Tax Return and Visa Card Update

I have noticed that I don't have very exciting titles for my posts.  But to be honest I really can't come up with anything exciting. I will endeavour to change this. Any ways I deposited my Tax return today and walked the $850.20 over to TD to pay off my visa card. Or I thought I was paying it off in full. Turns out I was $14.95 short. So when I got home today I made a bill payment from Scotia to TD visa for $14.95. As such I can't say I am consumer debt free yet... sigh how depressing. In the mean time I am actually going to go through my old visa bills to find out when the last time my bill would have come in with a Zero balance. I don't think I have ever had one; it would be interesting to see.

I moved $450 into my car fund which brings it up to $3,361.80. I also moved $50.00 into my retirement fund, I have no idea what it's at. Last I moved $98.73 into my What if... fund, which brings it up to $108.73. I may have to dip into it to get my friend a bday gift and card. I'm not so happy about this but I can't not show up to her place empty handed. And this is what the fund is for in the end. Example: What if... [INSERT FRIENDS NAME] birth day comes up and I have no spare cash.

After I finish this post and updating my side bars, I have to sit down and start writing cheques out to my account and to the charity I sponsor a child from.

I have been mulling over stuff with my line of credit and I think it is going to be really tight this month. I really want to get it under $30,000.00 but I don't know if I can do it or not. Cross fingers!!! It will depend on what's left in my bills account after I pay all my bills this month. Last month I had it all predicted so when I was updating my net worth before the bill came in there was no surprises. This month is going to be different.  

Net Worth and Cat Fund Story

Recently a lot of PF bloggers have been posting there updated net worth. At first I thought there was no point in even tracking mine. As there is no hope of finding myself miraculously  out of the red. But I thought and thought about it, until I caved. So here it is:

Net worth as of December 2010 from August 2010

Debts(D)/savings(S)	August 2010	December 2010
OSAP (D)	-13,058.00	-10, 058.00
TD Line of Credit (D)	-34,380.01	-32,685.15
Sundry Debt (D)	-727.41	0
General Savings (S)	0	727.99
Cat fund (S)	0	39.91
Car fund (S)	0	2512.79
Vacation fund (S)	0	461.57
Christmas fund (S)	0	0
Mutual funds (S)	1,011.29	1,086.48
Chequings account	0	40.64
TOTAL:	-46,832.12	-37,873.77
Difference:		8,958.35

Not too shabby I would say, actually the numbers shocked me a bit.

I worked today. I got he strangest question over the phone. A client called and said that her and her husband had been away on a ski trip and while the were a way they had paid to have there cat bored at a Country Cat Spa. As it turned out they picked the cat up and it was very sick with something that they had used on the cat, an allergic reaction to the shampoo for instance. Now she had not paid for the Cat Spa on her visa card. But what she wanted to know was did her visa card medical insurance cover them for the vet bills!!  I explained that no her visa travel medical insurance would not cover the vet bills. I told her it might be worth taking the cat Spa to small claims court. But What I really wanted to say was "maybe its about time to start a Cat Fund!!!" I bit my tongue ;P