Food Waste - November Budget

No food waste to declare, though the tail end of a head of lettuce is starting to look pathetic. I'm also low on the food front. Milk's all gone, no more fruit left and the only bread I have is in the freezer. I need a big groceries trip Saturday morning. Probably before breakfast because I haven't got much left to make breakfast with.

As for my monthly pay check it is in for a total of $3,615.97 which is a pay raise from $3,598.39.  For the moment I'm going to act like a didn't get a lovely pay raise of $17.58 since my income will be dropping next month as I reduce hours to work on my Masters. Extras that came in were $372.57 from my employer to cover professional fees that I paid and $101.00 in a GST rebate which went to the "pay down the mortgage fund".

Housing 40% - $1,439.35

Mortgage - $646.62

House Maintenance - $315.00

Housing Taxes - $192.00

House Insurance - $72.00

Utilities – $213.73

Total – $1,439.35

Savings 10% - $359.83 – All going to my RRSP

Debt 10% - $359.83

Transportation 15% - $539.75

Bus Pass – $0 (covered in tuition)

Train - $15

Other - $0

Car Savings – $0

Total - $15

Leftover - $524.75

Life 25% - $899.63

Food - $140

Cell – $30

Internet - $55

Health Insurance – $23.52

Clothes - $10

Gifts - $10

Misc - $10

Big Ticket Item - $100

Entertainment - $10

Social/Sports - $0

Financial Planning - $14

Cat - $20

Slush – $477.11

Total - $899.63

Of Note:

-I dropped my food budget because I've developed quite a surpluse in that account. 

-The Cat category has been added with $10 a month being put aside for food and $10 a month being put aside for vet fees. 

-My mortgage payments and the other extra space in my budget adds up to $2,008.31, of that $1,422.56 will go towards my normal payment and the double up and $585.75 will go towards the "pay down the mortgage fund" in order to be used for a 10% principal payment.