Just enjoying some much needed between-Christmas-and-New-Year relaxation time and getting caught up with my monthly updates! Here’s November!!

  • $10,722 in RESP contributionsMISSION ACCOMPLISHED!¬†Because our RESP is now maxed out for the year, we added $800 to our RRSP, bringing our year-to-date total to $3,200.
  • Make at least 5 extra mortgage payments¬†– MISSION ACCOMPLISHED!!
  • Annual spend under $75K, including at least 4 months under $6K and at least one month under $5K – October to December are usually pretty high in terms of expenses, with high sports expenses and Christmas. This November, we spent $7,611.71, bringing our year-to-date total to $75,592.30. So yes, we already spent more than our annual goal of $75,000, and we still have an entire (expensive!) month to go. BIG FAIL. November expenses of note:
    • another $1,200 in sports-related expenses, including some hockey fees, ringette fees, and a deposit on a spring hockey team for our middle son (which I’m NOT happy about… not the money per se, but the fact that he’ll be playing spring hockey at all… but that’s a whole other post).
    • over $800 for Christmas presents and for our daughter’s birthday (including the cost of her birthday party).
    • $470 for a trip hubby took to Mexico.
    • $760 for clothing, which is super high.
  • NOT incur any consumer debt – None incurred, so on track.
  • Assemble a binder of financial information¬†– Did not make any progress in November…

With one month to go, it’s looking pretty good, although obviously not perfect. But that’s ok. I know with absolute certainty that we’re better off having set goals – even if we didn’t achieve them all – than if we hadn’t set any at all! Speaking of which, stay tuned for 2019 financial goals, which not surprisingly, will look very much like our 2017 and 2018 goals!