{"id":43461,"date":"2020-07-09T08:05:49","date_gmt":"2020-07-09T12:05:49","guid":{"rendered":"https:\/\/canadianbudgetbinder.com\/?p=43461"},"modified":"2024-12-27T11:46:06","modified_gmt":"2024-12-27T11:46:06","slug":"importance-of-a-documented-monthly-debt-review-free-budget-binder-printable-june-2020-budget-update","status":"publish","type":"post","link":"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/2020\/07\/09\/importance-of-a-documented-monthly-debt-review-free-budget-binder-printable-june-2020-budget-update\/","title":{"rendered":"Importance Of A Documented Monthly Debt Review (Free Budget Binder Printable) : June 2020 Budget Update"},"content":{"rendered":"<h2>Celebrate Milestones By Documenting Your Debt Success<\/h2>\n<p>Not everyone thrives on the success of paying their bills however for those of you who do a <strong>monthly debt review<\/strong> will keep you inspired.<\/p>\n<p><a href=\"https:\/\/canadianbudgetbinder.com\/2018\/12\/06\/why-people-hate-knowing-their-debt-repayment-numbers-free-printable\/\"><strong>Knowing your debt numbers<\/strong><\/a> is more about understanding how well you are managing your money.<\/p>\n<ul>\n<li><strong>Are you paying your debt off in a fashionable manner? <\/strong><\/li>\n<li><strong>How much is your debt costing you?<\/strong><\/li>\n<\/ul>\n<h2>Costs Of Paying Minimum Payments<\/h2>\n<p>Focus not only on what you can afford or think you can afford but the long-term costs of money you could be investing.<\/p>\n<p>That invested money can mean the difference between a <strong>basic retirement<\/strong> and one with funds to do whatever you want.<\/p>\n<p><a href=\"https:\/\/canadianbudgetbinder.com\/2019\/10\/29\/8-signs-you-are-financially-fit-with-your-money\/\"><strong>Becoming financially fit<\/strong><\/a> is not something nice to have it&#8217;s something <strong>we all should strive for<\/strong>.<\/p>\n<p>Owning debt means that you will do anything and everything to pay it off promptly at the <strong>least cost to you<\/strong>.<\/p>\n<p>Go online to see your last credit card statement and read the tiny print that shares with you how long and how much the debt will cost if you only make <strong>minimum payments<\/strong>.<\/p>\n<p>If that number does NOT shock you then you&#8217;re not taking your debt seriously.<\/p>\n<p>Not.One.Bit.<\/p>\n<h2>What Is A Debt Review?<\/h2>\n<p>Don&#8217;t confuse a debt settlement or consolidation with a monthly debt review as they are similar yet different.<\/p>\n<p>Like a debt consolidator who works to find a debt solution by rolling debt into one payment, you&#8217;re simply reviewing debt without a counsellor.<\/p>\n<p>The idea behind a personal debt review is that you continue to realize how much debt you owe and to who.<\/p>\n<p>For many people seeing documented figures showing how much debt they owe allows them to stay on course.<\/p>\n<p>You don&#8217;t want to get to the point where the debt trap takes control and you&#8217;re forced into a consolidation or counselling program.<\/p>\n<p><a href=\"https:\/\/canadianbudgetbinder.com\/2019\/08\/01\/how-to-deal-with-a-debt-collector-you-cant-pay\/\"><strong>Dealing with a debt collector you can&#8217;t pay<\/strong><\/a> means that when they come knocking you&#8217;ll need a concrete repayment plan to satisfy them.<\/p>\n<p><strong>Is a debt tracker the same thing as a debt review?<\/strong><\/p>\n<p>Yes and no because the debt tracker shows you what your debts are whereas the <strong>monthly debt review<\/strong> current situation.<\/p>\n<ul>\n<li><strong>Type of Debt you own<\/strong><\/li>\n<li><strong> How much debt you owe<\/strong><\/li>\n<li><strong>How much debt you&#8217;ve paid<\/strong><\/li>\n<li><strong>What amount of debt that you have left <\/strong><\/li>\n<\/ul>\n<h2>Advantages Of A Monthly Debt Review<\/h2>\n<p>The reason I like the monthly debt review is that it allows you to be in control of your financial situation.<\/p>\n<p>I often find that people who owe money and see what they owe along with the progress that it encourages them.<\/p>\n<p>Debt becomes a problem when you hide it or pretend that it&#8217;s not there.<\/p>\n<p>It will always come for you whether it&#8217;s today or tomorrow but you&#8217;ll be on the hook to pay for it.<\/p>\n<ol>\n<li><strong>You get to see your debt<\/strong><\/li>\n<li><strong>Progress is recognized<\/strong><\/li>\n<li><strong>Motivation to keep paying off debt<\/strong><\/li>\n<li><strong>Celebrate milestones or goals<\/strong><\/li>\n<\/ol>\n<p>I can&#8217;t possibly think of any disadvantages of using a debt review report other than the time it takes to fill it out.<\/p>\n<p>In my opinion, that time is well <strong>worth it<\/strong>.<\/p>\n<h2>Importance Of A Debt Review<\/h2>\n<p>To manage your debt problems successfully, you need to focus on debt repayment.<\/p>\n<p>You might wonder why I call debt a problem well, it&#8217;s always a problem when you owe someone money.<\/p>\n<p>That doesn&#8217;t mean debt should cause you financial stress however you should show urgency towards money you owe.<\/p>\n<p>That&#8217;s how we <a href=\"https:\/\/canadianbudgetbinder.com\/2014\/05\/12\/mortgage-free-in-5-years\/\"><strong>paid our mortgage off in 5 years<\/strong> <\/a>which further assisted us to become <a href=\"https:\/\/canadianbudgetbinder.com\/2019\/08\/27\/how-i-owned-a-mortgage-free-house-by-age-40\/\"><strong>debt-free in 2014<\/strong><\/a>.<\/p>\n<p>Although we didn&#8217;t use a debt review progress report such as this we would have benefited to <strong>celebrate milestones<\/strong>.<\/p>\n<p>By this, I mean setting monthly <a href=\"https:\/\/canadianbudgetbinder.com\/2014\/12\/22\/setting-goals-like-wealthy\/\"><strong>finance goals<\/strong><\/a> may include paying off certain debts.<\/p>\n<p>Documenting your debt payoffs each month allows you to <strong>pat yourself on the back<\/strong> for your dedication.<\/p>\n<h2>How To Complete A Monthly Debt Review<\/h2>\n<p>The monthly debt review will assist you by way of motivation when you see your debts are decreasing.<\/p>\n<p>After you pay all of your debts each month take a few minutes to jot them down on your debt review chart.<\/p>\n<p>Information you will need to complete a monthly debt review is straight-forward.<\/p>\n<ol>\n<li><strong>Name Of The Debt- Example: PC Financial MasterCard<\/strong><\/li>\n<li><strong>The date you last sent a payment towards this debt<\/strong><\/li>\n<li><strong>Last amount you paid on this debt<\/strong><\/li>\n<li><strong>How much debt you currently have left to pay after that last payment<\/strong><\/li>\n<\/ol>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-143473\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/Monthly-Debt-Review-Budget-Binder-Printable-Screenshot.webp\" alt=\"Monthly-Debt-Review-Budget-Binder-Printable-Screenshot\" width=\"887\" height=\"720\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/Monthly-Debt-Review-Budget-Binder-Printable-Screenshot.webp 887w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/Monthly-Debt-Review-Budget-Binder-Printable-Screenshot-300x244.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/Monthly-Debt-Review-Budget-Binder-Printable-Screenshot-768x623.webp 768w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/Monthly-Debt-Review-Budget-Binder-Printable-Screenshot-517x420.webp 517w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/Monthly-Debt-Review-Budget-Binder-Printable-Screenshot-150x122.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/Monthly-Debt-Review-Budget-Binder-Printable-Screenshot-696x565.webp 696w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/p>\n<p>Although we no longer carry debt when we did this debt review budget binder printable would have been awesome to have.<\/p>\n<p>That&#8217;s the great thing about being through the debt process as I can offer you suggestions based on experience.<\/p>\n<p>For those of you who want to successfully manage your money that means putting some homework into the process.<\/p>\n<p>Filling out budget binder printable sheets every month and throughout the year may seem boring.<\/p>\n<p>However, I&#8217;d take boring any day over owing money to someone for a debt.<\/p>\n<p>Keep in mind the more that you complete your budget binder printables the easier the process becomes.<\/p>\n<h2>Final Word<\/h2>\n<p>When it comes to your debt it doesn&#8217;t matter if you have <a href=\"https:\/\/canadianbudgetbinder.com\/2019\/06\/13\/what-is-considered-bad-debt-may-2019-budget-update\/\"><strong>good debt or bad debt<\/strong><\/a> it&#8217;s all money you must pay.<\/p>\n<p>Avoiding a <a href=\"https:\/\/canadianbudgetbinder.com\/2019\/05\/28\/5-smart-tips-to-avoid-a-personal-debt-crisis\/\"><strong>debt crisis<\/strong><\/a> means fast-forwarding the process of paying back your debt.<\/p>\n<p>Spending a few minutes each month completing a debt review may just be the success you&#8217;re looking for.<\/p>\n<p>Get a <strong>FREE copy of the Debt Review Report<\/strong> for your budget binder by S<strong>ubscribing to CBB<\/strong> and visiting the <a href=\"https:\/\/canadianbudgetbinder.com\/free-tools\/\"><strong>Free Budget Binder Printable Page<\/strong><\/a>.<\/p>\n<p><strong>Discussion:<\/strong> Do you complete a documented monthly debt review?<\/p>\n<p>Leave me your comments below and with tips for our readers.<\/p>\n<h2>Home Budget Income Report June 2020<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-143471 alignright\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Month-Income-and-Expenses.webp\" alt=\"June-2020-Month-Income-and-Expenses\" width=\"428\" height=\"207\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Month-Income-and-Expenses.webp 354w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Month-Income-and-Expenses-300x145.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Month-Income-and-Expenses-150x72.webp 150w\" sizes=\"auto, (max-width: 428px) 100vw, 428px\" \/><\/p>\n<p><strong>Where did the money go?<\/strong><\/p>\n<p><strong>Hi CBB readers,<\/strong><\/p>\n<p>I know you&#8217;re going to say we blew our budget and you&#8217;re right we did especially on clothing again.<\/p>\n<p>With Mrs. CBB losing weight on the keto diet she&#8217;s had to buy new clothes which she&#8217;s done from online clearance only.<\/p>\n<p>We&#8217;ve also ordered school clothes and summer clothes for our son including running shoes and sandals.<\/p>\n<p>For myself, I bought two pairs of jeans from Mark&#8217;s Work Warehouse, two pairs of running shoes, steel toe boots for work, and new shorts.<\/p>\n<p>Again, I shopped the clearance section only for these items which is almost shocking given how much we spent on clothing in May and June.<\/p>\n<p>Imagine the costs for people who shop retail regular prices how much money it costs?<\/p>\n<p>Typically we will go to Value Village for used clothing however some of the clearance items beat their prices hands down.<\/p>\n<h2>Renovations Driving Up Budget Expenses<\/h2>\n<p>Other high expenses went to renovations for the basement which I&#8217;ve been working on the past two weeks.<\/p>\n<p>I have the city inspector coming for a final inspection in August so I had to get it done.<\/p>\n<p>It&#8217;s a long story but when we bought this house some mice infested the basement with the previous owner.<\/p>\n<p>I took that opportunity to negotiate the price lower because I knew I could fix the basement insulation myself.<\/p>\n<p>There have been zero mice in our house since however I have traps set up in the attic and actively catch them every month.<\/p>\n<p>Try it, I bet you&#8217;ll be surprised how many tiny little mice get in and out of your house without you knowing it.<\/p>\n<p>Our grocery budget also went up as we continue to stockpile which means less time spent in the grocery store.<\/p>\n<p>Our goal for July is to save something in our emergency savings account since June was a bust apart from investments.<\/p>\n<p>Chat to you all in August with our July Budget Update.<\/p>\n<p>Mr.CBB<\/p>\n<h2>Home Budget Percentages<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-143470\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Household-Percentages.webp\" alt=\"June-2020-Household-Percentages\" width=\"795\" height=\"425\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Household-Percentages.webp 795w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Household-Percentages-300x160.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Household-Percentages-768x411.webp 768w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Household-Percentages-786x420.webp 786w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Household-Percentages-150x80.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Household-Percentages-696x372.webp 696w\" sizes=\"auto, (max-width: 795px) 100vw, 795px\" \/><\/p>\n<p>Our <strong>savings of 31.89 % <\/strong>include investments as well as any savings for this month based on the <strong>net income<\/strong> of <strong>$7899.29<\/strong>.<\/p>\n<p>We save money in our <a href=\"https:\/\/canadianbudgetbinder.com\/2012\/08\/23\/budget-step-10-projected-expenses\/\"><strong>projected expenses<\/strong><\/a> for things that need to be paid for in the coming months.<\/p>\n<p>All of the categories took <strong>100% of our income<\/strong> which shows that we accounted for all of the income in <strong>June 2020.<\/strong><\/p>\n<p>This type of budget is a <a href=\"https:\/\/canadianbudgetbinder.com\/2018\/11\/08\/how-to-make-a-zero-based-budget\/\" rel=\"follow noopener noreferrer\" data-wpel-link=\"internal\"><strong>zero-based budget<\/strong><\/a> where all of the money has a home.<\/p>\n<h2>Monthly Home Budget Expenses<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-143471 alignright\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Month-Income-and-Expenses.webp\" alt=\"June-2020-Month-Income-and-Expenses\" width=\"354\" height=\"171\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Month-Income-and-Expenses.webp 354w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Month-Income-and-Expenses-300x145.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Month-Income-and-Expenses-150x72.webp 150w\" sizes=\"auto, (max-width: 354px) 100vw, 354px\" \/><\/p>\n<p>Below is a breakdown of our expenses which helps us to understand where all of our money goes.<\/p>\n<ol id=\"yiv4641900848yui_3_13_0_1_1399210834866_50104\">\n<li id=\"yiv4641900848yui_3_13_0_1_1399210834866_50103\"><strong id=\"yiv4641900848yui_3_13_0_1_1399210834866_50287\">Chequing<\/strong>\u2013 This is the <strong>bank account<\/strong> where all of our debt gets paid from. We use <a href=\"https:\/\/www.simplii.com\/en\/home.html\" rel=\"noopener noreferrer external nofollow\" data-wpel-link=\"external\"><strong>Simplii Financial<\/strong><\/a>.<\/li>\n<li id=\"yiv4641900848yui_3_13_0_1_1399210834866_50105\"><a href=\"https:\/\/canadianbudgetbinder.com\/2012\/03\/03\/emergency-savings-fund-in-canada-how-much-why\/\" rel=\"follow noopener noreferrer\" data-wpel-link=\"internal\"><strong>Emergency Savings Account<\/strong><\/a>\u2013 This is a high-interest savings account.<\/li>\n<li id=\"yiv4641900848yui_3_13_0_1_1399210834866_50106\"><strong id=\"yiv4641900848yui_3_13_0_1_1399210834866_50290\">Regular Savings Account<\/strong>\u2013 This is a savings account that holds our projected expenses.<\/li>\n<li id=\"yiv4641900848yui_3_13_0_1_1399210834866_50107\"><strong id=\"yui_3_16_0_1_1407416339741_79779\">Monthly Budgeted Total<\/strong>:<strong id=\"yiv4641900848yui_3_13_0_1_1399210834866_50291\"> $6,392.68<\/strong><\/li>\n<li id=\"yiv4641900848yui_3_13_0_1_1399210834866_50285\"><a href=\"https:\/\/canadianbudgetbinder.com\/2019\/09\/19\/how-many-income-streams-should-i-have-net-worth-update-august-2019-0-03\/\" rel=\"follow noopener noreferrer\" data-wpel-link=\"internal\"><strong id=\"yui_3_16_0_1_1407416339741_79700\">Monthly<\/strong>\u00a0<\/a><strong>Net Income\u00a0Total<\/strong>: <strong id=\"yiv4641900848yui_3_13_0_1_1399210834866_50292\">$7899.29<\/strong><\/li>\n<li id=\"yiv4641900848yui_3_13_0_1_1399210834866_50284\"><strong>(Check out our <\/strong><a title=\"Ultimate Grocery Shopping Guide\" href=\"https:\/\/canadianbudgetbinder.com\/free-tools\/ultimate-grocery-shopping-guide\/\" rel=\"nofollow noopener noreferrer\" data-wpel-link=\"internal\"><strong>Ultimate Grocery Guide<\/strong><\/a><strong> to see where our grocery money goes) <\/strong><\/li>\n<li id=\"yiv4641900848yui_3_13_0_1_1399210834866_50283\"><strong><a href=\"https:\/\/canadianbudgetbinder.com\/2012\/08\/23\/budget-step-10-projected-expenses\/\" rel=\"follow noopener noreferrer\" data-wpel-link=\"internal\">Projected Expenses<\/a>:<\/strong>\u00a0These are expenses we know we will pay for throughout the year =\u00a0<strong>$852.91<\/strong><\/li>\n<li id=\"yiv4641900848yui_3_13_0_1_1399210834866_50282\"><strong>Total Expenses Paid Out<\/strong><strong>: <\/strong><strong>$8074.71<\/strong><\/li>\n<li id=\"yiv4641900848yui_3_13_0_1_1399210834866_50281\"><strong id=\"yui_3_16_0_1_1407416339741_79784\">Total Expenses Paid Out:<\/strong> Calculated is\u00a0<strong id=\"yiv4641900848yui_3_13_0_1_1399210834866_50293\">$7899.29 <\/strong>(total net monthly income) \u2013 <strong>$852.91 <\/strong>(projected expenses) \u2013<strong>$0 <\/strong>(savings to emergency fund) = <strong>$0 spent too much.<br \/>\n<\/strong><\/li>\n<li id=\"yiv4641900848yui_3_13_0_1_1399210834866_50279\"><strong id=\"yui_3_16_0_1_1407416339741_79785\">Actual Cash Savings going into Emergency Savings<\/strong>: Calculated is\u00a0<strong id=\"yiv4641900848yui_3_13_0_1_1399210834866_50280\">$7899.29 <\/strong>(total monthly net income) \u2013 <strong>$8074.71 <\/strong>(actual expenses paid out for the month) \u2013 <strong>$852.91 <\/strong>(projected expenses) = &#8211;<strong id=\"yiv4641900848yui_3_13_0_1_1399210834866_50278\">$1028.33<\/strong><\/li>\n<\/ol>\n<h2>Monthly Budget and Actual Budget<\/h2>\n<p>Below you will see two tables, one is our monthly budget and the other is <strong>our actual budget.<\/strong><\/p>\n<p>This budget represents <strong>2 adults and a pre-schooler,<\/strong> plus retirement investments.<\/p>\n<p><strong>Budget colour chart: If highlighted in blue that means it is a projected expense. \u00a0\u00a0<\/strong><\/p>\n<p>Since May 2014 we\u2019ve been <a title=\"How we became mortgage free in five years\" href=\"https:\/\/canadianbudgetbinder.com\/2014\/05\/12\/mortgage-free-in-5-years\/\" rel=\"noopener noreferrer follow\" data-wpel-link=\"internal\"><strong>mortgage-free<\/strong><\/a> so much of our money will be directed at savings, investments, and renovations.<\/p>\n<p>I appreciate that you enjoy this budget update each month but I do hope you view this as an educational tool rather than\u00a0<a title=\"How we quit comparing financial\u00a0numbers\" href=\"https:\/\/canadianbudgetbinder.com\/2013\/06\/19\/how-we-quit-comparing-financial-numbers\/\" rel=\"noopener noreferrer follow\" data-wpel-link=\"internal\"><strong>comparing your financial numbers<\/strong>\u00a0<\/a>as our situations are all unique.<\/p>\n<p>Spending less than we earn and budgeting has been the easiest way for us to pay down debt and save money.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-143472 aligncenter\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Monthly-Budgeted-Amounts.webp\" alt=\"June-2020-Monthly-Budgeted-Amounts\" width=\"378\" height=\"544\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Monthly-Budgeted-Amounts.webp 378w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Monthly-Budgeted-Amounts-208x300.webp 208w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Monthly-Budgeted-Amounts-292x420.webp 292w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Monthly-Budgeted-Amounts-150x216.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Monthly-Budgeted-Amounts-300x432.webp 300w\" sizes=\"auto, (max-width: 378px) 100vw, 378px\" \/><\/p>\n<h2>Monthly Home Budget Actual Expenses<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-143469 aligncenter\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Actual-Monthly-Budget.webp\" alt=\"June-2020-Actual-Monthly-Budget\" width=\"378\" height=\"544\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Actual-Monthly-Budget.webp 378w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Actual-Monthly-Budget-208x300.webp 208w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Actual-Monthly-Budget-292x420.webp 292w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Actual-Monthly-Budget-150x216.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2020\/07\/June-2020-Actual-Monthly-Budget-300x432.webp 300w\" sizes=\"auto, (max-width: 378px) 100vw, 378px\" \/><\/p>\n<h2>CBB Home Budget Updates Month By Month<\/h2>\n<p title=\"December 2013 budget update\">Just in case you missed our budget updates from 2012- present I\u2019ve compiled them all on one handy page: <a href=\"https:\/\/canadianbudgetbinder.com\/free-tools\/monthly-budgets-budget-highlights\/\" rel=\"noopener noreferrer follow\" data-wpel-link=\"internal\"><strong>monthly budgets<\/strong><\/a>.<\/p>\n<h2 title=\"December 2013 budget update\">2020 Home Budget Challenge<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-142670\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/01\/2020-CBB-Budget-Challenge-2.webp\" alt=\"2020-CBB-Budget-Challenge-2\" width=\"735\" height=\"617\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/01\/2020-CBB-Budget-Challenge-2.webp 735w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/01\/2020-CBB-Budget-Challenge-2-300x252.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/01\/2020-CBB-Budget-Challenge-2-500x420.webp 500w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/01\/2020-CBB-Budget-Challenge-2-150x126.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/01\/2020-CBB-Budget-Challenge-2-696x584.webp 696w\" sizes=\"auto, (max-width: 735px) 100vw, 735px\" \/><\/p>\n<p><strong>June Update: We are still 2 players in for the Budget Challenge 2020. <\/strong><\/p>\n<p>We are almost half-way through the year with two challengers hanging on successfully.<\/p>\n<p>Let&#8217;s have a look at what happened with their budgets in June.<\/p>\n<h2>Budget Challenger #1<\/h2>\n<p>This month I tackled the second part of the annual whisking away of our various savings balances into GICs.<\/p>\n<p>Concern over the economy gave rise to a roller coaster ride of emotions while I was trying to decide how long to invest our funds.<\/p>\n<p>I finally decided on a redeemable GIC.<\/p>\n<p>Hubby was on board with my decision.<\/p>\n<p>By the way, hubby has postponed his vehicle purchase until the fall.<\/p>\n<p>He\u2019s looking for a really good deal and expects to have no trouble negotiating one when the new models are coming in and they still have the previous year\u2019s stock sitting on the lot.<\/p>\n<p>Back in March I took $500 cash out of the bank just in case we needed cash and the banks were closed.<\/p>\n<p>A few of our local branches have temporarily closed due to the pandemic but since many places won\u2019t accept cash right now I put most of the funds back in the bank.<\/p>\n<p>I kept out $100 so that when hubby needs $20, I have it to give him and he doesn\u2019t have to go near a bank.<\/p>\n<p>Staying out of the stores is proving to be a <strong>VERY<\/strong> good thing as Martha Stewart would say.<\/p>\n<p>This month I focused our grocery shop around fresh items tomatoes, cucumbers, yellow onions, bananas and we splurged on a quarter of a seedless watermelon for $1.79!<\/p>\n<p>Our protein purchases were devilled egg platters and lots of \u201c<strong>on-sale<\/strong>\u201d cans of refried beans with green chilies. \u00a0Yum!<\/p>\n<p>Once again, our property taxes are paid for another year. Woo hoo!<\/p>\n<p>It feels good to have a hurdle in the rearview mirror.<\/p>\n<p>Now it\u2019s time to save our little hearts out towards the house &amp; travel insurance renewals in <strong>November <\/strong>and the BCAA membership renewal &amp; timeshare condo fees and taxes in <strong>December<\/strong>.<\/p>\n<p>There\u2019s always some huge bill to save for<\/p>\n<h2>Budget Challenger #2<\/h2>\n<p>Hi Mr. CBB and all, Happy Belated Canada Day!<br \/>\n<strong>June spending:<\/strong><\/p>\n<ul>\n<li><strong>Transportation 15.81%<\/strong><\/li>\n<li><strong>Life 33.60%<\/strong><\/li>\n<li><strong>Short term savings 10.64%<\/strong><\/li>\n<li><strong>Household 2.24%<\/strong><\/li>\n<li><strong>Debt &#8211; 0%<\/strong><\/li>\n<\/ul>\n<p>Transportation is higher than it has been over the last few months, but where I am still working from home it\u2019s still not bad.<\/p>\n<p>I got a discount of 10% a month from my insurance company, but the real savings is coming from not driving often &#8211; fewer gas fillups and fewer maintenance costs!<\/p>\n<p>There was an issue with my car that I got a \u2018bandaid repair\u2019 for, but I will have to have it fixed for the inspection which is in November.<\/p>\n<p>The life category was also higher than usual. I didn\u2019t spend as much on groceries, but bought take out for myself and some friends twice which ate into my budget &#8211; but it was so good (my favourite restaurant has been closed down since the start of COVID so I did have to splurge when it reopened!).<\/p>\n<p>We also had our yearly checkup for the cats at the vet.<\/p>\n<p>Taking them at the same time save 10% &#8211; but they are healthy (yet too fat) so I can\u2019t complain too much.<\/p>\n<p>I also bought a game to go with my birthday gift my boyfriend bought me (Nintendo switch) so that was a fun overspend<\/p>\n<p>There was also an unexpected health issue that added to my bills.<\/p>\n<p>The other night I woke and my neck was completely locked and I had to go to the hospital.<\/p>\n<p>Thank god for free medical care, and my medical plan at work. Most of my meds and the physio have been covered, about $40 out of pocket so far.<\/p>\n<p>But seriously, if any nurses are reading this, kudos to you.<\/p>\n<p>While in emerg I heard someone talking about his suicide attempt, the police explaining a \u2018police protection\u2019 situation and then they had me, the blubbering mess who was scared her neck was going to break when they tried to turn it for the exam.<\/p>\n<p>I can\u2019t imagine the emotion-filled stories\/cases you experience.<\/p>\n<p>I\u2019m pretty sure my neck injury is from a bad ergonomic setup at home, I\u2019ve tried a few different ways but without having a real office, it\u2019s just not doable.<\/p>\n<p>I\u2019m looking forward to being back at work soon, we\u2019re predicting mid-July.<\/p>\n<p>Due to COVID, I\u2019ve seen my bills drop drastically, and a lot of my stress is gone, though the stress of trying to do a job better suited for in-person, through phone and email, presents its stresses!<\/p>\n<p>The remaining percentage of money not spent will be shifted into savings as well when I get into the bank.<\/p>\n<p>I will probably half it &#8211; half to our long-term savings and half put aside for the car expenses I&#8217;m estimating for November.<\/p>\n<p>Hope everyone had a good Canada Day and is taking care of their mental health through all the craziness!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Celebrate Milestones By Documenting Your Debt Success Not everyone thrives on the success of paying their bills however for those of you who do a monthly debt review will keep you inspired. Knowing your debt numbers is more about understanding how well you are managing your money. Are you paying your debt off in a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":143474,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"disable-jtr":false,"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[613,703],"tags":[13794,13795,13796,13797,12411,13798,13799],"class_list":{"0":"post-43461","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-all-about-budgets","8":"category-our-family-budget","9":"tag-debt-review","10":"tag-debt-review-budget-binder-printable","11":"tag-debt-review-report","12":"tag-debt-review-tracker","13":"tag-debt-trap","14":"tag-free-budget-binder-printables","15":"tag-monthly-debt-review"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Importance Of A Documented Monthly Debt Review (Free Budget Binder Printable) : June 2020 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