{"id":99778,"date":"2021-11-11T09:46:40","date_gmt":"2021-11-11T14:46:40","guid":{"rendered":"https:\/\/canadianbudgetbinder.com\/?p=99778"},"modified":"2024-12-22T07:52:25","modified_gmt":"2024-12-22T07:52:25","slug":"join-the-2022-budget-challenge-october-2021-budget-update","status":"publish","type":"post","link":"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/2021\/11\/11\/join-the-2022-budget-challenge-october-2021-budget-update\/","title":{"rendered":"Join The 2022 Budget Challenge: October 2021 Budget Update"},"content":{"rendered":"\n<p>If you want budget motivation, ideas, community help and are committed to 12 months of budgeting, join us for our <strong>2022 Budget Challenge<\/strong>.<\/p>\n\n\n\n<p>This will be our third annual, monthly budget challenge, and I&#8217;m dedicating it to Mary. You would have heard of Mary if you&#8217;ve been on my Facebook page or read blog posts. <\/p>\n\n\n\n<p>She was a shining star on Canadian Budget Binder ever since I hit publish on my first blog post in 2012. <\/p>\n\n\n\n<p>Passion for finding ways to save money and stick to their monthly budget and investing was her hobby. <\/p>\n\n\n\n<p>The best part was that her husband joined in and helped Mary keep their budget on track. <\/p>\n\n\n\n<p>I&#8217;m not sure, but I think he even had an allowance as I do because she gave me the idea. <\/p>\n\n\n\n<p>May she rest in peace however I&#8217;m sure she&#8217;s watching over us. I know those of you who know here can hear certain things she would say and smile. We do.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Challenges Help Make Changes For Life<\/h3>\n\n\n\n<p>So, the 2022 Budget Challenge Is for all challengers to <strong>change how they view, spend and save money<\/strong>. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Change how you view money and understand that once it&#8217;s gone, it&#8217;s gone.<\/strong><\/li>\n\n\n\n<li><strong>Spending money you don&#8217;t have will cause a debt disaster. Work on spending ONLY what your budget allows.<\/strong><\/li>\n\n\n\n<li><strong>Save more money that you have ever saved before while paying off your debts and not creating more debt.<\/strong><\/li>\n<\/ul>\n\n\n\n<p>No More Excuses about creating debt and spending outside of your budget. Find what you don&#8217;t need to spend money on and get rid of it. <\/p>\n\n\n\n<p>For example we <a href=\"https:\/\/canadianbudgetbinder.com\/2021\/03\/23\/why-we-cancelled-our-rogers-canada-home-phone\/\"><strong>cut our home phone<\/strong> <\/a>and our <strong><a href=\"https:\/\/canadianbudgetbinder.com\/2021\/06\/17\/18-crazy-things-we-do-as-extreme-savers\/\">cable <\/a><\/strong>and don&#8217;t miss it one bit. <\/p>\n\n\n\n<p>I got set up with <strong><a href=\"https:\/\/canadianbudgetbinder.com\/2020\/09\/03\/freedom-mobile-review-why-i-chose-freedom-as-my-first-mobile-carrier\/\">Freedom Mobile and pay 21.99 for 2gb of Data<\/a><\/strong> every month. Far less than the home phone ever was with Rogers.<\/p>\n\n\n\n<p>With the mobile phone that I acquired from Mrs. CBB I find it easier to blog,<strong><a href=\"https:\/\/canadianbudgetbinder.com\/2021\/08\/03\/top-4-canadas-virtual-online-banks\/\"> bank<\/a><\/strong>, use<a href=\"https:\/\/canadianbudgetbinder.com\/canadian-savings-deals-coupons-codes-freebies\"> <strong>savings<\/strong> <strong>apps<\/strong><\/a><strong>,<\/strong> finish surveys for cash etc. <\/p>\n\n\n\n<p>I can earn money while I&#8217;m waiting for a meeting or sitting at the doctors office. Isn&#8217;t that crazy?<\/p>\n\n\n\n<p>My favourite savings app by far is <strong><a href=\"https:\/\/canadianbudgetbinder.com\/2020\/11\/17\/review-rakuten-canada-is-a-must-have-cash-back-app\/\">Rakuten<\/a><\/strong> and we really do like the big, fat cheques they send us. <\/p>\n\n\n\n<p>I never thought I&#8217;d be into a mobile phone the way that I am especially to order from Home Depot, Canadian Tire and almost all the store I shop at. <\/p>\n\n\n\n<p>No more home phone for us.<\/p>\n\n\n\n<p>Lastly before we get into today&#8217;s blog post I wanted to say that Mary would be proud of all 2022 Budget Challenge participants as she was for the 2021 gang. <\/p>\n\n\n\n<p>Today, I want to talk about the 2022 Budget Challenge and what we&#8217;ve learned over the past two years. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Motivation For Success Works When You&#8217;re Challenged<\/h2>\n\n\n\n<p>When I started this budget challenge, I was so excited to see many people sign up.<\/p>\n\n\n\n<p>Over the year, many of them quit the budget challenge with an excuse. <\/p>\n\n\n\n<p>Finance is not something you stop doing because it&#8217;s a BIG part of your life. <\/p>\n\n\n\n<p>Even if you miss even one month of the budget challenge, you&#8217;re out of the challenge. <\/p>\n\n\n\n<p>The challenge is to visit your budget daily and not on the last day of the month where you are scrambling to send me your information. <\/p>\n\n\n\n<p>This challenge is strict and meant to motivate you to never give up on yourself. I&#8217;m trying to show you how important a budget is why you need to keep on top of your finances. <\/p>\n\n\n\n<p>We still budgeted when we had funerals to attend, one to arrange, and other family member issues.<\/p>\n\n\n\n<p>If you have a severe problem with no possible way to budget, please let me know.  <\/p>\n\n\n\n<p>Your budget will be the most important financial document to help get you through any time something happens. <\/p>\n\n\n\n<p>You are spending more money than you have to should not happen, especially if you have emergency savings and projected expenses.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/canadianbudgetbinder.com\/2012\/08\/23\/budget-step-10-projected-expenses\/\">Projected expenses <\/a><\/strong>start at the beginning of the year, so read up if you want to add them to your budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2022 Budget Challenge Rules <\/h2>\n\n\n\n<p>The rules for the budget challenges have not changed since it began. <\/p>\n\n\n\n<p>All I ask is that you have your budget sent to me on time. <\/p>\n\n\n\n<p>I will send each participant a date to have it emailed to me, which is typically the second week of each month. <\/p>\n\n\n\n<p>The monthly budget update for our family goes up simultaneously as the challenge on the Thursday of the second week. <\/p>\n\n\n\n<p>I also ask if you can type your budget in a word document only or an email. Do not use bullet points or unique fonts or sizes. <\/p>\n\n\n\n<p>The reason for this is that I have to go back and change it all because that&#8217;s not what I use on the blog. <\/p>\n\n\n\n<p>Times New Roman is what I do use and size 18.<\/p>\n\n\n\n<p>Do not send me a Pdf document, and if you send me, photos attach them to your email as a jpeg. <\/p>\n\n\n\n<p>If at all possible, please reread what you&#8217;ve written and checked for errors or grammatical errors. <\/p>\n\n\n\n<p>Do not start a sentence with the same word, one after another. <\/p>\n\n\n\n<p>Please make sure it is complete when you write a sentence, so I don&#8217;t have to guess what you mean. <\/p>\n\n\n\n<p>I will run each entry through Grammarly to check for errors or ways to improve a sentence for everyone.<\/p>\n\n\n\n<p>Honestly, I was shocked at the errors I made and missed in my past and current blog posts. <\/p>\n\n\n\n<p>The idea of the write-up you sent me is to share your budget numbers, where you went wrong, any success you had etc. <\/p>\n\n\n\n<p>If you screw it up, own it and move on for the next month. <\/p>\n\n\n\n<p>Set time aside to do your budget as I&#8217;ve had so many people drop out that it worries me. <\/p>\n\n\n\n<p>Make budgeting a part of everyday living and kick debt to the curb. <\/p>\n\n\n\n<p>If you have any questions, ask me when you contact me to sign up. <\/p>\n\n\n\n<p>MR.CBB<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"604\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/2022-Budget-Challenge-Rules-Canadian-Budget-Binder-720x604-8.webp\" alt=\"2022 budget challenge CBB\" class=\"wp-image-141529\" style=\"width:779px;height:auto\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/2022-Budget-Challenge-Rules-Canadian-Budget-Binder-720x604-8.webp 720w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/2022-Budget-Challenge-Rules-Canadian-Budget-Binder-720x604-8-300x252.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/2022-Budget-Challenge-Rules-Canadian-Budget-Binder-720x604-8-501x420.webp 501w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/2022-Budget-Challenge-Rules-Canadian-Budget-Binder-720x604-8-150x126.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/2022-Budget-Challenge-Rules-Canadian-Budget-Binder-720x604-8-696x584.webp 696w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><figcaption class=\"wp-element-caption\">Rules For The 2022 Budget Challenge on Canadian Budget Binder<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">CBB Family Income Report<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"354\" height=\"171\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Month-Income-and-Expenses.webp\" alt=\"Canadian Budget Binder October 2021 Monthly Budget Update Income report\" class=\"wp-image-141536\" style=\"aspect-ratio:2.07719298245614;width:779px;height:auto\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Month-Income-and-Expenses.webp 354w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Month-Income-and-Expenses-300x145.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Month-Income-and-Expenses-150x72.webp 150w\" sizes=\"auto, (max-width: 354px) 100vw, 354px\" \/><figcaption class=\"wp-element-caption\"><strong>October 21 Actual Budget Figures<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<p><strong>Where Did The Money Go In October?<\/strong><\/p>\n\n\n\n<p> One of the happiest moments for anyone who uses a budget is when you come in under budget. <\/p>\n\n\n\n<p>In October, we came in under budget, and we are so proud of our accomplishment as it&#8217;s been a rough year for us.<\/p>\n\n\n\n<p>However, we still could have done better, but as we begin to create our January 2022 budget, we can look back and see the areas that need better maintenance. <\/p>\n\n\n\n<p>As you can see below, we went over budget in the grocery category by $200 because of Thanksgiving and Halloween. <\/p>\n\n\n\n<p>I&#8217;ll be addressing that today because it was something that we did not account for in our grocery budget. <\/p>\n\n\n\n<p>Also, going to Costco does boost how much money you spend in most budget categories. <\/p>\n\n\n\n<p>I&#8217;ll discuss that and how we plan to get in and get out in 2022 without more than we bargained. <\/p>\n\n\n\n<p>Lastly, in October, we bought Christmas gifts for five people, which we saved as projected expenses.<\/p>\n\n\n\n<p>I can&#8217;t believe Christmas shopping is almost complete for our family. I&#8217;m the official gift wrapper as Mrs. CBB is horrific at wrapping. She&#8217;ll agree to it. <\/p>\n\n\n\n<p>We will also be planning our Christmas dinners because last year we spent WAY too much on food. <\/p>\n\n\n\n<p>We follow the <strong><a href=\"https:\/\/icalendars.net\/religion\/catholicism\/\" target=\"_blank\" rel=\"noreferrer noopener\">Catholic observations <\/a><\/strong>for the holidays throughout the year. <\/p>\n\n\n\n<p>There will be a fish dinner on Friday, Christmas breakfast, and dinner and New Years&#8217; food.<\/p>\n\n\n\n<p>Another thing we plan to do in 2022 is to track what we sell for the year. <\/p>\n\n\n\n<p>I&#8217;ll talk about that in another post because I&#8217;ll be including another free budget binder printable. <\/p>\n\n\n\n<p>Have a great November. <\/p>\n\n\n\n<p>Mr.CBB <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Family Budget Percentages October <\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"385\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Household-Percentages-720x385-1.webp\" alt=\"Household Budget Expenses October 2021\" class=\"wp-image-141534\" style=\"width:779px;height:auto\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Household-Percentages-720x385-1.webp 720w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Household-Percentages-720x385-1-300x160.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Household-Percentages-720x385-1-150x80.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Household-Percentages-720x385-1-696x372.webp 696w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><figcaption class=\"wp-element-caption\"><strong>Household Budget Expenses October 2021<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<p>Our&nbsp;<strong>savings of&nbsp;<\/strong>include investments as well as any savings for this month based on the&nbsp;<strong>net income<\/strong>&nbsp;of&nbsp;<strong>$11,047.53<\/strong><\/p>\n\n\n\n<p>Equally important is that we save money on our&nbsp;<a href=\"https:\/\/canadianbudgetbinder.com\/2012\/08\/23\/budget-step-10-projected-expenses\/\"><strong>projected expenses<\/strong><\/a>&nbsp;for upcoming expenses in the coming months, such as&nbsp;<strong><a href=\"https:\/\/canadianbudgetbinder.com\/2020\/11\/10\/how-to-set-up-a-christmas-budget-planner-4-free-budget-binder-printables\/\">Christmas<\/a><\/strong>.<\/p>\n\n\n\n<p>All of the categories took&nbsp;<strong>100% of our income<\/strong>&nbsp;which shows that we accounted for&nbsp;<strong>October 2021.<\/strong><\/p>\n\n\n\n<p>This<strong>&nbsp;type of budget<\/strong>&nbsp;is our favourite and is called a&nbsp;<a href=\"https:\/\/canadianbudgetbinder.com\/2018\/11\/08\/how-to-make-a-zero-based-budget\/\"><strong>zero-based budget<\/strong><\/a>,&nbsp;where all the money has a home.<\/p>\n\n\n\n<p>If you&#8217;re interested in using the same budget, we are I&#8217;d read about the zero-based budget. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Monthly Home Budget Expenses<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"354\" height=\"171\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Month-Income-and-Expenses-1.webp\" alt=\"budget income and expenses\" class=\"wp-image-141535\" style=\"aspect-ratio:2.0775193798449614;width:779px;height:auto\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Month-Income-and-Expenses-1.webp 354w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Month-Income-and-Expenses-1-300x145.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Month-Income-and-Expenses-1-150x72.webp 150w\" sizes=\"auto, (max-width: 354px) 100vw, 354px\" \/><figcaption class=\"wp-element-caption\"><strong>October Budget and Income Expenses<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<p>Below is a breakdown of our expenses which helps us to understand where all of our money goes.<\/p>\n\n\n\n<ul id=\"yiv4641900848yui_3_13_0_1_1399210834866_50104\" class=\"wp-block-list\">\n<li><strong>Chequing<\/strong>\u2013 This is the\u00a0<strong>bank account<\/strong>\u00a0where all of our debt gets paid from. We use\u00a0<strong>Simplii Financial, TD Canada Trust, and\u00a0Tangerine Bank.<\/strong>\u00a0<strong><a href=\"https:\/\/mbsy.co\/3lm29S\" target=\"_blank\" rel=\"noreferrer noopener\">Join Simplii Financial today!\u00a0<\/a><\/strong>\u00a0Read more about some of the best Canadian\u00a0<strong><a href=\"https:\/\/canadianbudgetbinder.com\/2021\/08\/03\/top-4-canadas-virtual-online-banks\/\">online virtual banks<\/a><\/strong>.<\/li>\n\n\n\n<li><a href=\"https:\/\/canadianbudgetbinder.com\/2012\/03\/03\/emergency-savings-fund-in-canada-how-much-why\/\"><strong>Emergency Savings Account<\/strong><\/a>\u2013 This is a high-interest savings account.<\/li>\n\n\n\n<li><strong>Regular Savings Account<\/strong>\u2013 This is a savings account that holds our projected expenses.<\/li>\n\n\n\n<li><strong>Monthly Budgeted Total<\/strong>:<strong>\u00a0$<\/strong>6570.80<\/li>\n\n\n\n<li><a href=\"https:\/\/canadianbudgetbinder.com\/2019\/09\/19\/how-many-income-streams-should-i-have-net-worth-update-august-2019-0-03\/\"><strong>Monthly<\/strong>\u00a0<\/a><strong>Net Income\u00a0Total<\/strong>:<strong>\u00a0$<\/strong>11,047.53<\/li>\n\n\n\n<li><strong>(Check out our\u00a0<\/strong><a href=\"https:\/\/canadianbudgetbinder.com\/free-tools\/ultimate-grocery-shopping-guide\/\"><strong>Ultimate Grocery Guide<\/strong><\/a><strong>\u00a0to see where our grocery money goes)<\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/canadianbudgetbinder.com\/2012\/08\/23\/budget-step-10-projected-expenses\/\">Projected Expenses<\/a>:<\/strong>\u00a0These are expenses we know we will pay for throughout the year =\u00a0<strong>$<\/strong>852.91<\/li>\n\n\n\n<li><strong>Total Expenses Paid Out: $<\/strong>6247.18<\/li>\n\n\n\n<li><strong>Total Expenses Paid Out:<\/strong>\u00a0Calculated is\u00a0<strong>$<\/strong>11,047.53 (total net monthly income) \u2013\u00a0<strong>$<\/strong>852.91 (projected expenses) \u2013\u00a0<strong>$\u00a0<\/strong>3947.44 (Savings to emergency fund) =\u00a0<strong>$<\/strong>11,047.53<\/li>\n\n\n\n<li><strong>Actual Cash Savings going into Emergency Savings<\/strong>: Calculated is\u00a0<strong>$ 11,047.53\u00a0<\/strong>(total monthly net income) \u2013\u00a0<strong>$6247.18\u00a0<\/strong>(actual expenses paid out for the month) \u2013\u00a0<strong>$<\/strong>852.91 (projected expenses) =\u00a0<strong>$<\/strong>3947.44<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Estimated Budget And Actual Budget<\/h2>\n\n\n\n<p>Below you will see two tables:&nbsp;<strong>our monthly budget<\/strong>&nbsp;and the other is&nbsp;<strong>our actual budget.<\/strong><\/p>\n\n\n\n<p>This budget represents&nbsp;<strong>two adults and our  7-year-old son.<\/strong><\/p>\n\n\n\n<p><strong>Budget Colour Key: If highlighted in blue, that means it is a&nbsp;<a href=\"https:\/\/canadianbudgetbinder.com\/2019\/12\/19\/yearly-projected-expense-tracker-is-an-essential-budget-tool-free-printable-net-worth-update-nov-2019-1-57\/\">projected expense<\/a>. &nbsp;&nbsp;<\/strong><\/p>\n\n\n\n<p>Since&nbsp;<strong>May 2014,<\/strong>&nbsp;we&#8217;ve been&nbsp;<strong><a href=\"https:\/\/canadianbudgetbinder.com\/2014\/05\/12\/mortgage-free-in-5-years\/\">mortgage-free<\/a><\/strong> and redirecting our money to investments and renovations.<\/p>\n\n\n\n<p>When creating your monthly budget, try to eliminate the feeling of <a href=\"https:\/\/canadianbudgetbinder.com\/2013\/06\/19\/how-we-quit-comparing-financial-numbers\/\"><strong>comparing your financial numbers<\/strong>&nbsp;<\/a>as every situation is unique.<\/p>\n\n\n\n<p><strong>Spending less than we earn<\/strong>&nbsp;and&nbsp;<strong><a href=\"https:\/\/canadianbudgetbinder.com\/10-step-mini-budgeting-series\/\">budgeting<\/a><\/strong>&nbsp;has been the easiest way to&nbsp;<a href=\"https:\/\/canadianbudgetbinder.com\/2018\/09\/13\/budgeting-process-pay-off-debt\/\"><strong>pay down debt and save money<\/strong><\/a>.<\/p>\n\n\n\n<p>One last thing, situations change, and sometimes we spend less, or we spend more. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Monthly Budgeted Amounts October 2021<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"378\" height=\"561\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Monthly-Budgeted-Amounts.webp\" alt=\"October 2021 Budget estimates of what we hope to spend. \" class=\"wp-image-141537\" style=\"width:466px;height:692px\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Monthly-Budgeted-Amounts.webp 378w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Monthly-Budgeted-Amounts-202x300.webp 202w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Monthly-Budgeted-Amounts-283x420.webp 283w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Monthly-Budgeted-Amounts-150x223.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Monthly-Budgeted-Amounts-300x445.webp 300w\" sizes=\"auto, (max-width: 378px) 100vw, 378px\" \/><figcaption class=\"wp-element-caption\">October Budgeted Numbers 2021 &#8211; What we hope to spend<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Actual October 2021 Budget Results<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"378\" height=\"561\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Actual-Monthly-Budget.webp\" alt=\"What we actually spend in each budget category for October 2021. We came in under budget. \" class=\"wp-image-141531\" style=\"width:491px;height:729px\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Actual-Monthly-Budget.webp 378w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Actual-Monthly-Budget-202x300.webp 202w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Actual-Monthly-Budget-283x420.webp 283w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Actual-Monthly-Budget-150x223.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Actual-Monthly-Budget-300x445.webp 300w\" sizes=\"auto, (max-width: 378px) 100vw, 378px\" \/><figcaption class=\"wp-element-caption\">Actual October 2021 Budget Expenses<\/figcaption><\/figure>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/CBB-2021-Budget-Challenge-2.webp\" alt=\"Canadian Budget Binder 2021 Budget Challenge \" class=\"wp-image-141530\" style=\"width:610px;height:511px\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/CBB-2021-Budget-Challenge-2.webp 940w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/CBB-2021-Budget-Challenge-2-300x251.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/CBB-2021-Budget-Challenge-2-768x644.webp 768w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/CBB-2021-Budget-Challenge-2-501x420.webp 501w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/CBB-2021-Budget-Challenge-2-150x126.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/CBB-2021-Budget-Challenge-2-696x583.webp 696w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><figcaption class=\"wp-element-caption\"><strong>Canadian Budget Binder 2021 Budget Challenge <\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<p>We are now down to the last two months of 2021, and I want to prepare for 2022. <\/p>\n\n\n\n<p>If you would like to participate in the 2022 Monthly Budget Challenge, please message me through the contact form on the blog or email me at canadianbudgetbinder@yahoo.ca. <\/p>\n\n\n\n<p>We started with high numbers at the beginning of 2021 and are down to three people still in the challenge.<\/p>\n\n\n\n<p>I&#8217;m so proud of them, and I know if Mary were still with us, we&#8217;d have a fourth participant as she never missed a month. <\/p>\n\n\n\n<p>Would you mind sharing this post with your friends or telling them about it? My budgets are free for subscribers, and so is the help from myself and other readers. <\/p>\n\n\n\n<p>This is a family blog where we all come together to share experiences, failures.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Budget Challenger #4<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"960\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-e1636633685459-720x960-1.webp\" alt=\"Nov 2021 Budget Challenge\" class=\"wp-image-141533\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-e1636633685459-720x960-1.webp 720w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-e1636633685459-720x960-1-225x300.webp 225w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-e1636633685459-720x960-1-315x420.webp 315w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-e1636633685459-720x960-1-150x200.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-e1636633685459-720x960-1-300x400.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-e1636633685459-720x960-1-696x928.webp 696w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><figcaption class=\"wp-element-caption\">Monthly Budget Challenge 2021 <\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"540\" src=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-2-720x540-1.webp\" alt=\"October-2021-Budget-Monthly-Challenge-2-720x540\" class=\"wp-image-141532\" srcset=\"https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-2-720x540-1.webp 720w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-2-720x540-1-300x225.webp 300w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-2-720x540-1-560x420.webp 560w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-2-720x540-1-80x60.webp 80w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-2-720x540-1-150x113.webp 150w, https:\/\/digitalskyweb.co\/canadianbudgetbinder.com\/wp-content\/uploads\/2021\/11\/October-2021-Budget-Monthly-Challenge-2-720x540-1-696x522.webp 696w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/figure>\n\n\n\n<p>October was interesting.&nbsp; <\/p>\n\n\n\n<p>My son is still trying to get a job, and my daughter is living with us now. <\/p>\n\n\n\n<p>It&#8217;s excellent; however, I need to adjust my budget and get more overtime at work.<\/p>\n\n\n\n<p>We had Thanksgiving and celebrated my son&#8217;s birthday in October, which added extra costs. <\/p>\n\n\n\n<p>I sold my tires from a previous car for 100 dollars, got paid 3x this month, SGI rebate 31.40 dollars and Sarcan 3.40 dollars. <\/p>\n\n\n\n<p>I&#8217;m back into playing lottos and Pok\u00e9mon.&nbsp; <\/p>\n\n\n\n<p>I went over on gas by 80 dollars, groceries by 250 and takeout by 120 dollars.&nbsp;<\/p>\n\n\n\n<p>I&#8217;m working on adjusting our monthly budget for November to account for my daughter living with us. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Budget Challenger #2<\/h2>\n\n\n\n<p>Good morning all,<br><br>I&#8217;ve been with my money lately with how lousy I&#8217;ve tried to be a bit smarter. <\/p>\n\n\n\n<p>In September, I had what I think is my first <strong>non-sufficient fund&#8217;s charg<\/strong>e, and guess what, I did it again!\\<\/p>\n\n\n\n<p>It&#8217;s frustrating because I have the money to pay it, but I honestly thought I had more money available in my account.<\/p>\n\n\n\n<p>I had a notification set to let me know if I dipped below $100, but I guess it doesn&#8217;t count pending charges which I thought it did, so I went over it again. <\/p>\n\n\n\n<p>Typically I pay my credit card bill once a month, but now I&#8217;m going to try to pop into it any time I make a large purchase.<br><br>Speaking of large purchases, I got my pay from a side job I do. I only get paid twice a year, and it&#8217;s not a huge amount, but I get $1000 each pay. <\/p>\n\n\n\n<p>It is to go towards professional development for my industry, but we can spend it how we see fit. So I put $182.85 towards a virtual conference and $150 towards supporting a charity to win a home lottery.<\/p>\n\n\n\n<p> I&#8217;m sure I&#8217;d never win, but I know someone who won a car through it a few years ago, so you never know if you don&#8217;t try. The rest of the pay is going into savings.<br><br>Since I have been wrong with money lately, I did an inventory of what was in the house and bought minimal groceries this month ($160 worth)<\/p>\n\n\n\n<p>I tried to focus on using canned items and things getting pushed to the back of the fridge and freezer.<\/p>\n\n\n\n<p>Also, I only spent $65 on fast food, which is fantastic for me, especially where I travelled this month. Though the trip hurt my wallet, I paid $175 for gas.<br><br>I had planned to get tires in October but decided to hold off until November. <\/p>\n\n\n\n<p>Doing so was probably a wrong decision since I also have land tax and car registry due. <\/p>\n\n\n\n<p>Oh well, I can&#8217;t win them all!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Budget Challenger #5<\/h2>\n\n\n\n<p> <strong>Hi Everyone,<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Month of October had an extra pay day but in the end it all still works out the same. Mind you I was able to make extra mortgage payment and extra SUV payment. That\u2019s a bonus.<\/li>\n\n\n\n<li>Purchased items to stage my home for selling. Shared the cost with daughter to take kids to a Van Gogh show in Saskatoon and supper (was not budgeted). So, this last-minute surprise put me over on budget amount for shopping. What an incredible viewing of his masterpieces. I purchased a winter jacket for me as I needed a new one. In total I spent over what I had budgeted for by -$100.00<\/li>\n\n\n\n<li>Groceries were over due to birthday celebration and another supper for my daughter that I did not budget -$98.13`<\/li>\n\n\n\n<li>Budgeted to swap out Spring\/summer to winter tires. I do store them at the tire shop. ($99.00)<\/li>\n\n\n\n<li>Dog needed grooming this month and this too was accounted for in my budget ($50.00)<\/li>\n\n\n\n<li>Entered November ahead <strong>$719.70<\/strong> If only I could take that money and apply to RBC LOC<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The End<\/h2>\n\n\n\n<p>Thanks for reading, and I will see you back in December for our November 2021 Budget and Budget Challenge Updates.<\/p>\n\n\n\n<p>Please comment below if you have any questions about the CBB budget update or the budget challenge members?<\/p>\n\n\n\n<p>Take care,<\/p>\n\n\n\n<p>Mr.CBB<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you want budget motivation, ideas, community help and are committed to 12 months of budgeting join us for our 2022 Budget 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