November 2005 Update

Early Christmas spending blew my budget this month, however on a year to date basis I'm still on track with a savings rate of 46%

I also purchased a leather jacket for myself which took up nearly half of my clothing budget for the year. It is an item that I've been wanting for many years now and because I needed a new winter coat this year, I decided to finally break down and get a good long term jacket.

Next month I should stay on track but it will be tight with the holidays. While I have nearly finished all of my Christmas shopping, I'm expecting high entertainment costs because of the holiday season.

I'm now sitting on investable cash of $7000. It's in my PC Financial account currently earning 2.3% per month. My plan for the next month is to find a better alternative for this.