General Goals 1) to be debt free in 3.5 years 2) save lots of money
Showing posts with label Duke of Ed. Show all posts
Showing posts with label Duke of Ed. Show all posts

Sunday, January 23, 2011

Frustrated, Stressed and its all my FULT!!

I am feeling frustrated to the MAX with myself and money right now. Last year a friend of mine and I agreed we would go up to Ottawa to skate on the Canal and watch Question Period while the House was in session. Both of use are major political junkies. Only last year it didn't happen because of schedules and such. This year she she asked if I was still interested I said yes of course, this was before I became more money wise. We were going to do the trip on the cheep, crash on a friend's floor so we didn't have to pay accommodations. I had hoped and truly thought that I would have a car by now. My boyfriend had offered to join us and because he has a car drive us. She would rather have a girl's weekend of it, I understand but now its going to cost $155 plus tax to take the train.

I did not budget, I DID not budget, I DID NOT budget, I DID NOT BUDGET!!!!!!

And I am STRESSED over where the money for this weekend is coming from. I don't even want to go, but at the same time I hate that I am allowing myself to not be able to not enjoy something that only last year I would have enjoyed!! All the while I could say well if I only pay 300 in to my Line of credit and not put anything into my 10% fund I would have it covered. But I don't want to do that I WANT to have my line of credit down to $32,000!!! And I WANT to put money into my 10% fund. I seam to have had to many excuses of late for why I am not putting money into it. I would also have to dip into it a little to cover the cost of the ticket.  I could maybe ask her if I could pay her the 100 now and the 55 + tax on the next play but at the same time I don't want to owe her any money. I WORKED SO HARD TO BE SUNDRY DEBY FREE!!

All the while I am still saving for this trip to Cuba which will enable me to complete my Duke of Ed one of my 2011 goals.

Add to all this my boyfriend earlier this week asked me how much I had in my car fund. I lead him to believe that it was up in the middle 2000's like 2700 or 2800 not 2500 which is what it currently is.  I feel like a smuck, a fraud, a lier and a variety of other low life things. So of course I want to put a little bit of money into my car fund so as to boost it a little bit.

I'm frustrated with myself six ways to Sunday and I have no one to blame but me.... being responsible is such a Witch.

Saturday, January 8, 2011

Weekly Spending Recap Jan. 1-8th 2010

January 1
No Spend Day

January 2
No Spend Day

January 3
No Spend Day

January 4
No Spend Day

January 5
20.00 Duke of Ed fees (budgeted for 30.00)
6.78 Carlson Cards

January 6
No Spend Day

January 7
No Spend Day

January 8
$7.65 Taco Bell  ( I know a guilty pleasure that I haven't had in a long time)
Deposited $35 into TD line of Credit (25 xmas money + 10 from Duke of Ed budget)

My First Snowflake of the year!!!!  I am so excited, though when I added it to my 15,000 goal tracker it didn't even register... that was depressing. Still I have it written underneath my snowflake jar.

Saturday, January 1, 2011

2011 Goals/ New Years Resolutions

                     Financial 

1) Pay off $15,000 of Student debt (not including minimum payments)

2) Get a second job (preferably by March)

3) Invest 6% of my income into company stock

4) Create and fund Christmas fund 2011 to the amount of $800  

5) cut cell phone bill in half (preferably by the end of January)

6) Order my credit score

                                            Personal

1) Read 50 books I already own

2) Get my Gold Duke of Ed Award

3) Catalogue and count books

4)Finish/ start Europe/UK scrap book

5)Find a way to put $100 into Shirli's visa card 

6) get my knee sorted out

Thursday, December 30, 2010

Bi-weekly finances and funds



Today is pay day. Pay days are fun because well you get paid ;P
I walked in to my bank and the Ally cheque hasn't gone through. I'm telling you its so frustrating. I almost wish I hadn't sent the cheque in. I think the Gods were stickin it to me today. I told you it would be boring and quiet at work today and I was wrong. It was so busy today that it wasn't until 10 min. before lunch did I realize that I needed to sort out my budget to take money out of my account.

With out any further ado:

TD Line of credit: 200.00
General Savings: 117.26
Cat fund: 50.00
Vacation Fund: 150.00
Car Fund: 425.00
Transit: 48.00 (2 sheets of tickets)
Duke of Ed fees: 30.00
Spending money: 80.00

My friend gave me back 50.00 he owed me from a while back. I have decided to put the money into my car fund.

I snowflaked 30.00 from my last pay into my TD line of credit.  I am not sure if this is an exact figure of what was left from my last pay but I think it is about right.

I have decided to move the general savings into my car fund. I haven't deposited the amount form my friend yet so I am not including it into my updated fund tracker.


Money in Money out….