Weekly Spending Re-cap September 5-11

September 5
No Spend Day
September 6
No Spend day
September 7
No Spend Day
September 8
$5.00 to sponsor a co-worker doing the CN star climb
$2.75 for burger at work’s caff
September 9
$5.99 car wash
September 10
No Spend Day
September 11
No Spend Day

Because I don’t have total access to my blog I haven’t been able to update my side bars, my no spend days or my snowflaking jar. So my current total of no spend days is 143 + this weeks (5) =148 no spend days for the year.

Also as an FYI my Christmas fund is now fully funded at $800.00. Yahooo for being preparied for christmans in September!

I really wish I could comment on blogs properly. There are so many interesting things that I want to comment on that is going on in everyone’s lives. I want to do a shout out to ‘The Misery of Money’ a blog that I hop on and off occasionally. They managed to pay off 5 credit cards all at once, yup 5!!!  Yes I am very jealous but I think that’s great!!! Well done them!!

ON a sad note, I just wanted to pay my respects for those who lost a loved one or their lives today 10 years ago. Its one of those days I will never forget.

Pay Day

I got paid today... and so did my funds, debt and bills.

 I paid my visa off completely all $465.81 of it. Made up from the $200 I put in from my second job and the $265.81 I paid today from my left over time and such. I am now consumer debt free again. It was a bit touch and go while I was figuring it out but it all worked out in the end. After I paid the rest of my visa I had $1.50 which was snowflaked into my Christmas fund. I didn't get it to $800 as I had hoped but its close. Also I paid my phone bill. I budgeted $100 and it was $74.24, so I snowflaked the $25.76 into my LoC. In my budget notes was reminder to pay off the cost of gas I put on my visa from my gas fund. But since I paid the visa I snowflaked that money into my LoC, $23.82. I also found 10 cents in my bag and one cent on the floor at the bank so I snow flaked that into my LoC$ 0.11.

As for bills, I have paid my visa, cell, LoC, car insurance and OSAP. The only thing left out standing is the storage until and I have to call on that tomorrow.

Total snowflakes for this pay 1.50 + 25.76+ 23.82+ 0.11 = $51.19+441.94 = $493.13 (total in snowflake jar)

I have updated my side bars.

I was feeling so rich, now I feel poor again... oh well such is life. 

Letting Things Fall in to Place

For the last little while I have been musing over what to do with my GST cheque. Should I put it into my Christmas fund to get it finished off or into my visa account or into my LoC. I have decided to put it into my drum roll…. My Christmas fund. Little Lamb has consistently told me that I should focus on one thing at a time, instead of splitting my money a little bit at a time over lots of little things. And I think she is right. Also I called TD to see how I was coming with my Loc this month and I was pleasantly surprised. Last my over time will be on this week’s pay, so I have decided to take the over time minus the rest I need to finish my Christmas fund and put that into my visa card. It should bring it down at least by $150.00. I hate that I have to use my over time money for consumer debt but you do what you must. The next thing is that starting next month I have to decide if I will focus on my vet bills fund or my car fund. But that’s a discussion for another day.

On a side not as of today I have been working for the Bank exactly 1 year. Gosh how time flies.

I am Melting....

I was trying to write this post in my head while I was doing stuff for job #2.  And to be honest I wasn't come out right. I am upset with myself the car slipped though my fingers. It turned out it was a great car in great shape and I complicated it.  I haven't found anything else yet. And time is running out, its getting desperate. I mentioned a while back that I pulled my credit score finally. Well its not so hot, its in the low 600's. I can't say I expected it to be any place else. I just wish it wasn't that low. I also know with out a doubt that even if I could afford to finance a car of any sort, I wouldn't get the financing. I have spent the last 24h being upset with myself and my situation. But its time to pick myself up and get on with life. I am brain storming other car types. I am trying to brain storm other car models that might be in my budget.  Basically I would like a car that's a hatch back because I play hockey and is good on gas. If you come up with any ideas let me know.

We are under extreme heat warnings, and when it gets hot I don't eat.  I just don't feel like eating. I am sure that the lack of food hasn't really helped my mood either.

I paid my Christmas fund back.

$35.39 snowflaked +375.93 = $411.32 current value of snowflake jar


I hope everyone is staying cool!

Bits and Bites of My Life

Hi, Hi…
I know I said I have been busy but I really have been. I am still reading everyone’s blogs. I haven’t been commenting because I do it while at work and I can only creep the blog not post on it. On Thursday I went to see Harry Potter #7 part 2. What a great movie, it was amazing! Best one of the lot! But it’s a 3h movie and so by the time I got home it was 3am. I didn’t end up going to bed until 4. I had to be up on Friday to see a car. A great car at a great price, but when I ran the vin # it had been flagged with “void warrantee.”  Talk about being crushed. I still have to decide if I am willing to take the risk or not.

After that I went to the bank and then to my dad’s to help him learn Skype. When I got home I started out again and did 5.5h of my second job. I didn’t get home until 10pm. At which point I walked the dogs, watered the plants, made dinner/ today’s lunch and had dinner before going to bed at 12am. A 14h day yesterday was. As I type this I am currently at work. 

I got paid on Thursday from Job#1 and I got my first pay form job #2. The budget is a bit messed up this week. I have played around with the numbers so as to boost my car fund. It makes me cry though.  Had I not done that, by the end of this month I would have had my LoC down under $26,000. That’s only $1,000 off from $25,000. I would be over the moon happy to reach $25,000 by September. Sadly I really don’t think that will happen…

You know what’s crazy, on Thursday and Friday I went to Scotia to do banking and both times I have forgot to take the change I have to snowflake into my Christmas Fund. I think I have enough to completely replenish it. On Wednesday night I snowflaked $4.99 into it. I motivated  to get that fund back up to where it was. I also took $10.00 from job#2 pay to pay back the Christmas fund.

Replenish Christmas fund: $10+$10+$4.99= $35.01 outstanding. 

Yesterday my friend Megan paid me back the $40 of which $25 was put back into my Emergency fund and $15 was put into my LoC. Also I deposited my GST/HST cheque into my LoC, total of $91.63. Last but not least I paid off my visa in full 83.71 which includes that gas and the cost of pulling my credit score. I am now credit card debt free again! lol

Weekly Spending Re-Cap July 4-10

I am back from my camping trip with the BF and his friends. Let me tell you my friends on Sat the crazy week that I had last week really caught up with me. I was so bushed I even had an afternoon nap. Which never happens unless I am sick.  I have a confession, I am dreading do my weekly spending update. Because I know I spend way to much money this week on all the wrong things!! *hang head in shame*

July 4 (Monday)
No Spend Day

July 5 (Tuesday)
No Spend Day

July 6 (Wednesday)
$12 Rona

July 7 (Thursday)
No Spend Day

July 8 (Friday)
$7.06 lunch
$8.46 Macdonald's dinner
$60.00 withdrawal from Christmas fund
$1.50 ATM fee
$1.50 Bank fee
$1.46 valu-mart for drink

July 9 (Saturday)
$11 on two second hand books

July (Sunday)
No Spend Day

Also I have another confession... I took $60 from my Christmas fund again. But I put $10 back so now I only owe it $50 again... sigh how upsetting is that!

I really hope I can get back on track!

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.

I'm Back!

I got home last night at 2:30am and dragged myself out of bed to work today 10-6pm. I have finally caught up on all your blogs but have not commented since I am at work. I am also caught up on the news as best as possible. There have been some interesting things happening. If you’re not familiar with hockey and Vancouver you will likely have missed the news about riots after Van. lost the Stanley Cup to Boston. Two nights ago while driving though Ohio I stopped at a small gas station and asked the attended if he knew how had won the Cup, he looked at me blankly when I asked him if he knew what hockey was. So I will forgive you for not knowing as well. Any ways it’s with much sadness that I tell you that I am ashamed of the behaviour of my age group (25 and under) who were clearly the majority of hooligans out that night as they destroyed, looted and burned down town Vancouver.


My min-vacation was suppose to include shopping in buffalo (I desperately need work appropriate cloths), this didn’t happen. Instead we crossed the USA-CAN border at Kingston and driver thought New York, Pennsylvania, West Virginia, Virginia, went to Washington DC, Ohio, Michigan and back up through Ontario home. I made a conscious effort to make sure that we spit the cost as best as possible. My BF often pays for most things when it comes to our relationship. I only took $390 down with me he took $900, it is often difficult to compete against those numbers. I made sure that I paid for things like gas and meals and souvenirs. The big expense was motel/hotel which worked out to be about $200, my BF covered.


 Everything else in the USA was cheep! We would go out to eat and what would normally cost us easily $35 with out tip would come to $25 with tip in the USA. And Gas! OMG my BF’s tank normally costs $65 + to fill here in Ontario in the USA it was $40-45. With everything being so cheep and no shopping I came home with $140.58 US in my pocket. My BF came home with a little over $400 still in his pocket. It was a good trip.


 I still need work cloths but I am glad that when I exchange the money back into CAN dollars I will be able to replenish my Christmas Fund faster. The down side is I will likely have a little bit if debt left over from this trip at the end of the month depending on how things pan out. I paid for the first tank of gas on my visa ($65+) and didn’t factor it in that cost of the trip. Hopefully I am able to play around with the numbers and snowflake a few dollars to bring that cost down. All in all it was worth it, I am existed but it was a great couple of days.


In other news, you might remember that I had in the past spend a LOT of money buying books and that one of my 2011Goals was to read 50 books I already owned. Well, while on this trip I bought my first book in 6 months. Times sure have changed thought; the book I bought was “The Idiot’s Guide to Personal Finance for 20 and 30 Year Olds.” The Idiot’s Guide Book Serious is American so I couldn’t get it in Canada unless I bought it on line. Thus using my visa, which I was not willing to do. I bought this one in cash something else I am happy about. My BF laughed and told me it was like watching a lapsing crack addict. I bought 2 other books but they were second hand and cost me $3 and one is for my dad. 


I got paid last Thursday but because I was away I haven’t paid any bills or moved anything around. I will do that Monday when the banks are open and blog about it than.


I hope everyone had a good couple of days. I am looking forward to getting back into the swing of things.

Pay Day

By now I am sure that most people are aware that I like love books. I have often thought about going through my old LoC and visa statements and tallying how much I have spend on books in the past. One of my goals this year was to read 50 books I already owned. Partly to help achieve on of my life goals (to have read 97% of books I own). But also because I am sure that I currently own more books that I have NOT read than read. Second I put myself on book buying ban in February and never really stopped. I am proud to say that I have not bough a single book this year. This is might not seam like a big deal but for those who are shopaholics, or love buying shoes this is like you giving up shoe or clothing shopping for 5 months. To help keep me away from the temptation I have avoided going into book stores. 


Work always seams to have a ‘market place’ set up every pay week in the lobby of our office building. Most of the time the stuff sold is bags, clothes, jewellery and trinkets, so I don’t have any issues with resisting spending money. However this past pay week we had a full on book sale! It’s like my Company wants me to spend my pay before it’s even in my account. I decided that I do have $75 that I can spend so I decided to look around. There was only one book that was interesting partly because it was so heavily discounted for what it was. The book was Peterson’s field Guide to Eastern Trees, normally $20-30, only $7.99. So it was a great deal. However I didn’t buy it because I am sure we have a copy at the cottage and because I currently have no use for the book. Also the sale down stairs was set up by the company that run’s Blowout Books which is basically heavily discounted books that are the end of a print or books that didn’t sell well in normal book stores like Chapters. The end result was I walked back to my desk empty handed. 


Any ways with out ado, the budget:


                              Pay (OT included): $1,152.68
                                   Easter over time: $125.54
TD LoC: $525
OSAP: $0
Visa: $0
Retirement: $25
Emerg fund: $25
Xmas fund: $40
Vet bills: $50
Cat food: $20
What if fund: $84
cell phone: $50
Car fund: $142.14
Company Stock: $82.16
Over Time money ($125.54) put into LoC


Included in the Car fund amount is $9.00 left over form last pay that was snowflaked into car fund.


Bills Paid to date:
Cell bill: $75.39 ($24.61 snowflaked into LoC)
OSAP:  $117.45


Total snowflakes: 9 + 24.61= $33.61 

Today was Pay Day!

With everything going on I hadn't had much chance to think about it. As it turns out I didn't get any stat pay I was due on this pay cheque. So I have to talk to my manager about it, however I haven't seen him at all this week. He's been MIA at work the days that I have been at work.

                                                            Pay: $1,027.08

TD LoC: $407.55
OSAP: $117.45*
Visa card: $0
Retirement fund: $25
Emergency fund: $25
Xmas fund: $40
Storage unit: $0
Cat food: $20
Vet bills: $50
Vacation fund: $0
What if... fund: $84
Company Stock: $82.16
Car fund: $128.75
Cell phone: $50*
Spending money: $73
Left in account: $2

*= money put in holding account until bill is due

Oh To Be Debt Free

Today I paid my cell phone bill at $95.03, I budgeted $100 so the $4.97 was snowflaked into my line of credit. I have also snowflaked $25 which was originally allotted for my visa card.

 I think I made a mistake today. I told my mom I was no longer in consumer debt aka I had paid of my visa, she was surprised but she wasn't happy for me. No if you can believe it, she was resentful!! And I know that in one of our many arguments she will toss it at me. I made sure that when I told her a friend was around so that she couldn't make snide comments, though it didn't really stop her form one or two. I don't know what divorce does to woman (yes generalized I know) but she feels my sister and I are balls rapped around her neck holding her back. Last night she told Em (my sister) and I that she was kicking us out. I already know she resents the fact I went to university, I have already had that tossed at me. One of the reason's I am working so  hard to get out of debt is so that I can move out. I no longer want to be her excuse for why she hasn't got her life in order.

Any ways on to happier news, yesterday was pay day. The following is how I broke it up.

LoC~ $525
OSAP~$ 0
Visa~ $0
Retirement fund~ $25
Emergency fund~ $25
Christmas fund~ $40
Storage until~ $85*
Vet bills fund~ $50
Cat food~ $20
Condo fund~ $5
Cell phone~ $50
Company Stock~ $82.16
Car fund~ $117.73

* = currently sitting in holding account until I pay the bill

I have decided after the cats have gone to the vet's and I know how much it cost and what's left in my vet bills account I am going to play with the numbers again. I want to start putting $50 a month into my condo fund. I know its not a lot but anything is better than nothing.

bi-weekly finances, funds and relationship issues

As promised I am going to post my bi-weekly funds allocation. And just as I was about to write the first word I realized there was still a lot of money sitting in my checking account because I haven't actually moved any money around since I got home. The last few hours I have been going through a roller coaster of emotions and now I am just emotional zapped and don't even feel like talking about it or blogging, let alone doing any banking. However I have responsibilities so I just did the transfers. When I got home I was so ready to just rant about everything that had happened but my sister was home so she became my sound board. Now I am just drained and mellow.  Also for some reason when I last called in to ING to switch around the date my automatic withdrawals were to come out of my account they skipped the automatic withdrawal for this pay. So as a result I just cleared my Company Account and didn't even realize until I finished trans the money around and still have $119.00 left in my account instead of the $75 I was expecting.  A quick call to ING to find out what was going on and after trans of amounts to my back up Fund accounts and the issue has been sorted out. Only somehow I short changed my Retirement Fund by $6.00. And I have no idea how I did it!! So I have reduced my spending money by $5 to help make up the short fall, I will put the other $1 back at the end of the pay cycle.

                                                                 Pay: $1,098.89
TD line of credit~ $382.55
OSAP~ $117.45*
Visa~ $25*
Retirement fund~ $24
Emergency Fund~ $25
Christmas fund~ $40
Storage unit~$85*
Cat fund~ $50
Cat food fund~$20
Condo fund~ $5
Cell phone~ $50*
Company stock~$82.16
Spending money~ $70

* = money siting in bill account until the time comes to pay the bill.

On a side note my GST cheque came in for $62.50, so when I am next at the bank I will deposit it into my line of credit.

UPDATE: I didn't feel like finishing the post last night so I went to bed. Sorry for the tartyness.

Bi-weekly Pay, Fund Allotment and Playing with Money

It was payday this last Thursday. I didn’t however move money around until yesterday.  As it turns out I was in over draft again by $0.11 and because I always have my Work Bank Account at zero they dipped into over draft again. What this all means is next month I will be paying over draft on overdraft… ARGGGG!!! I fell like such a (fill in blank). It bothers me because I have never had nor neared overdraft. In my mind when the bank balance says zero then that’s it. Money doesn’t grow on trees. Also in those rare occasions where I want on the read with Scotia I never got charged over draft interest. So I now have had to leave $2 in the account so as to stop these charges once and for all.

I made sure that I walked into the bank and withdraw the money that was left in my account AFTER ING had taken the money out. I use to do email money transfers as we are allowed 2 free, on one month billing cycle. I thought I had been ok that I hadn’t gone over the 2 transfers. However it has been indicated to me that I did which is how my account ended up in the negative.  Another reason I was given because I called in twice to find out how the charge happened; was that the ING stuff comes out of my account at 12am the day I picked and my pay comes in at 4ish in the morning. So hopefully by resetting my ING money to come out the day after I get paid this will stop the over draft interest as well.  Than on Fridays I will be whipping my account out at a branch and walking it over to Scotia. The hope is that all this will brake the gross cycle of over draft interest I have been paying. After all I worked hard for those 11 cents!!

My last month’s bill for Rogers was way over budget due to the stuff with Cuba, coming in at $155.83, thus $55.83 over. So I have had to play around with the numbers again. I had $28.00 left over from last pay. This was snowflaked into my bills account to help cover this cost. I had $25 (in cash) left over from the cost of my licence renewal that I was going to put into my car fund. This will go into my visa account and my allotted $25 from this pay for my visa will be rolled into my Rogers bill to cover the excess cost of the cell phone bill. This means that I will have $54.00 extra for this bill.

My Company Stock contribution was dropped .I would like in the future to make the full 10% which is $136.93. However I really can’t at this point, so I have dropped it down to 6% which is $82.16 a pay. My Bank only matches up to 50% of your contribution up to 6% which means that they will match 3% of my 6% contribution. You are allowed to put up to 10% but the Bank only matches up to 6%.

I have also added my Emergency fund to my direct withdrawals with ING. Starting this last pay ING will now take of $50 bi-weekly off my pay, $25 for my retirement fund and $25 for my emergency fund.

Last but not least, I have $7.28 that I am carrying around with me until I can get to a TD bank. This money will be snowflaked into my Line of credit.

Bi-weekly pay and fund allotment:

               Amount (after stock contribution): $1, 011.73

TD Line of Credit: $400

OSAP:  $0

Visa: $25

Retirement fund: $25

Emergency fund: $25

Christmas fund: $40

Storage Unit: $85

Vet bills Fund: $100 (50 for last pay and 50 from this pay)

Cell phone: $100 (50 for last pay and 50 from this pay)

Car Fund: $100.00

Spending money: $75

Bills paid to date for this month:

TD Line of credit: $700

OSAP: $300

Visa Card: $25.00

Cell phone: $155.83

bi-Weekly Finances/Funds and New Developments at Work

As I write this post I am watching the very first episodes of Till Deb Do Us Part. It my guilty pleasure and its now free on www.slice.ca :D

I have mentioned that my March budget had hit several different bumps and we are only about 1/3 through the month. The first one was the reality check of my income which is $1,027.08 not what I thought/budgeted. The second reality check came when I finally got my enrolment into my company stock started. The first thing was I didn't know the amount came off the gross income and not the net. This reduced by take home pay and also affected my budget. The other thing is that I didn't have a place in my budget for this added category -I can hear Gail saying 'HELLO'- and she would be right. So the next question is what category do I 'steal' from to cover this unbudgeted expense. I have decided to take it out of my car fund. However I will be adjusting my stock contribution from 10% to 6% as I still get the most out of the fund with my company's contribution but will not completely affect my budget. In an attempt to try and reduce the damage on my car fund goals last night I decided to snowflake the $18.37 left over into my car fund. This brings my fund to $2631.77.

As for work, my DPTM is going through restricting. What this means is that I will be refocusing my skill sets and required to get my insurance licence before June 6th other wise "we will be reevaluating your continued employment in your current role" or so the letter says.  So that means its back to bank school to get my licence. I will explain the rest in more detail in a later post.  Without any further delay here is my budget:
    
                                                                         Amount: $1,052.79
                                                      After stock taken off: $956.96

Line of credit: $300
OSAP: $200
Visa: $25
Retirement Fund: $25
Emergency Fund: $25
Christmas Fund: $40
Storage unit: $85
Vet bills fund: $50
Cat Food Fund: $20
Cell phone: $50
Car Fund: $61.96
Spending money: $75

Back to Reality

Yesterday I got back from Cuba. I had a lovely time and I came back with money in my pocket, which makes me very HAPPY!! After getting off the plane I got back to reality. I went to the bank traded money around, paid bills and picked up my BF at the airport who spend the past 10 days in Newfoundland.  I also have just set up my 'The What if...Fund'. This fund is basically designed to be an in between fund for things that come up that are just A) oops forgot to put money aside for this or B) money has not been budgeted for this but I want it/need it or C) something needs to get fixed. Option C is currently in effect as my sewing machine is in repair.

Bi-Weekly Budget

                                               Amount: $1,093.89

                                               Amount after ING: $1,043.82 ($-25)

Retirement fund: $50.00

Storage unit $75.00

TD Line of credit: $300.00

Xmas Fund: $80.00

Cat fund: $100.00

Cell phone: $94.86

Car Fund: $50.00

Visa: $50.00

Cat food fund: $10.00

Emergency Fund: $25.00

The What If… fund: $10.00

Licensing fee: $50.00

OSAP: $82.55

Spending money: $67.00

Two Week Spending Recap Feb 14-27, 2011

February 14 (Monday)

$-17.91 Cineplex

February 15 (Tuesday)

$-24.00 for Transit Tickets

February 16 (Wednesday)

No Spend Day

February 17 (Thursday)

No Spend Day

February 18 (Friday)

No Spend Day

February 19 (Saturday)

$-168.37 self store fee for march

February 20 (Sunday)

 $23 budgeted, $13 spent

February 21 (Monday)

$70 budgeted, $30 spent

February 22 (Tuesday)

$60 budgeted, $29 spent

February 23 (Wednesday)

 $60 budgeted, $23 spent 

February 24 (Thursday)

$80 budgeted, $69 spent

$25.00 to retirement fund

February 25 (Friday)

$80 budgeted, no idea who much was left over/ spent

$-2.00 for a tea at the airport

February 26 (Saturday)

$-94.64 Roger’s bill

$-50.00 for visa bill

February 27 (Sunday)

$-7.55 Go train ticket from Whitby to Toronto 

I took $500 cash as my spending money for Cuba. After converting it I got $457.35 CUC back. Through out the week I budgeted $23, $60, $70 and $80 depending on the day. I never once spent the full amount on any given day. As such after paying my exit tax ($25.00) and converting my money back from CUC to Canadian dollars I had left Cuba with $205.00 in my pocket. I debated what to do with it. In the end I have decided to use it to pay for the repairs on my sewing machine and for my Anime North ticket. This way I can 1) finish my Halloween costume for reuse at Anime North and 2) pay for my ticket with out affecting my March budget. 

Bi-Weekly Finances and Funds

                                                          Total amount: $1262.49

Visa: $50
Cat fund: $50
Christmas: $40
TD Line of Credit: $400
Cell phone: $94.25
vacation fund: $250
Car fund: $50
10% fund (retirement): $ 126.25  100.00
Storage unit: $96.62
Spending money/ Ottawa: $131.62

If you remember in a past post I blogged about going to Ottawa with a friend of mine and trying to sort out how I was going to pay for it and put money in everything else. What I did was reduced my 10% fund.  So in stead of not putting money into it at all I just didn't put as much in it. I also added to my other funds and keep my TD line of credit payment at 400. What happened was after having my little freak out I realized I had $147 in USD funds sitting in my Big Ben tin. I always have a little kicking around because how close I am to the border. So I have decided to cash it in. Its a bad time to change money since I will likely lose some on the exchange.  But if the exchange still enables me to keep $140 in CAD I am hoping I will be ok. The round trip ticket is $168.37. So with 140.00 and 131.62 = $271.62... God willing it will be enough. 

Weekly Spending Recap Jan. 9-16th 2010

January 9 (Sunday)
No Spend day
January 10 (Monday)
$3.26~ Aramark (company caff)
$24~ bus tickets

January 11 (Tuesday)
No Spend day

January 12 (Wednesday)
No Spend day


January 13 (Thursday)
$28.64 TD line of credit
$300 ~ TD line of credit
$450~ vacation fund
$153.40~ general savings
$100~ storage unit
$40~ Xmas fund
$50~ cat fund
$34.69~ Avon

January 14 (Friday)
No Spend day

January 15 (Saturday)
No Spend day

January 16 (Sunday)
$8.37~ Tim Horton's

Bi-Weekly Finances and Funds

Today is pay day! last night I moved the last of last pays money into my line of credit YAH! for snowflakes. A grand amount of $28.64 which brings my jar to $63.53. All in my line of credit *big smile* the faster I can get that principle down the happier I will be.

I mentioned in a earlier post in December that I was increasing my TD line of credit payment to $300 starting in Jan. I had thought it might be a tight budget because I had anticipated having a car by now. But that hasn't happened and its not likely to happen until maybe March or April... sigh. That fund is on hold until my vacation fund catches up because I have a conference in Cuba in Feb. that I am going to and haven't even booked it yet. *EKKK* I want to pay it all in cash, truthfully there isn't any other option any ways, since I have no available credit., which is not a bad thing really.

I have applied for a part time job. Stats Canada is hiring part time staff between early March - end of July. The hourly pay is $14.72-18.04 (for supervisors). I really hope I get the job.  This will be a great way to add extra money to my line of credit. As all the money I get from a second job will be allocated to debt repayment.

With out any further ado:                       net pay:  $1,178.98

TD line of credit: 300.00
Cat fund: 50.00
Vacation fund: 450.00
Xmas fund: 40.00
Storage unit: 100.00
10% fund (general savings): 153.40
Spending money: 85.58

Transactions have been done I will endeavour to update my trackers. I no longer pay my visa bill on the first pay of the month because of what happened last time. So it will get paid next pay along with my cell bill.

A Kick Start to Accomplishing 2011 Goals

Today I decided to kick off the process of the 2011 New Years resolutions. The first thing that I did was create a tracker for my Christmas 2011 fund. The second thing I did was create another tracker for my extra 15,000.  On the 30th I called TD to ask what my line of credit balance was. The lady was unable to tell me as the interest was not to be added up till 4pm on the 30th. So at 4:10 on the 30th I called up and the next personal I talked to also was not able to give me an accurate figure for the same reason. Finally today I called and got an up to date figure. My line of credit stands at $32, 915.15. This number however does not take into consideration the $230 (200 normal instalment + 30 from snowflaking) I put into it on the 31st. As such the exact figure should be 32, 685.15. I won't update the tracker though until I get a statement in the mail.

In other news it looks like the cold has jumped from on kitty to the next. Max started with it and now it looks like it has made its way to Salem

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