Thursday 5 April 2012

Expenditure Tracker - March 2012

Like February 2012, March was a terrible month for keeping up with my expenditure goals for the year. My personal expenditure was too high which meant that the amounts I could allocate to my different savings plans were too low.

A summary of my expenditure for the month is shown below:


  • Share investments: $16,291 ($12,911 over)

  • Home loan offset account: -$13,149 (14,749 under)

  • Personal expenditure: $4,700 ($3,200 over)

On a cumulative basis (January - March 2012) the accounts are as follows



  • Share investments: $22,416 ($12,516 over)

  • Home loan offset account: -$10,523 ($15,352.78 under)

  • Personal expenditure: $10,151 ($5,651 over)

The big redistribution into shares was from the QBE SPP which I have posted above previously and I do not expect to receive my full allocation so there will be a flow back into my home loan offset account in the next month. The rest of the under investment in the home loan offset account is explained by the over expenditure once again.


Next month will be particularly bad for personal expenditure as my credit card bill is very high and I have to pay for some airline tickets as I have booked a holiday for the end of the year. I'm trying to work out ways to increase my income. I will post any ideas or strategies that I have and the results from them.

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