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

Wednesday, December 29, 2010

Ally, Credit card, New friends, Max, boy friend

Today I called Ally to check on the status of my cheque because every time I check my accounts the money is still sitting in the account. Having money in my account unnerves me, I feel as though it might trigger impulse buying. I am not by nature bad for impulse buying but it's never good to tempt the 'pulse.' The other annoying thing is that I can't snowflake what ever is left in my account. I have no idea what will be left over, if cashing cheques have service fees and such like that. I just don't want to end up with a NSF charge because I haven't left myself wiggle room.

Pay day is tomorrow and I have made up the budget. There are a few things with it that still need some tweaking which I will do while I'm sitting at my desk bored tomorrow.

I was reading GMBMFB and she had a blog list up of the "Top 10 Realest Personal Finance Bloggers" one of them is Paying Myself. I thought I would check out her blog. I browsed through it and found a post about Debt and her reasoning for focusing on savings and not her debt.  Point 3 is " I want to learn a lesson (or two or three). Basically she said that by having the debt on her credit card it discourages her from using up the little room she would have by putting more then her minimum payment on her credit card. When I read this I felt like OMG there is another person in the world who has the same thing as I do. I completely get where she is coming from. And she understands cat vet bills  :) So I have decided to add her to my blog role ...a new friend ... or a PF blogger creeper lol

For those that were wondering Max is doing much better. His sneezing has significantly reduced and I still have $53 in the Cat fund. He's feeling better and I have money in the bank still. I fell really good about it knowing that I will be able to afford what ever comes up with the cats in the future because of my Cat fund. I feel more in control and that's always a good feeling.

For anyone wondering where I have been for the last couple of days I was away on a romantic couple of days for my boyfriend. He treated me to a lovely trip to Niagara falls. He budgeted to spend $500 in spending cash and I am happy to report we didn't spend that much. I made a conscious effort to not let him. Of course had he known he would have been very pissed with me. He wouldn't let me pay for a single thing. Which was great for my budget because I had not planed for such an adventure. However I felt terrible about it because despite his effort to keep me in the dark I know exactly what the room cost on top of all the things he paid for while there.

Our conversation on the way home was about personal finances and money. This is a great thing because for a while I was fretting about the fact, I didn't feel we could have a conversation about money.
He told me that if him and I ever got our own place together that he would just hand it to me. To make sure it was put in all the right places as long as he was given money to do stuff with. I don't know how I feel about this. But I will tell you its a step in the right direction.  I want him to learn soon rather then later about the benefits of saving good chunks of his pay.

Tomorrow I will post my bi-weekly budget.


  1. Lucky you a nice romantic couple of days away, and you have also got boyfriend on board with finances.

    Whats happening with Ally ??? Bye the way my PIN number arrived today.

  2. With Ally, nothing... and that's the truth. It's so frustrating. Im go glad you got your bank card PIN number guard it well!!!

  3. Good to "meet" you! Looking forward to following your adventures too!