Saturday, January 28, 2012

Closing January No/Low Spend

Well I've done all the cleaning I'm going to do today. The rest will have to wait. With the snowing and blowing that is going on outside my window though it was a good day to stay in and do a bit of frenzied cleaning. I'm sure I got a fair bit of exercise to-ing and fro-ing with the vacuum and running up and down sets of stairs with heavy laundry baskets.

As Tuesday is payday and with plenty of food in the house and gas in the car I think I can call it a month and tally up my numbers. I'm very happy with my low spending this month - I was more conscious of every single dollar I spent than I've ever been before and I still have $300+ put aside to pay for The Flood repairs when the bill comes in February. I also have an extra $50 left and if I manage not to spend it before payday on the 31st then it's going into my Sealed Pot, every cent of it! I'm telling you I'm having so much fun with my Sealed Pot - I don't know which is better - having a NO Spend day or spending a little so I can put change into my pot! It's a tough call! (Thanks to sft for this great challenge!!)

I did spend a little yesterday, just couldn't help splurging after being so "IN CONTROL" all month! It's really not my fault! I had to go to the new Goodwill Store downtown because one of my students has been hired on there and I had to get him to sign a form. Since I'd never been there before I decided to have a look around - oopsy!! See, I didn't go straight home from school in order to have a NO Spend day, but heck, I can't stay home all of the time...can I?  I spent $14.00! There, I've said it, I've just blurted it out - FOURTEEN DOLLARS!!! eeeeeeeeeeeeeeeeeeeeeeeK!!  I bought two tops I didn't need - one was an H&M top with the price tag ($39.99) still on it and another gorgeous blue and white tie dyed top that looks so good with my jeans - how could I resist? Oh, and I've been wanting to get a candle holder of some sort for my Room of my Own and I found the perfect one! My favorite shape is the spiral I think because of my celtic roots.

So there you have it - I squandered $14 on a whim - can you see why I need a personal finance blog to keep me in check?!? Oh yes, and that wasn't the end of my spending, oh no, I also bought some Halls for my dry and scratchy throat - YES - I'm a wastrel!! 

In case you didn't read between the lines there that were dripping with sarcasm directed at myself then go back and reread tee hee! Just having Michael compliment me last night on the H&M top made the purchase worthwhile:) I may wear the other one tonight as I'm going to Jambalaya with a girlfriend and then we might go to a movie. I know I know - I'm out of CONTROL!! (Actually, my dinner will be free and the movie will be $9 and I have $30 cash in my wallet so whatever is left by Tuesday will also go into my pot!)

The next few months will be very lean. This is the time of year when my payroll deductions go waaaaaaay up thanks to the Canada Pension Plan so I will be operating on $500 less per month until July when I no longer pay union dues (July & August)  and then in August my CPP is all paid up for the year and I start to get that $500 back again. So a NO/Low February will not be optional for me. I'll go into the details for Carla's challenges tomorrow. For now I'll leave you with photos of my new purchases!




slugmama said...

Hehehe....I was going to wag my finger at you and your spendthrift ways but anyone who can use the word "wastrel" properly in a blog post gets a pass from me!lol

Enjoy your goodies. ;-)

saving for travel said...

Hi Jane,

Sounds like you are doing great.

I'm not sure if it's the same but my teacher's pension contribution will be increasing soon (April) too.

Good will shops are great value and I buy clothes there too when I can.

Good luck with next month's challenge too.

I've spent a nice time catching up with your dream today, reading various posts. WOW! What an inspiration you are!

Sft x

Jolie said...

I was with ya til you bought the Halls!!! Such a spendthrift :P

You did very very this month.

Debby said...

You are one wild woman for sure!!! We are sticking with the low as we can go spending challenge again next month as well, for many of the same reasons (gotta love taxes) Can't wait to get a peek into "A Room Of Her Own" you are such a tease to lead us all on!!! Congrats on your great month. What do you plan to spend your pot savings for?

~Carla~ said...

Geez Jane, $14.00?!?!?!?! I guess I can count you out this month! May as well hang out with the Kardashians now!! ;) lol! Love the goods you bought, the blue shirt will be gorgeous on you! I don't think I've ever seen you in "color"! lol! Can't wait to read your details for February! :)

Sharon said...

Those are great deals! Congrats on a great January. I'll be saving some cash in Feb. too (hopefully!)

Enjoy the movie, Jane, you deserve it!! :)!

SonyaAnn said...

I don't think $14 was a bad splurge. I think that its funny that you and I go to such great lengths to watch our money but in the end we really aren't bad at all. It's the ones that don't track what they spend. I would love to see their budgets and cut a bunch of their bills out for them. Now that would be a challenge!

Little Lamb said...

You had a pretty productive day too! I guess this weather is good for something. You also made some very nice purchases! Good deals! You will be making some VERY nice additions to your sealed pot! WTG!

Marguerite said...

A $14 shopping spree is hardly a terrible thing and look how much you got. I'm pretty impressed. Today was a miserable day here weather wise so lots of house cleaning was done as well. Now that I think of it I should probably go up and down the stairs a few more times to burn off that chocolate chip cookie I had after dinner.

Sharon said...

P.S. Thanks for the idea to close out January. I liked it! :)!