Weekly Spending Re-cap August 8-14

August 8 (Monday)
No Spend Day


August 9 (Tuesday)
$10 for Gas card for co-worker who's dad died.

August 10 (Wednesday)
No Spend Day

August 11 (Thursday)
No Spend Day

August 12 (Friday)
No Spend Day
August 13 (Saturday)
$12.34 Gas

August 14 (Sunday)
$19.21 Gas

Not bad, I only really spent money on Gas and I refuse to do a full tank until I get to PTBO. Gas is an average of $125.9-127.9/L in Toronto, where as in PTBO its $117.6-125.7/L  that a difference of 2.2-8.3 cents in price. And since I am going to be there for 3 days, I am holding out to fill out there. 

Snowflaking for the 'Good of it"

On Wednesday I got paid by my second job. Not a lot because frankly the week before I didn’t work a lot. But it was just under $90 by a few cents. For a while I flirted with what to do with it. Originally when I put the goal of getting a second job this year on my list it was to use the money to pay down my LoC. And I have for the most part, if I got paid $180, $150 would to my LoC and the other $40 would go to other stuff, maybe $20 for gas and $20 into my What if fund.  So I was pondering what to do with my less then $90 dollars. And I had this desire to allocate it to something other then my LoC, a very scary feeling. I ended up ‘talking’ myself into just dumping the whole amount into my LoC instead of splitting the amount up.

 Yesterday I got paid from my full time job and before I started moving around numbers I did a bit of calculations. As I was leaving the office on my way to my car I started to feel less ‘strapped.’ It's was a completely psychological feeling but a dangerous one. I felt like I had ‘money to spend’. Today as I am writing thing I can tell you I am back to feeling ‘strapped’ finically. Don’t get me wrong I didn’t go out and blow everything I made. I did spend it, but on things like my vet bills fund, retirement fund, car fund and the list goes on. However after I dished the allocated money out (I get shift premiums which I never budget for because it’s a varying amount) I have $58.48 left. $10 I put back into my Emergency Fund because I took $10 out of it earlier in the week, so that left me with $48.48. 


The question becomes though what do I do with the extra money. 
This is the most dangers kind of money I think. It’s these little amounts that slip away from you. So when you get your T4 statement around tax time and it says you made XX over your normal pay which means to actually made $40,000 instead of $35,000 and you can’t remember what you did with that $5,000. It just simply slipped away; it’s the $48.48 dollar amounts that add up to that $5,000 you can’t remember what you did with.

This was my delma last night what to do with that money. In the end I decided to put it in to my LoC. But I did realize something. I feel like I never make any progress on my funds, I think I piecemeal my pay to much. I am looking forward to when my Xmas fund is done so I can reallocate it. Maybe it makes sense to dedicate one month and put all the money in to one fund and all the money into another fund when the first fund’s dollar cap has been hit. What to you think???

Weekly Money Check-Up

1. The most I’ve spent this last week was a double payment of car insurance.

2. Today I am thankful for having hood health and not being addicted to something like cigarettes.

3. Money can’t buy happiness. One free thing I did last week that made me happy was started the process of emptying out the storage unit. It will be a lot of work but its good to at least start on the job.

4. I will consider this week a success if I get another car load of the storage unit moved out of the unit.

5. This time last year I was still writing my last couple of papers for my final course for my under-grad degree. I was a very poor student who had a very deluded idea about how much student debt I had.

Weekly Spending Re-Cap August 1-7

August 1 (Monday)
Shopper Drug mart $9.59 (meds because I got stung by a wasp while watering the flowers)

August 2 (Tuesday)
No Spend Day

August 3 (Wednesday)
$428.90  Insurance first and last month (planned spending taken from car fund account)

August 4 (Thursday)
No Spend Day

August 5 (Friday)
No Spend day

August 6 (Saturday)
No Spend Day

August 7 (Sunday)
Taco Bell $5.65 **

**I avoided doing this post because of the Taco Bell entry. A friend came over and I did NOT WANT TO EAT OUT!! But he pushed and I caved, I am still mad at this! I picked Taco Bell because I knew it was the cheapest place for a decent amount of food. But it was not a thrill to eat and I still cooked dinner once I got home because I needed to have stuff to eat for lunch today. I fell like it was the biggest waste of money. He does not understand my drive to get out of debt nor my reluctance to spend any money. He makes less then me but gosh does he live a larger life.

On our way to TB we have a conversation about B-day gifts. First I don't celebrate my birthday or would rather it not get celebrated. I am also not fond of gifts unless they are practical in some way shape or form, or something I really really want. I asked him not to get me anything, he said no to this. So I asked him to donate money to charity of my choice, he said no to this. So I asked him to get me a gift card, he was uncommitted. Then I told him flat out that I did not want any objects. I am trying to reduce the crap in my life and frankly I suck, SUCK at dusting!! He said no! ARGGG! Its funny really he has had a crush on me for a long time and I have in the past told him flat out that I would never date him. I have not told him every reason I would never date him, just that I don't see him that way, which is true. But let me tell you, one of my biggest pet peeves is people who don't listen when given specific instructions. Last year he wanted to get me a china doll, I told him I would return it. Thank God he had some sense to head my advice. I know that some people would say I am being ungrateful but there is a practical aspect to what I said. I have CATS that knock everything off, no place is safe! I was not willing to spend my days worrying about if this thing got nocked over and like I said I HATE dusting!

It bothers me tremendously when I tell people that there is nothing I need and thus want. Then when they give me something, can't understand why I don't use it and get offended that they spend all this money on something that is collecting dust. People always ask for lists and I just can't produce any. I just don't need anything and until I do I would rather people saved there money then spend it on objects.

** Sorry that was a bit more of a rant than it was meant to be...

July Line of Credit Update

June's LoC outstanding balance is $-27, 856.58

July 14~  $91.63 (GST/HST cheque)
July 14~ $181.81 (second job)
July 18~ $116.29 (pay 1 from full time job)
July 19~ $15.00 (snowflake)
July 21~ $150.00 (Second job)
July 28~ $200.00 (second job)
July 30~$525.00 (pay 2 form full time job)

Total paid $1279.73
Amount  paid after interest added $1279.73-105.35= $1,174.38
Daily interest for the month of July $3.398
Total monthly interest: $105. 35

Current outstanding balance on LoC $26,682.20
Current $15,000 extra fund stands at $5200.00. So $5200.00+$1174.38= $6374.38

Will have to up date my side bar now.

had a lovely chat with a guy from TD, I do enjoy calling in each month and chatting with them and I will be sorry when the time comes to change that... but not sorry to PUNCH THIS DEBT IN THE FACE!!!

Monthly Goals Update and New Goals

Well I really have dropped the ball on this one and haven’t done my goals update. 
July goals: 
1)pass pre qualifier for A&S PASS
 2) get Rez project for Duke of Ed filled out PASS          
-write letter for prof to rejig PASS
-mail book to prof to fill out(signed in person) PASS
 3)Get vol section for Duke of Ed signed KIND OF DONE         
 -fill out vol section PARTLY COMPLETE          
 -hand to TM to fill out PASS 
4)buy car PASS     
 -find car PASS         
 -buy car PASS          
-sort out insurance PASS
 4) Order credit score  PASS 
5) get ride of out standing credit card debt ($65) PASS 



Well all in all not a bad month for getting stuff done. 


August goals:
1) Empty storage unit 


2) Find a home for my piano


 3) Submit Duke of ED
 -finish vol section and get it signed 
- get physical section signed 
-do write up of expadtion trip 
-do write up of rez. Project and print out pictures


4) copy Funeral CD and give it to Charles 

Weekly Money Check-Up

Here's My Weekly Money Check-Up, courtesy of My Pretty Pennies.

1. The most I’ve spent this last week was on a new set of tires for my car from Wal-mart


2. Today I am thankful for learning about personal finance earlier in life. I wish I had learned/ implemented more of what I know before I had finished school but such is life.

3. Money can’t buy happiness. One free thing I did last week that made me happy was I went salsa dancing. 

4. I will consider this week a success if I  can get though this week without spending the last 10$ in my account. 

5. I dream about... Since this could be taken two different ways, I decided to answer both ways: At night, strange, wild adventures that include ppl in my life but has nothing to do with my life. And I dream about being debt free and able to buy my own place... no matter what kind it is (Condo, house, townhouse).


Also for anyone interested in knowing about my monthly LoC update, I still have to contact with TD to find out what the numbers are after my last payment went though. Also I have no idea what my goals are for this month, so that post is on hold for a few days so I can come up with a few things.