Every year, October straight up kicks. my. ass.  This year was no different.  Actually, that’s not true.  This year was different – it was worse than usual.  Things just get too busy in October, and I don’t like it.  I’ll (maybe) get used to the new pace (eventually), but for now, I’m honestly just down in the dumps about totally losing control over my time.  It’s just work, hockey, ringette, curling, meetings, work, hockey, ringette, curling, meetings…  rinse and repeat…  I just have to force myself to look at the bright side… as in, I’m so incredibly blessed to have 3 beautiful, healthy children who would rather get out and play sports than sit at home playing video games, I’m so lucky that I have a hubby who is engaged in our kids’ lives and wants to coach our boys’ hockey teams, I’m so fortunate to live in a wonderful community and I feel honored to contribute to it by volunteering my time on a couple of boards and coaching our daughter’s junior curling program, and (segue alert!) I’m so lucky that our finances are such that we can afford all these sports and activities without feeling the pinch.

There, I feel better already! Now, let’s get to the point of this post, shall we?!

  • $12,500 in RESP contributions – I’m still investing $1,240 a month, but now only $400 of that is going towards the RESP, and the rest is going into my TFSA.  So with October’s $400, my year-to-date total in RESP contributions sits at $11,860.  This goal will be met once we’ve contributed $400 in each of the next 2 months, so definitely on track.  Although it isn’t really part of my goal, I’ll include my TFSA contributions here as well, which now sit at $1,680.
  • Increase automatic investment amounts ($500/month excluding pension contributions at Jan 1) – This is my ‘pay myself first’ goal, and my automatic investment amount now sits at $1,240/month, so goal accomplished.
  • Annual spend under $80K – This month hurt. A lot. Like, REALLY a lot.  Our October spend was… wait for it…  $9,174.99, which is our most expensive month so far this year!! That’s right – we went from our cheapest month in September to our most expensive in October (eye roll).  I knew this was coming though, and it included some big ticket items, including:
    • $2,206 for an all-inclusive trip we’re taking in January.  My ever-so-generous parents are paying for all their grandkids, so we only have to pay for 2 people instead of 5. In the grand scheme of things, $2,206 isn’t too bad for a family-of-5 winter holiday!
    • nearly $1,500 in sports expenses, which includes partial hockey and ringette registration fees, curling fees for our daughter, G and I, tournament fees, referee fees, volunteer buy-out fees, fees for pictures, hockey equipment, etc.  Ouch.
    • a nearly $300 speeding ticket (it wasn’t me!) – G even went to the courthouse and got this reduced from the original fine amount, which was over $400.
    • G’s birthday – 2 sushi dinners out and 2 tix to an NHL game cost over $350…

Our year-to-date spend now stands at $64,735.36.  The 5/6 point for this goal is $66,400, so we’re still doing ok, but we’ve still gotta get through a December trip of mine and of course, Christmas.  Touch and go…

  • Increase our saving % (20% at Jan 1) – This now sits at about 33% of our gross income, so goal accomplished.
  • NOT incur any consumer debt – None incurred. Goal accomplished.
  • Declutter at least 2 things a dayGoal abandoned.

Only 2 months left to go!! Might be white-knuckling it a bit on the annual spend, but otherwise looking good!  Meanwhile, it’s time to start thinking about 2018 goals…

LS