10 months since I have taken the BSRI challenge, so where do I stand ?
I have done OK I guess despite very bad third quarter as I only cashed in a 6 weeks contract with the next to start only later this month.Since I planned Q3 to be a losing money quarter and it wasn’t, this makes the overall Budget versus Actual cumulative saving summary look very good indeed…
…while my overall saving rate is hammered back down to 33%, still hoping to maintain a figure above 30% as budgeted for 2017 (fingers crossed now). Still no extreme measures such as cutting all lattes and eating out, I just spent some on car service and servicing my bike as well beginning of Q4 instead of Q3.
Food spending 20% lower than budget in Q3.
Transport spending 70% lower, all maintenance actually spent in October.