Monthly budget review – April

22 April 2020 267 Comments

Today I do my monthly budget review for April. I realise that I have been less preoccupied with keeping on budget than normal. So I’m very curious to see how my month went and what I might need to change for the upcoming months.

  1. I start by reviewing my personal expenses
  2. I reviewed my sinking funds & jars
  3. I reviewed my debt
  4. I reviewed my emergency fund
First I start by reviewing my personal expenses

In April I budgeted €998,06 for my personal expenses. Taking into account that my gym and movie membership was put on hold I expected my actual expenses to be less. My actual expenses were €962,75 in April.

My budgeted and actual expenses in April

There was a difference between my budgeted and actual budget of €35,31.

  • gym membership is normally €21,-. Because of the crisis I cannot go to the gym so I put my payments on hold and didn’t need to pay this month
  • movie membership is normally €21,-. Because of the crisis I cannot go to the so I put my payments on hold and didn’t need to pay this month
  • health insurance increased this year to €129,71 but I accidently budgeted the old amount of €123,02
Second I reviewed my sinking funds & jars

My sinking funds are filled and on are track.

My sinking funds in April

My eating out and personal care jar are still full.

My grocery jar was empty before the month was over. I paid €52,48 more than I budgeted for my groceries and used my eating out jar to compensate.

I also bought a new desk and some cabinets for working home and used all my play jar and needed an extra €177,61 to pay for everything.

My jars at the end of April
Next, I reviewed my debt

At the moment I only pay the minimal amount of €59,71 towards my student loan. My extra payments are going towards my emergency fund. My current balance is €5.527,78.

Last, I reviewed my emergency fund

I added the €900,- I normally pay towards my student loan to my emergency fund. My current balance is €1.900,22. I will keep adding till I reach €6000,-.

How did you do on your budget this month?

Read my previous post about setting my budget up for April here.

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Comments are closed.