel a little on edge but the overpowering feeling is relief and happiness. Which is strange, I mean… I’m consistently OFF budget and I’m cool with that? I think I may have been too strict on myself this past winter and while I made some really nice progress financially it really added to me hitting the proverbial wall and… here we are. I need to find a balance.

I started writing this post because I realized that I missed a crucial and big expense in this months budget: I didn’t include that I’m leaving for Isles de la Madeleine on June 24th for a 5/6 day camping trip, I’ve been wanting to go there for a very long time so I’m really looking forward to it. (Speaking of which, have you been? I’d love to hear any tips & suggestions on what to do!) I haven’t had more than 3 days off in a row in more than a year and a half… that’s a long time and I’m really ready for a vacay. I’ve had slow weeks of work and haven’t worked full-time consistently throughout but it will be nice to just really be OFF and away for a little while.  I’m kind of wondering if I should actually make a new category in my budget for vacation expenses, what do you think?

Sure looks pretty...!

Aside from the camping trip at the end of June, I’m also going for a one day shopping trip with friends (it’ll be them shopping and me accompanying) the day after I come back and I’ve still got the possible trip to Toronto to see John Butler Trio mid-July. I’ve also just started researching prices for tickets to the Netherlands probably late August/early September (mentioned here) which is very exciting but it’s going to bust my budget… did I mention I have a huuuuuge renovation coming up before winter as well?

Yeah…. I just had a visit with the development officer in my community and in order to renovate and extend my porch about 3 feet (because it’s so tiny, the extra space is needed) I’m going to have to apply for a gross variance which will need to be approved by council & my neighbours individually. *sigh*Nothing’s ever easy… so everything with my mortgage refinancing is on hold until I get a cost estimate from my contractor, apply and hopefully get approved for a permit… and then we go from there.

I’m guessing it’ll take another month before I can head back to the bank to talk about the refinancing again. We’ve already established that I have the credit etc. to get it all done, just need to work out the kinks like the new terms of my mortgage, and for that I need to have a plan in place for the renovation + a building permit because without the permit the whole project changes. I hope to talk to the contractor again tomorrow and work out some details, I’m hoping to push the reno off until September so the framing & exterior can be finished right before winter and I can slowly work on the interior myself over the winter. It would save me some big bucks to do that. I’m really slow at stuff like drywalling but I can do it so hiring the contractor to only do the frame and exterior finishing should be good for the bottom line so I don’t bust my budget into oblivion… lol.

Ahhh! I’m trying not to get too overwhelmed and have a bit of fun too, I think I’ll be okay though as long as I stay within the rough parameters of my budget I’ll get where I want to be. How’s your budget fairing in this fair weather? 😉

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4 Comments

  1. The Netherlands?! That is so exciting!! My company has a branch there. Random, I know.

    I think that, because travel is something that enriches your life, it’s worth the money. Personally.

  2. I’ve been missing the mark in my budgeting lately as well. Must be something to do with the summer sun.

    Ah, hearing your travel plans makes me want to plan a camping trip.

  3. Oooh, that camping trip sounds lovely! I’m headed to Yosemite National Park for some backpacking this summer. It’s sort of a cheaper vacation, right? Hahahaha. *sigh*

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