Estimated studying time: 18 minutes
Discover our October 2024 finances replace and see how we handle our bills. Get insights, suggestions, and our free finances binder that can assist you keep on observe.
Earlier than we start, the 2025 51-page Price range Binder is prepared for obtain!
Why I Share Our Month-to-month Price range
For anybody new to CBB, this briefly explains our month-to-month finances replace.
I sit up for placing this publish collectively because it lets us see the place we spend our cash.
A finances additionally acts as a diary in your bills so you may look again to see success and failure.
Our finances replace additionally lets readers know that we’re not excellent and should make adjustments like everybody else.
We use the instruments (Free finances Binder), and I hope you could have downloaded your free copy.
Alright, let’s get into this.
Percentages For Our October 2024 Price range
Our year-to-date proportion chart is one other solution to chart our family finances.
October 2024 Family Price range Percentages
Financial savings of 40.36% embrace investments and financial savings primarily based on our internet earnings.
Our life ratio is 32.67% and incorporates every part from groceries, leisure, miscellaneous gadgets, well being/magnificence, clothes, and so forth., all variable bills.
Transportation is 2.78%, which covers fuel, insurance coverage, and upkeep for our automobile, which is paid.
Our home and automobile are paid for, and now we have zero shopper debt; nonetheless, we nonetheless pay property taxes and upkeep charges.
The projected bills of 11.26% can change primarily based on what we encounter month-to-month, akin to a brand new merchandise we have to save for.
Jr. CBB’s 52-Week Financial savings Problem
Our son created a Moolah Jar label for his cash financial savings jar, which I assumed was humorous.
52-Week Financial savings Challenger Replace
As of October 2024, the yearly whole is $215 in savings, which implies he’s greater than 50% to satisfy his aim of $300.
Replace 52-Week Saving Problem Participant.
Under is the report from a CBB fan taking part within the year-long financial savings problem.
Hello there, TFSA Saver right here,
I had a quiet month however nonetheless managed to avoid wasting.
- Saved $40 utilizing PC factors redemption at Consumers
- Sally Magnificence had a $5 coupon for merchandise that I wanted.
- After hours, I discovered a $10 invoice on my stroll by way of a mall parking zone.
- On one other stroll, I discovered 5 cents.
- Lastly, I bought $10.00 price of clothes on a purchase/ promote FB group.
Whole: $65.05, which exceeds my month-to-month aim of $62.
Each month (besides for two) to this point, I’ve exceeded my aim.
I additionally LOVE your concept of protecting a document of partially used reward cards, as you talked about on the finish of final month (and including this web page to your Price range Binder). Nice concept.
Sustain the good work, motivating us readers.
Thanks!
October 2024 Price range Estimation and Precise Price range
Under are two tables: the October 2024 Price range and our Precise Price range.
Our October 2024 finances represents two adults and a 10-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 best solution to repay our debt and lower your expenses.
This sort of finances is a zero-based finances the place all the cash has a house.
Estimated October 2024 Price range
For October, the estimated finances was $8,179.33; of that, we used $7,984.03
We could not want all the cash we budgeted for in every class; nonetheless, keep in mind the quantity is barely an estimate from the earlier 12 months.
Don’t neglect to finances for projected bills as a result of your total month can fail resulting from not planning.
Precise October 2024 Price range
Present Canadian Banks We Use
October Price range 2024 Month To Month Replace
Between September and October 2024, we skilled a internet earnings improve of 10.68%.
What was good to see was our emergency financial savings account elevated by 54.75% although our precise bills additionally rose.
All the time count on to see adjustments from month to month, as that’s completely regular.
Breakdown Of Our October 2024 Price range Classes
Under are a few of our variable bills from October that I’ll focus on.
Clothes For Household
During the last two months, Mrs. CBB has been scuffling with ankle ache and has bought a pair of Clifton 9 HOKA trainers.
Two years in the past, she had a nasty fall and struggled with ankle ache on and off, and it was tough for her this time round.
Mrs. CBB additionally suffers from broad, flat toes and plantar fasciitis; she swears the Hoka footwear have made a large distinction.
The Clifton 9 footwear have a large toe field, so they’re roomy and supply premium consolation for anybody who spends lengthy hours on their toes.
She used a $15 credit score we had, plus the footwear had been on sale, together with Rakuten money again to low cost the worth.
One other buy was 8 pairs of compressed socks to assist stabilize the ankle.
We will get a prescription for two pairs of compression socks from the physician, and my advantages will cowl them.
On the following go to, she’s going to ask, as she forgot on the final appointment, to say it.
I’ve additionally been having knee ache, so I bought a pair of braces from Amazon.
They appear to be serving to, however I’ll discuss to our physician throughout my subsequent appointment in February.
I’m getting outdated and feeling it, though my mum had issues with each of her knees.
Birthday Bills
It was Mrs. CBB’s birthday in October, and he or she wished an ice machine, in order that’s what she bought.
I discovered an Ecozy ice machine on Amazon that was on sale for $110, and it sits on our counter subsequent to the dehydrator.
It really works nice, though I’ll must design severe storage with all of the kitchen devices once we rework the kitchen.
Our son went to a birthday celebration in October, and we purchased a card on the Greenback retailer and put $40 inside for him to place in the direction of scooter equipment.
Usually, we put in $25 money, however that is his good pal, so we gave him a bit extra to assist him in the direction of his aim.
Gasoline (Petrol)
As winter arrives, you’ll see our fuel finances improve as I fill two giant fuel cans.
Usually, I’d pop into Costco to get fuel early earlier than work, however I’d keep away from it within the winter when potential.
Well being and Magnificence
Going to Costco at all times will increase our well being and wonder class as we top off on bathroom paper, paper towels, child wipes, cloth softener, and nutritional vitamins.
Should you learn my month-to-month publication, you’ll know that Mrs. CBB is anemic, and her physician had her attempt totally different iron tablets.
Effectively, they’re NOT low-cost. One bottle was $78, and the opposite was $58 at Consumers Drugmart.
Sadly, nothing is working, so she is scheduled for iron infusions subsequent month, which we’ll discover out quickly what portion we pay for.
Grocery Price range October 2024 Price range
Our month-to-month grocery finances is $900 plus a $25 stockpile finances; we spent $1242.65 in October.
Yow will discover all the net groceries we buy within the CBB Amazon Storefront.
Youngsters
Under are some bills that we paid for our son in October.
Our Flashfood Orders October 2024
Up to now in 2024, the Flashfood App has saved our household almost $1000!
Under is the one Flashfood order we picked up in October. I’m uncertain why, however the display was shifted, and I couldn’t transfer it, so it’s minimize off.
The merchandise are all deli meats, which we freeze and defrost as wanted.
We’ll proceed to make use of Flashfood as we save a lot cash, so please think about signing up utilizing my affiliate code under.
As I do, you get $5 free once you place your first order. It’s a win-win for each of us.
Each one who indicators up will get a $5 credit score, a freebie Flashfood provides for brand spanking new app clients.
Additionally, Flashfood has added a small service price to each order, which I really feel is suitable.
Use my referral code, MOCD28ZN4, for a $5 credit score.
Your first buy have to be over $15.
Up to now, in 2024, we’ve saved $925.15, which is unimaginable.
House Upkeep
Most of what was bought for the house had been instruments, water softener salt, 3-pack furnace filters, truck ramps, and climate stripping for the storage door.
Pets
Amazon had some nice offers on cat meals in October, so we took benefit of them.
We purchase 24 packs of Fancy Feast and snacks from Amazon when they’re on sale.
When there’s a sale and promo, akin to spending $35 to avoid wasting 15%, I’ll reap the benefits of that financial savings. ‘
We purchase high-end dry or moist cat meals from Open Farm or Chewy Canada on-line and get cashback with Rakuten.
Final week, for instance, I ordered at Chewy Canada on-line for $108 and obtained 6% money again from Rakuten.
I can be writing a Chewy Canada assessment quickly for the weblog, so you probably have any questions you’d like me to reply, please let me know.
Additionally, you probably have expertise with Chewy Canada, message me and share it so I can add it to the weblog publish.
Chewy Canada 20 P.c Off Your First Three Orders Low cost code 2024.
Prolonged Healthcare Bills
There are a couple of gadgets that can fall below our present prolonged healthcare.
My advantages cowl as much as $4000 for therapies yearly and braces for $2500 lifetime.
Mrs. CBB began her Invisalign in October, and we pay $250 month-to-month and obtain $125 again from advantages till we attain $2500.
After that time, we pay the total $250 till the $6000 invoice is paid.
As soon as advantages run out, we pay $135 for remedy every session.
- Speech Remedy
- Occupational Remedy
- Invisalign Braces
- Any medical bills
Canadian Tire Rewards Factors
When my CT cash stability will increase, you realize I’ve been spending cash and profiting from flyer gross sales on 20x the factors days.
All the time activate your Triangle Rewards to get the perfect bang in your buck on the many shops Triangle Rewards provides.
I’ve but to put in writing a Canadian Tire Mastercard weblog assessment, nevertheless it’s within the making as my second favourite bank card.
Search for a CT bank card assessment in 2025.
Canadians Who Store On-line Use Rakuten
Do it for those who order something on-line and haven’t subscribed to Rakuten Canada.
Not solely do you get $30 money free from Rakuten once you use the CBB hyperlink, however you additionally get money again from hundreds of on-line shops.
You’ve gotten 90 days from signing up to make use of Rakuten for an internet buy earlier than receiving the $30.
Learn my full assessment of Rakuten Canada if you’re nonetheless unconvinced.
We usually obtain cheques within the mail from Rakuten, which earns us cash.
PC Optimum Rewards Factors October 2024
Since 2018, now we have earned over 8,941,277 PC Optimum Factors or $8,941..
Within the photograph under, you may see the final 45 days of earnings in October 2024.
We began 2024 with below 7 million PC Optimum Factors, presently have $7620, and are working in the direction of $8000.
Final week, it was introduced that Consumers Drug Mart would not carry electronics.
An enormous purpose why we’d acquire the factors was to purchase presents for our Christmas and birthdays for our son.
We should think about what’s left at Consumers Drugmart and the grocery retailer price spending the factors on.
Search for an up to date publish about our factors in 2025 as I study extra about any new particulars on this system.
How We Saved So Many PC Optimum Factors
The method of saving them began after our son was born in 2014.
Sure, now we have redeemed many occasions, however solely throughout their Mega Bonus Occasion at Christmas.
Under are weblog posts for anybody desirous to study how we earn PC Optimum Factors.
Moi Rewards
Over the previous month, we joined Moi Rewards at our native Meals Fundamentals and earned $35.
The photograph above was taken through the first two weeks of rewards, and we had been at $15.
For each 500 factors earned, shopping for merchandise with Moi factors equals $4.
I’m within the technique of writing a full assessment of the Moi app by way of Meals Fundamentals, as we wished to attempt it first.
I’ll be sharing our ongoing rewards progress right here every month.
TD Rewards Credit score Card October 2024
Our TD Visa has a cash-back stability of $0 as of the top of October 2024.
I lastly redeemed our $500 cash-back reward and despatched it to our checking account.
Now, we’re beginning over once more and are $500 richer than earlier than we began utilizing the bank card.
We now have paid $0 curiosity.
Dream Air Miles Replace
Most factors are from our home and automotive insurance coverage, which provides Air Miles.
There was a degree the place we had to decide on Money Miles or Dream Miles.
Since my household lives within the UK, we felt the Dream Miles would have labored finest for us.
Additionally, when the October replace arrived in our e-mail, it acknowledged that 95 money Air Miles had been obtainable to redeem.
I don’t know the way that occurred, as I assumed we might solely acquire one or the opposite.
I’ll must look into that to search out out what’s occurring, however I’m additionally not complaining.
October 2024 CBB Web Price Replace
General CBB October 2024 Price range + Web Price Replace
I’ve had a couple of individuals e-mail me about our mortgage and why we don’t have one within the chart.
After buying our house in 2009, we paid it in full by 2014, which was not simple, however we did it.
Our present market house worth is roughly $924,000, and we purchased the house for $265,000 in 2009.
In October 2024, our internet price elevated by $22,450.31, or 1.27%.
Our son now has a Registered Incapacity Financial savings Plan, in which we positioned $5000 to get the federal government to pay again to the date of his autism prognosis.
I’ll write a weblog publish in regards to the course of we went by way of for Mrs. CBB and our son if anybody desires to study extra about our expertise.
Remark under and ask me any questions you’d like me to handle within the publish.
That’s all for now,
Have an awesome finances month, and I’ll catch you again right here for the November finances replace in December.
Prepare for the brand new 12 months with the free 2025 Free Printable Price range Binder!
Mr. CBB
Yow will discover all of the CBB month-to-month finances updates from 2012-present in our library.