We’re well into the sunset of 2015 so it’s a good time to do a budget check. I did one before summer started but that was more than 4 months ago! In a nutshell:

• As expected – no more, no less.

• Spending too much on food, gifts, entertainment, vacation/travel and other
• Spending less than budget on bills, vehicle and childcare

The good news is that we are hitting our monthly savings plans for RSP’s and RESP’s. Gifts and entertainment remain the most challenging budget lines. I’m not so worried about vacation or other because I know why we’re over budget and there’s some consolation that in both cases, the spending was planned – some new furniture and a great family trip to the UK. We saved some money in 2014 for our 2015 vacation – it was fantastic to pay the visa bill without feeling a bigger pinch than usual. 

2015 is not over yet so luckily there’s just enough time to set a recovery plan to steer us back on track and finish the year on budget.