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Keep updated with CBB’s November 2023 price range replace. Uncover the story of the month’s bills and the info behind them. Get the entire November 2023 price range insights at this time!
I hope you take pleasure in these month-to-month updates, and in case you’d prefer to see different knowledge, remark beneath.
When you’re new to the weblog and haven’t downloaded my free 2024 Price range Binder, seize it now.
Why Do I Share Our Month-to-month Price range?
I sit up for placing this put up collectively because it lets us see the place our cash was spent.
A price range additionally acts as a diary in your bills so you’ll be able to look again to see success and failure.
In any case, we are able to solely achieve success if we study from the errors we make alongside the way in which.
Our price range replace additionally lets readers know that we’re NOT good and should make modifications like everybody else.
We use the instruments (Free price range Binder), and I hope you have got downloaded your free copy.
If there’s any data that you just’d prefer to know or clarify about our price range, please share your feedback beneath.
Alright, let’s get into this.
Dialogue November 2023 Price range
Benefit from the learn, and as at all times, I recognize your form suggestions and strategies within the remark part.
Percentages For the November 2023 Price range
Seeing our housing ratio drop was glorious as we’ve got slowed the renovations down, and I’ve to complete the principle rest room.
I’ve already bought a lot of the objects wanted for the lavatory, so I have to make time to get the job performed.
Our transportation prices elevated as I spent round $85 additional for the month.
Beginning in November, I’ll fill the big fuel tanks to have additional within the storage.
This has come in useful extra instances than I can rely throughout winter storms.
Our Life Ratio will improve resulting from Christmas procuring bills for November and December.
The excellent news is that we’ve got a piece of the cash saved as projected bills.
In any other case, we appear balanced and targeted on reaching our yearly monetary objectives.
Price range Month Comparability
We had an 8.67% change in complete internet revenue for the month, with a lower in bills of 69% in comparison with October.
Renovation bills elevated our October price range, and the proportion dropped since we didn’t spend a lot in November.
After Christmas, these numbers might ramp-up as I start renovations once more.
November 2023 Family Price range Percentages
Financial savings of 32.45% in November embody investments and financial savings based mostly on our internet revenue.
The housing ratio, as talked about, dropped to 15.11%, beneath the 35% threshold.
Our Life Ratio is 38.19%, which is excessive as a result of holidays and my shopping for instruments for my storage workstations.
The instrument bills goal to finish renovations and repair my truck with out paying charges.
Life accommodates every part from groceries, leisure, miscellaneous, well being/magnificence, clothes, and so on.
Each housing and transportation keep beneath the month-to-month proportion factors.
Our truck has no mortgage, and solely considered one of us goes to work, making issues cheaper despite the fact that fuel costs are growing.
Equally essential is saving cash for our projected bills due all year long.
All classes took 100% of our revenue, displaying we accounted for all of the income in November 2023.
We now have zero debt, which helps fund different price range classes to maximise investments and financial savings.
Grocery Meals Financial savings Jar November Replace
Quickly, I shall be writing an in depth weblog put up about why we’ll monitor our grocery reductions.
Replace: Monitoring Our Grocery Reductions For One Yr + Free Printable
I’ll tally it on the finish of the yr to see how a lot we saved shopping for diminished meals merchandise.
For November, we saved a complete of $69.47.
Thus far, in 2023, buying discounted meals has saved us $1092.09
That’s Superior!!
November 2023 Price range and Precise Price range
Under are two tables: Our November 2023 Price range and our Precise Price range.
Our November 2023 month-to-month price range represents two adults and a 9-year-old boy.
Price range Color Key: It’s a projected expense when highlighted in blue.
Since Could 2014, we’ve been mortgage-free, redirecting our cash into investments and residential enchancment tasks.
Spending lower than we earn and budgeting has been the simplest technique to repay our debt and lower your expenses.
Such a price range is a zero-based price range the place all the cash has a house.
Estimated November 2023 Price range
Precise November 2023 Price range
Canadian Banks, We Use
Breakdown Of Our November 2023 Price range
Under are a few of our variable bills from November, aside from investments.
We spent $1980.48 over price range in November, which I’ll evaluation beneath.
November 2023 Price range Class Adjustments
We mentioned growing our price range classes for birthday, pet, grocery, and telecommunications and determined to do that within the new yr.
I nonetheless have to repair the prolonged well being class however I’ve determined to attend till 2024.
Family Payments and Bills
Under is a proof of the price range classes from November 2023 that have been over price range or want clarification.
Grocery Price range November 2023 Price range
Our month-to-month grocery price range is $900 plus a $25 stockpile price range.
We spent $978.46 or $78.46 over price range for November on groceries.
Since Mrs. CBB’s surgical procedure, she has been instructed to let her physique heal and eat sure meals.
This didn’t lower the grocery price range, as we often wouldn’t purchase objects.
Since I solely needed to prepare dinner, I lived off 50% of salads and tuna and acquired any from Flashfood offers.
We’ll see this improve within the subsequent month, tally up our numbers for 2023, and resolve what 2024 price range numbers will appear to be.
Birthday
The birthday expense in November was for Mrs. CBB’s greatest pal’s fiftieth present, an enormous basket stuffed with connoisseur meals and wine.
She lives in a city with little availability for present supply, and Mrs. CBB didn’t wish to ship her a present from Amazon.
Sure, considered one of us has crossed over into the “50” half-century, and it’s NOT me. Ha, Ha!
That’s all of the birthday bills for 2023.
Pet Bills
Beginning in 2024, we’ll improve the price range accordingly based mostly on the bills for 2023.
It made sense to attend solely as a result of we’ve got the cash for the month-to-month overage; plus, we wished to tally up what 2023 bills have been.
When you should not have the additional money as we do, it’s important to replace your price range as quickly as doable.
We didn’t do improper for November, spending $206.99, which continues to be excessive.
Our cats eat moist and dry meals, and completely different treats are placed on the snack tray.
We bought a snack tray that makes the cats work for his or her treats.
Clothes
Amazon had a deal for cargo pants to suit our son, so we purchased him two pairs.
He’s rising so quick now that we replenish his clothes each few months.
The great factor is that his shirts, hoodies, and pullover sweaters nonetheless match him.
Mrs. CBB purchased herself a pair of Puma jogging pants on sale.
I’m undecided about you, however we by no means buy clothes on the complete worth.
There must be some type of financial savings or incentive. How about you?
Well being And Magnificence
Nothing thrilling occurred on this class, however the place we doc every part from cleansing provides, toiletries, nutritional vitamins, cologne, deodorant, and so on. You get the image.
I purchased myself a bottle of Sauvage cologne however used Optimum factors to pay for a lot of the expense.
In the end, it value me $33, which was an enormous financial savings.
2024, we’ll see a rise for this class, as $66 will not be possible with at this time’s costs.
Prescriptions
Our month-to-month prescriptions are holding regular, and for 2024, we may have a class improve.
In November, our prescriptions totaled $140.41, with my worker advantages protecting 90% of the prices.
Since our final union and wage improve, we had a big advantages change, which noticed our prescriptions improve from 80 to 90% protection.
I’m contemplating doing a weblog put up about my advantages bundle to investigate what our household will get and doesn’t get in comparison with others.
FlashFood App
In November, we picked up six objects from Flashfood, bringing our financial savings to $380 for the yr.
If you wish to see what we bought, I can take screenshots. Let me know by replying to this electronic mail or commenting beneath.
For November 2023, we saved $80.35 by buying meals that was diminished in worth.
Additionally, we acquired free meals from the Flashfood app utilizing rewards factors that I don’t calculate into our grocery bills.
Each one who indicators up will get a $5 credit score, a freebie provided by Flashfood for brand spanking new app clients.
Use my referral code, MOCD28ZN4, to get the $5 credit score, and your first buy should be over $10.
PC Optimum Factors
We acquired an electronic mail from PC Optimum with a 2023 evaluation of our earned factors.
Thus far, we’ve got earned 289,785 PC Optimum Factors for the yr, lower than normal.
Procuring at Customers Drug Mart will not be possible for our grocery price range until we discover diminished meals merchandise or store on 20x the factors days.
Most of our factors for 2023 have been earned by procuring at Zehrs, which shocked us.
There’s a lot concerned when planning a store at Customers that I recommend studying my most seen put up about how we earned 4 million PC Optimum Factors.
At present, we’ve got 6,713,177 PC Optimum Factors or $6700 that we are able to spend at both Customers Drug Mart or taking part Loblaws shops.
At present, SDM is operating a promo the place you get an additional $100 in case you redeem 200,000 factors.
As a substitute of $200, we might get $300 for each 200,000 we redeem, making our factors redemptions very profitable.
TD Visa Money Again Quantity
Our TD Visa has a cashback stability of $379.89, a rise of just below $10 from October.
We’ll take away the cashback in December to begin contemporary in January.
A lot of the bills on this card are for something we buy on-line, together with PayPal and Amazon Canada.
Query: What bank card do you employ primarily for on-line purchases?
Remark beneath or reply to this electronic mail.
Canadian Tire Triangle Rewards November 2023
Sometimes, my bills are placed on my Canadian Tire MasterCard aside from Costco CIBC MasterCard for fuel and groceries and PC World Elite MasterCard for groceries.
I’ve made a number of purchases at Canadian Tire in the previous couple of months, and my stability of $801.32 is from these bills.
We additionally solely store on 20x or 30x the Triangle Rewards days!
November 2023 CBB Internet Value Replace
The funding portfolios elevated in November by $47,714.92 or +3.19%.
Till Subsequent Time!
That’s all for our November 2023 Month-to-month Price range.
The ultimate 2023 price range replace shall be posted in January 2024, so keep tuned for that and one other put up with our yr at a look.
If there’s one thing you’d prefer to see in our month-to-month replace, hit reply to this electronic mail and let me know.
Thanks for stopping by, and please subscribe if you’re new to CBB.
Learn our price range updates from 2012-current.
Mr. CBB
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