November financial report

Welcome to November’s report. Where has the year gone? Soon I’ll be wrapping up the entire year in the yearly report.

For those of you who are new– welcome, I do these reports each month as a way for me to track all of my financials and see how I’m progressing. Inadvertently they also hold me to account to all of you. Each report contains the following sections and you can skip to any of them by clicking the links below.

Spending | Savings & Investments | Credit Score | Superannuation | Side Hustling

For last months report see here.


Below is the breakdown of my spending by category as well as the relative % of my total spend for the month.

November spend by category


  • Gifts: My housemates birthday.
  • Utilities: This month included my mobile phone, home internet and an electricity bill.

I spent $5,286 in November 2018 in comparison to this month, meaning I spent $2,593 less than this time last year. Overall so far for 2019 I have spent $32,579. The same time last year I had spent $43,667 so I am $11,088 ahead for the year. I think that’s a great effort! That figure is based on actual monthly spend and doesn’t include any money put towards savings or sinking funds.

Below is the total spend per month for 2019 so far compared to 2018. (again excluding savings and sinking funds).

Savings & Investments


During November I saved $1,054 or 25% of my total income towards savings. At the end of November my savings accounts totaled $30,832. I passed the magical $30,000 figure haha.

Even though I didn’t save much, so far in 2019 I have saved $20,610. This is more than the whole of 2018’s debt payoff and savings (which was $13,209). I’m feeling pretty proud to hit over $20,000 saved, my goal for the year was $25,000.


My shares rose a bit in November and are now up to $17,648 as of 29 Nov. I haven’t contributed to my investments for a few months as I’ve mostly been putting money into my savings fund. During November I saw an increase of $600 or 3.54%.

Credit Score

I check my score every month on three major websites: Get Credit Score, Finder and Credit Savvy. My credit score has not moved for months now. It sits at 741 on two of the sites and 720 on the other. The difference is because they use different credit reporting organisations, two being Equifax and the other is Experian.

Credit score tracker 2018-2019


My balance as of 15/11/19 was $58,366. I salary sacrifice 5.5% of my income on top of the 9.5% that employers in Australia legally have to pay.

Side Hustling

I earned $286 above my usual monthly wage from my job through various sources including:

How was November for you? I’d love to hear if you saved money or paid debt?
Let me know if there is anything else you want to see in these reports.

Credit: Icons by Freepik from Flaticon. Featured image from unsplash. Images created from excel screenshots or by me with Canva.


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