On to Trenton, ON

I was very grateful to receive the above cheque from my insurance company today which was the deductible owed to me from my daughter's car accident in October:)

I made the following disbursements:
Line of Credit - $40.00 because I like nice round numbers
Emergency Fund - $$468.02

I know those two amounts don't add up to exactly $500 but I contributed a little from my misc spending in order to have a nice round number in my EF - which now stands proudly at $1300!!!!! Woo hoo! At $200 per month I'll have $2000 by mid-May. I am so excited!!

Now to come back down to earth. My goal in No Spend February is to stay on budget. Sounds rather lacklustre doesn't it? I've had to reduce savings, groceries, gas $ and misc spending in order to maintain zero budgeting due to having lower income in February. One thing I won't reduce is the $1200 payment to my line of credit (broken into 2 payments of $600.00 each), my monthly $100 charitable donation, $100 for Christmas or the last payment to top up my RSP of $323. So my No Spend February won't accomplish anything miraculous but it will help get me through the toughest month of the year.

March won't be quite so bad. I'll have a juicy tax refund to play with and my payroll deductions will be back to normal. I also plan to play around with numbers while doing my tax return - I'm considering other options other than an RSP and want to see what that will do to my refund.

Now off to my bicycle - only 62km to go until I reach Trenton, ON. Michael's son lives there (he's a firefighter on the army base there) so I'll have somewhere to rest while replacing the bandaids on my feet!