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. 

Commitments- How Debt Paralyses Me

When I first committed to paying down my student debt after the first $700.00. I was only able to put in $150.00 a pay cheque. This was because I also had all the sundry debts to take care off. Now that I have taken care of most of the Sundry debt, I have bumped it up to $200.00 a pay cheque. Once the Sundry debt is completely gone and christmas is gone, things are going to change. I am making a stance and committing to it now and you are all going to be my witnesses this World Wide Web of information and mass of people.

Starting January 1st I will put $300 per pay cheque into my student debt. This will only add up to $600.00 a month which is less then 50% of what I want to be putting into it. But its a start. I wanted to get a second job by February but if I get to go on this conference it looks like March 1st will have to be the official second job start date now.... sigh...


Its November now and I am silently freaking over February 2011. So much will come at me all at once:

* I will have a car by then

* I will have a car payment in what ever form

* I will have insurance and gas

* My first OSAP payment hits plus the 6 months of interest that has added up

*Feb. 23 I will en-role in my company stock option (10% of my income)

* The conference (if I can go)

All these extras and now I am committing to $600 into debt repayment

Breath, Sarah, Breath

I can do it, I can do it!!!