General Goals 1) to be debt free in 3.5 years 2) save lots of money

Monday, February 20, 2012

I'm leavin' Port!

I want to thank everyone for reading/commenting/hanging out/creeping out me on this has been an amazing learning curve. However as part of my 2012Goals I am moving up and over to WordPress. Please come join me at  . If you had subscribed  via RSS/email I am really sorry to say that you are going to have to do it again. *sorry* But THANK YOU for doing it in the first place!! *Truth* I had no idea you could even subscribe to this blog until I started the conversation process.

Starting today I will no longer be updating Blogspot.

Please bear with me over at WordPress I am still under construction and it will look out of sorts until I sort everything out! But don't worry Homer (Me) is on site!!

Saturday, February 11, 2012

January OSAP and LoC Update

Since January has come and gone it's time to update my progress on my OSAP.  Also I have decided that I am going to keep track of my LoC monthly again. 

December OSAP balance: $5,654.44

January 12~ $216
January 12~$11.25
January 28~$383.63
January 28~$4.71
January 31~ $200.38

Amount paid after interested added: $ 815.97-17.50= $798.47
Daily interest for the month of January: $0.77
Total  monthly interest: $ 17.50
% interest is calculated at: 5.5%

New OSAP balance: $4,846.39

Regular payment to LoC $250
Monthly Interest: $91.59
Daily Interest: $2.95
Interest rate:4.5%
Amount after interest taken off: 250-91.59= $158.41

New balance of LoC as of January: $23,878.89

Current $15,000 extra fund stands at: 

I have a question for everyone that Snowflakes. What do you define as a snowflake and what do you not include as a snowflake???

Friday, February 10, 2012

Life Update

I promise I haven't dropped of the face of the earth. I have been really busy and as a result the blog has been a bit neglected, sorry. I have been working on Carla's decluter chalance (4 closets in the house). So expect a post on that. Also I havaen't updated my side bars or done a January OSAP/LoC  update so expect that from me in a few days as well.

I hope everyone's decluttering is going well. 

Sunday, February 5, 2012

Bi weekly Spending Recap January 23-February 5

January 23
No Spend Day 
January 24
$18.07~ Pet Value cat litter
$13.42~ Zeller's
January 25
$500~ Dentist
January 26
No Spend Day
January 27
$98.26~ cell phone bill
January 28
No Spend Day
January 29
No Spend Day
January 30
$28.40~ staples
$3.94~ Shoppers
$17.40~Subway food
January 31
$11.95~ bank fees
February 1
No Spend Day
February 2
No Spend Day
February 3
No Spend Day
February 4
No Spend Day
February 5
No Spend Day

Saturday, February 4, 2012

Credit Card Dilemma

As I am sure everyone knows I work for one of Canada’s major banks, if you didn’t know; well now you do. Without giving to much detail ways I want to ask you advice on something.

But first let me give you some back ground information:

Recently my Company created a contest for its credit card clients to enter, as an employee I am not entitled to enter the contest. However, now the Company are offering its employees (with a Company credit card) the option of entering a separate employee version of the contest.  I currently don’t have a Company credit Card. I did apply for one when I first joined the company but was turned down; truthfully I jumped the gun and should not have applied. I deserved the rejection I had more debt than income and had been with the Company less than a month.  

Last July I pulled my credit report and it was less than ideal. TD has my credit score 100+ points higher than Equifax. And Equifax shows a hold on my TD LoC account which I suspect is what being the score down. Last week I went into TD to ask to have the hold taken off. The agent at TD I talked to said not only had my score gone upon there end, but they show no hold on the account. He also said the only way to sort this discrepancy out was to A) do a bogus credit app thus pulling my Equifax credit score however it would get a hit on my score OR B) have me pull my credit report. Than bring it in to have him see it so he can figure out why there is a discrepancy, and have it changed for me.  Option A I have no interest in taking and option B can’t happen until July of this year; as that’s when I last pulled the report. Equifax get’s fussy about only doing it once a year. I opted to just leave it until next July and take the info into him than.

Now this contest opportunity has come up and I would like to enter it. However I don’t have a Company card. I do intend on getting one just not until this summer when I get this credit report issue sorted out. If I wait I will miss the chance of entering the contest. If I apply for the card and take the leap of faith I could get declined again; something that will also result in a hit on my credit score.

What do you think I should do? Take the leap of faith or suck it up and sit this one out??

PS it would a once in a life time trip if I won in!

Thursday, February 2, 2012

De-clutter Challenge Week 1 Update

Toss: 5 + Donate: 5 + Sell: 0 = 10

Well I got started on my clean up.  I have cleaned my two shelves, cleared out the two boxes and my drawer set.

Shoes put away and the top shelf is clean(er) now

My tights drawer which now has two levels of containers packed with tights and knee highs   
The bottom drawer of my two drawer side table now has folded pj's in it

My Godmother was a vary fashionable person she had the same hat in 8 different colours 

My Godmother use to buy most of my cloths, we were about the same size.  It turns out she was also famous for  buying cloths and forgetting about then. Even from the grave she's clothing me, is that creepy?

Below is a picture of the space that use to house my steampunk stuff  and  since I cleaned the shelf   I had a place for it that wasn't on the floor. If you look behind the pink thing you can see the plastic clear box and the brass clock faces.

Steampunk stuff old location

No boxes at the foot of my bed

Empty boxes 

One clean desk drawer, 2 more still to go. 

Pens and such to be tossed out!

The other think I have done was clear out and put way the stuff that was in the flashy reusable bag. The only thing left to do are the last 2 drawers in my desk.

How is everyone else coming along??  Also what is you least favourite cleaning activity?? Mine is dusting the most pointless activity of all time in my option. 

De-clutter Challenge Week 1

***Note this post will be dated Feb 2 but should actually have been posted Feb 1. 

As per the rules set by Carla Week one is "Personal Space." When I moved back from Uni. I moved an apartment into a bedroom, a feat I am quite proud of. However I despite being back over a year I still haven't got every inch of my limited space maximized.  As a result for this week's challenge I am going to work on drawers and shelves that need to be reorganized.
These two pictures are of a bag that has never been unpacked since I moved back home.
Boxes left over form my Aunt's estate 
Sewing/ crafts, and clothing

my desk drawers 

top drawer 

middle drawer 

bottom drawer 

Bag of stuffed toys and other stuff

There you have it, what I will be working on this week!