Bi-Weekly Finances and Funds

	Monthly Pay	1st Pay	2nd Pay	ActualBill
		1,027	1,084
Catigories	MFA	Amount	Amount
TD Line of Credit	907.55	407.55	500	113
OSAP	117.45	117.45	0	117.45
Visa Card	0	0	25
Retirment Fund	50	25	25	50
Emergancy Fund	50	25	25	50
Christmas Fund	80	40	40	80
Storage Unit	0	0	0	0
Cat Fund	100	0	100	100
Cat Food Fund	40	20	20	40
Condo Fund	0	0	0	0
Vacation Fund	0	0	0	0
What if... Fund	134.45	134.45	45*	134.45
Cell phone	100	50	50	79.38
Car Fund	100	120.28	179.44	299.72
Comp Stock	164.32	82.16	90.38	172.54
Transit
Spending Money	150	75	75	150

* Means that I put the money into my Xmas fund to help replenish it but was not originally mend for fund


I decided to write my post on blogspot but it didn’t save it… how upsetting is that! So I am going to try and recreate was I had written, I promise you my last post was whyter than this one...lol


You will notice that there is a discrepancy within my budgets. This is because my Company stock is taken off my pay before I get it, so even thought I budget for it and include it in my total cost my take home pay is the amount after the stock contribution has been added. I hope that makes sense.


The other thing you will notice is that with pay #2 my take home pay went up this is because of the 10% extra for taking the flex shift. However what they did was treat it as thought I got a 10% raise which resulted in an increase in my CPP, IE and Company stock contribution. This makes my actual difference in pay work out to be like $60.


You will also notice that I only put $500 in to my LoC and 25$ in to my visa. This is for the first installment to pay for my referring course that I put on my visa. The course cost $96.05. Thus $96.05-25= $71.05 is out standing on my visa. As well, I put $59.00 on my visa for the tank of gas. I have paid some of this off already 59.00-2.57-20.62= $35.81. Thus in total my current outstanding visa bill balance is 71.05+35.81= $106.86. I will reduce this amount by snowflaking and regular payments before the end of the month.
This month is a 3 pay month for me which is wonderful! I also plan to make up the difference of the $25 to my LoC next pay. I had hoped use the ‘extra’ month’s pay to put a large chunk on my LoC but that will likely not happen. My BP’s parents and I spit the cost of personalized license plates for him and that cost will come out of June’s 3^rd pay. I also need to top-up my car fund and put money aside for the car I will likely have to rent next month to get up to the camping trip.


I mentioned before that I need specific work items, mostly shoes but I need a black pencil skirt as well. I have a whole bunch of neat knee high stockings that I want to be able to wear but don’t have the right skirt for. I was waiting for the bus and I saw a girl wearing the perfect skirt. So I asked her were she got it. I don’t like mall shopping I am a purpose shopper; pick up what I need and leave. It was funny because the next Q that never left my lips was ‘how much?’ I looked it up on line and the skirt is under $25 which is perfect because the idea of spending more makes me ill. So I think I am going to pick up the skirt sometime this week, paid for out of my spending money form this pay.


Bills paid for the month:
Visa~ $48.19
Cell phone~ $79.38
OSAP~ $117.45
LoC~$1007.55

No to shabby considering that we are under a postal strike, though the only thing I haven’t got as of yet is my visa bill. And I talk to TD regularly so no biggy.
I have updated all the funds and side bars except for my Christmas fund. It will stay stagnant until the amount owing is back to zero.


I don’t know how to say this because “I noticed or I just realized” doesn’t sound quite right. But I still owe money to my retirement fund. I would hate to have the amount still outstanding being carried over into the New Year (2012), so I am going to slowly work on snowflaking that down to Zero, once I am done with my Xmas fund.


I think about explains everything. If you have any Q’s just drop me a line.