HST Cheque and Dilemma Solved

Today I deposited my HST cheque in to my TD line of credit. As such it currently stand at $-32,989.02. This number will be old in another 24h. I'm a little frustrated with work. Normally we get out pay stubs about 1 to 1 1/2 weeks before pay day. Only this time we won't get them until tomorrow which is pay day. The problem is with out exact figures my ability to budget it hindered. I know that I will know by tomorrow but I always like to know way before pay day. Another thing I was thinking about was that many PF bloggers post their bi-weekly budget. I haven't done that yet but I have been debating about doing it. Also many PF bloogers post there weekly spending and no spending days. I haven't done this because most of my days are no spend days. I don't have the same kind of over heads that come with having families. But I have been thinking that it might be good to start doing it for accountability. We'll have to see with this coming pay.

I have also decided what do do about my dilemma from yesterday. Because the amount that is going to be transferred from my chequeings account into my TD line of credit and because I put the $100 HST cheque into it today, I am just going to transfer the money left over into my vacation fund.

Since tomorrow is pay day I have made the transactions that said I would earlier this week.The following is a mount transferred in to the respective funds.

Car fund: $20.09

Vacation fund: $37.98

TD line of credit: $100.00

Choices

As you know I don't have a car. So to get to work I spent 2.5 hours on 2 different busses. As a result I spend quite a bit of time watching people. While riding the bus to work yesterday two different girls sat in front of me. The first one has a Puma bag and a Guess purse and the second one had a Coach purse and a small Coach purse she was using as a wallet. Both girls were around the same age as I am-early twenties.

What struck me was the contrast between myself and these girls. The idea of spending $100, $300 or $500 on bags blows my mind. The most I have ever spent on a bag was 15 euros when I was in Millano and even then my travelling companion had to convince me it wasn't a stupid waste of money. The idea of spending money on something to hold my money in has always been a difficult one for me especially when I will end up with nothing to put in the wallet. My current wallet is a mistery gift it was either given to my sister or I one Christmas. But no one knows for who or my whome so it just showed up on my desk on boxing day when we were clearning up the living room.

One of the things that I noticed about many of the Personal Finance blogs was that the people writing them confessed to being shoppaholics. This is something that I am definitely not!

I often wonder how people can be so in to cloths. It might just be me but I have never been part of the 'in style.' But the strange thing is that I have noticed I start trends. Nothing crazy or really 'new' but in my 'I can't be bothered about fashion' I end up becoming 'fashionable.'

What prompted this post besides the bag girls was two girls on the bus today. They were clearly friends and in there late teens or early 20's. But both were wearing the exact same things, not brands but style. Both had jeggins on with flat knee high boots. Both were in long purple tops (different shades), both had fitted leather jackets on and designer bags. Even more ironic both were heading off to the mall.

So I am curious is most of people's debt consumer as with the case of girls I observe on the bus?