Merry Merry Month of May

The numbers for April are in and they're pretty good:

• the budget line for gasoline was $60 but I only spent $45 😁 yippee yahoo! Still have about a half tank of gas left. 
• the budget line for food was set at the usual $280 but I only spent $212 😁
• Utilities came in under budget by $35 😁
• Savings per month has risen to $1200 from $1000 which will shorten the amount of time needed to replenish money spent on new car😁 This means a smaller amount of misc spending money but so far so good. 
• Misc $$ was spent on: two movies- "Game Night" (fairly funny) and "A Quiet Place" (EXCELLENT!!! HIGHLY RECOMMENDED!!); two albums purchased from iTunes; a Scotland guidebook downloaded to my Kindle App; $55 spent on fundraising dinner; a pair of gloves used in grooming Luna and Lily ($15 on Amazon - they work really well!); a six-pack of craft beer; a couple of pints after volleyball; $65 spent on a spring tuneup and new rear brakes for my bike; $25 spent at Dollarama (but I don't remember what I bought!); $26 for dinner with family at Morrissey House (it was 15% off for women to make up for gender equity issues!); $15 at Walmart for cat food; $25 to The Red Cross
• Internet bill has risen from $79 to $88  😡
• Paid income tax 😡

Looking ahead at expenses for May:

• As it's my birthday month I get to pay the gov't $120 for a new license sticker for my car 😡
• I will want to purchase flowers for my patio and for the front garden - I'm hoping I can keep my purchases to a reasonable amount - HAH!! That almost NEVER happens - I usually overspend on flowers! 💚

• I will need to keep misc spending to roughly $90 per week so that I can move $1200 to savings. Done  By the end of 2018 my savings accounts will be back to their pre-car purchase amounts!! 😁 I see several trips in 2019!!!

I have budgeted $45 for gas but I hope to spend ZERO now that I have my bike ready as my main source of transportation in the coming months 😁 Also hoping I can keep grocery spending to a minimum.  In aid of that I received and used a $25.00 gift card from Loblaw's to make up for their bread price fixing scandal. That should get me through to the weekend!! I also have $40 in points that I can use for groceries if need be.

Was April kind or nasty to your monthly budget??

February Budget

Yup, I'm pretty much done with January.

I'm sporting quite the bruise after walking in Kilally Meadows - the trails are covered in ice about 2" thick - so yes, I slipped while taking a photo. The camera is ok. Yesterday when I was walking through I left my camera at home and walked more carefully. With a walking stick. Lesson learned.

January was an expensive healthcare type of month: renewed a prescription $28, had an eye exam $120 (all is well, in fact my eyes have improved so will be shopping for glasses soon) and dentist $230. You'd think for $230 I'd get more than x-rays, cleaning and polishing...like maybe a gold tooth or two? But I'm set for awhile. Eye exam is every two years, dentist is now once a year from previously going every 6 months, then every 9 months. Yes, I have excellent oral hygiene :) 

I paid for my healthcare expenses from my weekly misc discretionary spending budget line. So I had to be more frugal than usual with my spending. Luckily I underspent in a couple of categories, not by a lot but it helped. $60 was allotted for gas and I only spent $30. $280 was allotted for groceries and only spent $229. $70 was allotted for electricity - the bill was $$56. All the little extras were re-directed to my misc budget and even after buying wine (a necessity) I had a budget surplus of $116. So I had me a little splurge at the thrift shop purchasing 3 items for a total of $12. I'd been denying myself for quite some time - haven't been to a store other than the grocery store since Christmas shopping.

Nothing too fancy - I like trouser style track pants and was looking for grey - voila!

My eye was attracted to the material in this top - it will go nicely over a pair of black tights.

This v-neck boho top makes me think of summer and screamed "Sunfest"! Both tops are very light gauzy material which also packs well :) and can be layered with a tank top or long sleeved top for warmth. Just another wild spending spree a la Jane!

Oh yes, and my Amazon Prime membership was renewed in January for $90. I am very happy with this service. I order a lot from Amazon and while I didn't keep track I'm sure I saved way more than $90 on shipping fees. (my daughter also purchased a number of things under my name in order to get the free delivery.) Also included in the membership is a streaming service while not quite as good as Netflix, it's pretty close. And no overlap of programming.

I also managed to go to a movie ("The Post" with Meryl Streep and Tom Hanks - I highly recommend it! Very timely considering the attack on news reporting in the States), went out for lunch and out to Roxbury's a couple times after volleyball for a pint (and free pizza!). I've also set up a monthly withdrawal to go to Red Cross and January was the first month for that.

So I am really pleased with January's budget results. I still stuck a $1,000 into savings as I try to do every month but did not increase my snowflakes. I'll return to building that in February. I've made up a new budget to begin in February. I've received notice of my pension increases - I wish I could say that the increase more than covers the increase in my bills but my property taxes really went up a lot and there's nothing I can do about that other than grin and bear it. I think overall I came out about even. And that will have to do.

Are you closing off your January budget yet? How did you do this month?

What is a Snowflake Box?

 

A reader asked me today "what is a snowflake box"? So I am putting this question out there to my fellow blog writers because I think there are a variety of answers to this question. I hope my bloggy friends will add their own unique answers in the comment section that will help to explain this concept.

Here is my answer and I hope it makes some sense:

I was fortunate in being given a bright red box with a snowflake  design on the lid. It previously held aromatherapy bottles that I've used up over the years. This has absolutely nothing to do with the snowflaking concept. It just happens to be the right size for keeping money in. I know people who use a jar, an envelope, whatever works.

My understanding of "snowflaking" is finding extra money somehow and storing it in a container to use sometime in the future. This can be done in a multitude of ways. Here's how I find extra $$ to add to my box:

• I am the beer and wine bottle returner in my household. My daughter and her boyfriend tend to leave their empties in my house. Every two months I return those bottles and get the deposit. I add this to my snowflake box. Free $$  :)
• Many people have "side gigs" from which they earn extra $$ - they then add this money to their container.
• I over estimate my bills. Ex. I budgeted $70 for Union Gas this month but the bill was only $54. The extra $16 increased my misc budget line. This is one of the easiest and oldest tricks in the book and it motivates me to try to save on utilities
• I'm on a 10 month property tax plan. I don't pay in December and January. That is an extra $300 for the snowflake box. The idea being to save anything extra!
• Some people buy and sell on Ebay & Facebook. I hold one garage sale a year and add those funds to my box. 
• Other people, myself included, save and roll their change, turn it in for bills which they add to their container. Living in Canada those loonies and toonies really add up quickly. 
• I use my President's Choice Mastercard to purchase absolutely everything! This results in a minimum of $500 extra each year in points that I use very judiciously. 
• My biggest contributor to my snowflake box is by using a strategy I call "Grandmother's Purse" - I hope I can explain it properly. It's based on a very simple system my gramma used. She did it on a monthly basis whereas I do it on a weekly basis. It really works. For me. And did for my gramma :) 

Both my gramma (she passed away in 1986 but her incredible impact on me is still alive and well today) and I live(d) on pensions. Most of our "snowflakes" are derived from our set monthly pensions. We haven't had side gigs so we learned to squeeze our money extra hard. 

When my gramma got her pension cheques she would cash them and put the money in her purse. Her "everyday" purse. At the end of each month whatever was left in her purse, however little, would be transferred into purse #2; I guess you could call it her "snowflake purse".  She didn't spend the leftover money, didn't splurge on anything she didn't need, she would tuck it away and forget about it. She kept the snowflake purse hidden behind a pillow in her spare bedroom. Each month she would do the same thing: cash her cheques, pay her bills, buy food and tuck the leftover amount away. 

Since I also live on pensions, a set amount each month, I've had to get creative. I follow zero-based budgeting methods (create a budget where every penny has someplace to go) and after bills are all covered the rest of the money goes to savings, gas, groceries and misc. I divide the misc amount by four and take out that amount once a week. For December that amount is $120 each week. Every month it could be a different amount depending on my bills. I always try to have a few "no spend" days so that the misc amount will stretch out to cover 31 days. 

So far this week I've used $80 towards Christmas supplies - napkins, Bailey's for morning coffee, wine and chocolate. I also used $80 worth of my points to buy stocking stuffers. The remaining $40 may or may not end up in the snowflake box, depending on expenses for the rest of the week. It's funny but you'd be amazed at how motivated you can get by the idea of adding extra money to your snowflake box. I think and rethink every purchase. I can't tell you how often I've been tempted to blow the money on something. But my inner dialogue goes like this: do I need more clothes? NO!! Do I need more Christmas decorations? NO!! Do the cats need more toys? Hardly!! That usually stops me cold. So the hope is that I won't use the remaining $40 and I'll tuck it into my box. I admit this is harder to do in December but I'm trying :) 

Before you think that I am poor and deprived (or depraved :) let me say that my snowflake box paid for over 700 British pounds for my last trip abroad. I paid cash for my car. (That $$ came from multiple savings accounts in addition to snowflakes.) I recently purchased a Yamaha keyboard using savings. That is to say...I purchased with my mastercard to get the points then paid it off the same day. What a racket!! 

So...to summarize - at the end of each week whatever I have left in my wallet from my misc budget line goes into the box. I am encouraged to spend less so that I can put at least a little bit into the box. It really adds up. I don't think I could wait and do it only once a month - I find weekly is more gratifying for me. And I can hardly feel deprived when every week I give myself an amount usually in the $160/week range to spend on whatever I want! Right now there is $1000 in the box. Yes, I have a really good hiding place for it!! If for some reason I need to use some of it this month I will - I'm not a miser. Though once I put $$ into the box I really hate taking it out - it's some sort of psychological barrier - it becomes "untouchable" once it's in the box!! Whatever is left at the end of December will go towards my trips planned for 2018. 

Having something you're really passionate about, like I am with travelling, is also motivation for saving vs spending. I know a couple of bloggers who would agree with me on that!! 

Fellow bloggers: What is your version of snowflaking...do you use a box?? Where do your snowflakes come from?

How's it Going eh?

I'm back to using my fingers splint again thanks to a bad hit in volleyball last week though it doesn't hurt as much this time around. But it does make typing a challenge :) 

All around this has been a challenging week or so. The son of my first cousin, so my second cousin, passed away at the age of 50, from cancer. During his cancer battle his dad was also being treated for a brain tumour. Then an aunt passed away a few days ago and when I went to the funeral home I saw a notice that an old friend from childhood days and to whom I was related to by marriage had passed away - another battle lost to cancer.

Hey Darth - did you drop something?

My grandmother had a saying - "a green Christmas fills the graveyard" and I believe there is some truth to that.  Viruses and superbugs that don't get killed off with the milder winter temperatures wreak havoc in hospital wards. The hospitals here in London announced recently that 9 people have died from a streptococcus outbreak! And they are running out of ways to treat this which is very scary. We've had several mild and green Christmases the past few years - on my way to Norwich yesterday the golf courses were very busy!

Eyes everywhere!

While I love to walk through Kilally Meadows in mild sunshine I would embrace a cold snap right about now. And let's not forget how farmers rely on deep snow cover in their fields during the winter months.

Climate change is here and denying it like ostriches with our heads in the sand isn't going to do any of us any good in the long run. Other bugs (and I don't mean viruses this time) and beetles are heading into Canada and the northern states as their territory expands. Longer warm seasons encourages migration of various creepy crawlies - the pine beetle is an example of this and is killing trees by the thousands, maybe millions!

Okay, really didn't plan on going off on a tangent there!  Sometimes it just happens.

So....onto the financials! Those are looking pretty good thankfully. My snowflake box now holds $1,000 - Christmas is officially covered. And I only have 3 people left to buy for - yippee! And the house is decorated...well...the tree is up and has its lights on but the decorator - Kazi - hasn't had time to put on all the baubles yet. Maybe later today...she is with her sister Hannah today - Hannah is being raised Catholic and today is her confirmation. Kazi went over early to do Hannah's hair and makeup. Told her to take pictures so hopefully...

Faces galore!

 With regard to the budget:

• my share of the car insurance has shrunk by $10 a month - I'll take it!
• internet has decreased by $30 a month - hurrah! (now I'm going to look for a better, cheaper cell phone plan)
• I'm on a 10 month property tax plan so no taxes to pay this month or next :)
• I budgeted $70 for heat, hot water heater and dryer and it came to only $54!
• I budgeted $70 for electricity but don't have that bill yet - in winter we use an electric fireplace in the TV room so that it's nice and cozy in there, down there?
• I increased my food budget for December and have $80 set aside for gas. I may use it all this month what with trips out of town but that's ok. 
• The budget is balanced and hopefully I can keep spending in check. I must admit I've been tempted to buy new clothes, new hiking boots etc but so far so good.  Tis the season for shopping but not on myself!! Not til the new year and boxing day sales!!

 I'll have a nice pay raise in January so looking forward to that. It would be super nice if the raise in pension was higher than the increase in my bills! Well, I can dream, can't I? So far I think property taxes are being raised by 3.8% - boo! Condo fee is being raised as it is every year though I'm not sure how big the increase is. I've stuck the notice in a drawer and am too lazy to get up and get it for you.
Sorry. Not sorry.

I have about $500 in misc spending for December - hoping I don't use it all so that I can start buying British pounds. The $500 has to cover the remaining Christmas gifts, extra food and alcohol, stamps for cards, entertainment and so on. I'll stretch it as much as I can.

That wraps up my update for today. How are your Christmas preparations going?

November Crunch is On...

Apparently a snow squall warning is in effect for these parts- meanwhile the sun is shining. I am not complaining!

I am considering this photo of Lily and her Christmas mouse for Christmas cards this year...

Cheery....no?

My chili stretcher week was a success (chili with buns; chili on top of a baked potato with sour cream and taco salad - romaine, scoop of chili, grated cheddar and crushed tortilla chips) but there are still 9 more days of eating before the next budget takes over. I grocery-shopped on Monday and used $20 of PC points in addition to the $70 that was left in the food budget. Not to worry (though no doubt I will anyways) as I have put a meal plan into place. After reading all of your posts the past 10 years or so I don't know why I wasn't meal planning sooner!!

Upcoming yummy dinners include Tuna Melts, Chicken Fajitas, Salmon Patties, and/or Salmon Steaks, Stuffed Peppers, Jerk Chicken and Breakfast for Dinner. 

That's not quite 9 dinners but I get two meals out of some of these recipes and sometimes more if Kazi eats at her boyfriend's house or goes out with friends like she did last night. So I'm pretty confident that I'll make it to the end of the month before the end of the contents of the fridge :)

My Snowflake Box (extra savings squeezed weekly out of my misc budget) currently holds $620 with about the equal amount being added in December. Christmas is paid for - hurrah! And my PC points will cover extra food, what I need for baking and stocking stuffers. Yes, I still do a stocking for Kazi although she is 27 years young. She says it's her favourite gift. All I do is go to the Superstore and purchase lotions, facial masks, hot chocolate, toothpaste and other drugstore type items and then wrap each one with the odds and ends of leftover Christmas wrapping paper. Covered by points it costs me nothing but time. So why mess with tradition?

I don't usually do a lot ahead of time though I do have a turkey frozen since the Thanksgiving sales. I have gifts for one of my brothers (he's so easy to buy for) - I bought him a book by an author we both love about the "WILD" parts of Scotland, a CD called "The Secret Path" written by Canadian superstar rock god Gord Downie of the band "The Tragically Hip" who recently passed away from a brain tumour. The CD is about a young indigenous boy who ran away from a residential school in winter and was found frozen to death. True story. My brother makes his living as an oil painter and told me the last time I visited that he wants to explore stories of Canada's First Nations people for inspiration for his paintings. Whenever he tells me these things I tuck them away in my mind as gift ideas :) The other thing I got for him is sheet music for Mendelssohn's song about Fingal's Cave on the Isle of Staffa. My brother plays piano and we plan to see the Isle of Staffa next year if all goes well! 
I'll post the song by Mendelssohn in a separate post.

Now if only the rest of my family was so easy to buy for! My great-nephew is 10 and I have not a clue about what 10 year old boys are into these days - his Thomas the Tank Engine days are over unfortunately!

Suggestions??? Anyone???

November Numbers: New Budget

Good-bye October and HELLO November!

I experienced some belt-tightening in October due to the new car purchase which left me with a much smaller amount of Misc money for weekly spending. Knowing I couldn't play "fast and loose" with my funds I was way more careful with misc spending than I normally am! So...even on a reduced budget I managed to squirrel away more money than usual in my snowflake box! Yippee!!!

A number of factors helped me stash away extra snowflakes:

• I had set a gasoline budget of $80 for October. I didn't use any of that! When I bought the car the tank was full and I didn't buy any gas during the rest of September or October. When gas went down in price Nov. 1st I filled the tank for a cost of only $40! Looks like I won't be overspending on gas though I anticipate using more now that it is getting colder. If I can make it til the end of November without buying more gas I'll have another $40 to add to the snowflake box :)
• Both electricity and natural gas bills came in under the budgeted amount. It's been a mild fall so far and I haven't had to use the furnace much yet or the electric heater downstairs in the TV room. 
• I was very frugal with my grocery shopping this month. I'm still eating from the package of 5 chicken breasts that I bought: first I made fajitas (lasted 2 nights), then I used some in a pasta dish (1 dinner and Kazi took the rest the next day for her lunch); and then I made chicken vegetable soup with the remainder which I am still eating. (yes, chicken was frozen after being cooked!) I had $50 left in the grocery budget which went into the snowflake tin. 
• November will brings its own savings opportunities. I have switched to a cheaper internet package (more gigs at a lower cost!) I have been paying $93/month for 200g. I was browsing my internet company's website (Rogers.com) and saw a different, cheaper package so I switched. I don't know how much exactly my new bill will be what with taxes and so on but should be in the area of $60 for 250g.
• My share of car insurance is going down by $11/month - that's not a lot but it's money in my pocket instead of the insurance company's!
• I've also paid off $2,000 on my credit card: this was the maximum the car dealership would accept from using a credit card to pay for a car. As interest could accrue it was the first part of the car's cost that I paid off.
• I have made another purchase (a Yamaha keyboard-Merry Christmas to me!!) and paid most of it off (a different credit card). When I receive a GIC interest payment later this month it will go to pay off the rest owing on the credit card. By the end of November I will be 100% debt-free once again. 
• Now that one c/c is paid in full I have also repaid my savings in the amount of $500. Having no debt means that starting in December over $1,000 per month will re-build my savings to my pre-car purchase balance. If I didn't travel my savings accounts would be totally repaid in 10 months but as I have plans for a couple trips next year it will taken longer to rebuild my savings but that's ok. Can't be frugal all of the time! 
• Come January my pension will receive an extra bump up due to increased cost of living raise. When I first started receiving my pension not ALL of my pension received cost of living increases. That was due to the pension plan not doing as well back in the financial crisis of 2007-8. But now that the stock market has recovered my entire pension will receive the cost of living increase. I'm very happy about that! I know how much the gross amount will be but not what my net increase will be. 
• By the end of November my snowflake box should hold about $500.  Along with my PC points from using my President's Choice Mastercard for all purchases (currently around $100) I will have $600 saved for Christmas. I will also have an extra $300 from not having to pay property taxes in December or January (I pay my taxes on a 10 month plan)! That should cover any additional expenses during the very expensive month of December:) 

And there you have it - my spending adventure (car and keyboard) is over for now. Snowflakes are growing and by the time the real snow is on the ground I'll have Christmas expenses covered. Having a plan and sticking to it really helps. I must remember that as I plan my travelling for next year: Prince Edward Island, British Columbia and SCOTLAND! 

March Money

So many of you, my fellow blogging friends, live quite happily on a strict budget and make "living on less" a game or a challenge. It's comforting to know that there are so many people, besides me, who are whackos live this challenge daily in order to reach important goals. For many of us that goal is TRAVEL. 

Sometimes I am questioned by people for walking to places that they drive to. I explain that I have a budget line for gas and to make it work then I have to walk to a lot of places. "But you have the money" is a response I sometimes get and yes, I do have the money but I'd rather walk and put more of my money into my travel account. This isn't about being "poor" and making do. It's about making choices and prioritizing those choices. The day will come when my priorities will change (hopefully not soon) and I will save for something else.

I have learned many "savings hacks" from all of you, along with some great recipes, and I appreciate that we freely share our frugal ways.
U da bess!

My monthly budget has a "misc." budget line which is quite generous and covers lots of things: clothing, books, music on iTunes, going out for dinner, playing volleyball ($2.00 a week!), going to movies, things for the home, art supplies, gifts, charitable givings, general mad money and so on. Some months there are more of those things than my misc budget can handle so I'll move something to the next month, (like renewing my passport). This month I had to pay out $220 for truck maintenance and instead of moving money from savings I decided to try covering it from my misc. budget.

So things are a wee bit tight right now as I'm trying to leave my savings alone. Thankfully both pension amounts will be in my account by Friday - I just need to make it to Friday on the $165 I have left in my chequing account. Shouldn't be too difficult. I only need to buy a few groceries. All the bills are paid. I should even have money left to purchase a few more British pounds :)

Fresh New Budget!

This was a month of spending......for my trip to Scotland! Everything is paid for by my Travel Savings Account. Otherwise everything else is about the same.

The Good:

• overestimated utilities by $30.00 - the weather has been much warmer than usual for this time of year!
• I underspent for gasoline and food! I went to the grocery store only 4 times over the month spending $197 of my $280 budget. Kazi ate out a lot with friends - that's the only reason I can come up with why my food spending was so low. Not complaining :) Also had $20 left in the gas account. I've been walking a LOT! as it's been so mild.
• Interest from investments comes due in Feb. and March which replaces a lot of what I spent on travel. 
• went to the 27th annual Firehall reunion! I used to go to the Firehall before they started having reunions ( a loooong time ago!!) - my initiation into the blues! It was an awesome night made even awesomer by the fact that Kazi tended bar that night so my friend and I got in free ("we're on the list") and got free beer - love you Kazi!
• Transferred $1,000 to savings - my usual monthly amount. 
• Have enough misc fund money left to purchase more British Pounds Sterling :) 

The Bad:

• my original iPad has been gradually falling apart and not functioning well. I used it mainly for reading: both downloading books from the library and purchasing books via my Amazon Kindle app. To me this is a NEED not a WANT (or maybe it's both!) so I forked over $372 for a new basic mini-iPad. Used savings to cover the cost. I love the smaller size for reading in bed. I can't tell you how many times I have fallen asleep while holding my big old iPad and the pain when it hit the bridge of my nose was awful! The mini doesn't hurt nearly so much 😂 !!
• Ummmmm, need to rein in the Amazon spending spree! And iTunes! It's just way too easy to purchase music and books etc especially now that I have free delivery on many items from Amazon. I purchased several guide books for upcoming travel, a few other books which support my future plans, and a COMPASS! I just need to learn how to use it! 
• Had to pay, yes PAY for a haircut for the first time in 15 years. It was less than $20 but still...
• Renewed my Ancestry.ca membership ($299) paid by savings

Misc Spending:

• In addition to the above I had a nice dinner out
•  went to see "Lion" - the movie about a lost boy in India who gets adopted by a couple from Australia and how he finds his home village using Google Earth. Excellent movie - needed multiple kleenexes however! 
• Paid for Turbo Tax and completed my taxes - yippee! 
• two trips to LCBO (one was for a birthday party of a friend - honest!!)
• have developed an addiction to pistachios!! $10.00 a bag!! Oh well, could be worse...right?
• okay - here's a good one. Apparently I bought a top and can't even remember what it looks like! I guess I didn't really need it, did I?

So a very spendy (in a good way)(mostly) kind of month! 

Bring on March!! 

January Recap

Due to the terrible events of the past week or two I haven't posted much. So...I'll get back into the swing of things by recapping January's budget.

What went well: (almost everything)

• the cost-of-living increase in my teacher's pension was TO THE DOLLAR exactly equal to the increases in my bills: property tax, condo fee and insurance! Sometimes the system works. That allowed the increase in my Canada Pension Plan ($8.00 whoopdedoo!) to be added to my savings.
• Saving $1,000 per month is very doable. Tsf'd $1100 in January to savings. (Travel fund:)
• Overestimates in utilities put $46 back into my misc budget line. It's just not been that cold so far this winter.
• Didn't have to pay property taxes this month as I am on a 10 month schedule. Went to savings instead.
• Overpaid insurance so received a credit in January and NO payment til Feb. Extra went to savings.
• Received investment income. Rolled it over.
• Due to various bits and bobs my misc spending budget was $675 in January!! Out of that I saved enough to buy 250 pounds sterling! 
• Received GST refund ($105 4 x a year) put it into savings
• Came in under budget for gas $75/$100 & groceries $255/$280. Extra went to misc.
• Even with that I finished January with $31 in my chequing account. Added that to February's budget.

What didn't go quite as well but wasn't too bad considering!

• $60 for eye doctor because of Posterior Vitreous Detachment issue - have a checkup in a week which is also covered by the $60 payment already made. Don't feel too upset about that bill!
• $37 for a prescription

January was a great month!!

Misc spending covered:

• two meals out (Hong Ping with a friend & Swiss Chalet with my neighbour - an annual Christmas treat)
• Wine and Food Show
• Purchased Amazon Prime for a year which also includes Amazon Prime Video streaming. Comes to less than $7.00/month
• Art supplies ordered through Amazon (free shipping :) 
• added $ to my Tim's card and my Starbucks card
• Home Depot materials to fix electrical outlet
• Walmart - craft supplies (political sign-making)
• Google storage
• 250 pounds sterling

Stay tuned for February's budget recap when I proceed to spend twice what I saved in January!!

(Scotland trip is shaping up!!)

Another Year Another Budget

Living on pensions, as I do now means my budget is pretty much set for the year. Same amount of money in, same amount of money out. The rest goes to savings and Misc. However, a new year brings cost-of-living increases and of course the inevitable increases in monthly bills.

What goes up:

Income

• Teacher's Pension
• Canada Pension Plan
• Savings - comes out of my pensions but worth a mention. My monthly savings amount has increased due to now receiving the CPP. All of it goes into savings so what with investment interest etc I am saving roughly $1000/month. And we know what that goes to - TRAVEL (and large items like a new appliance or furniture) but mainly TRAVEL!!

What goes down:

• GST Rebate - Prior to receiving the Canada Pension Plan I was eligible for a tax rebate which was $105 every 4 months. Now that I am receiving the CPP my income is higher therefore I may no longer be eligible for the rebate. I will receive it in January and April however. As for what I'll receive based on 2016 taxes shall remain a mystery until July 1st.

Hah, short list! 

What goes up:

Monthly bills

• Property taxes - well, I'm assuming they'll go up, I've never known them to go down! But it usually takes a few months for City Council to figure out by what percentage they'll increase. I wait with bated breath! 
• Condo Fees - guaranteed to go up every January. I'm sure I received notice of how much but I don't feel like going up to my office to rummage around (my filing is a trifle behind) so we'll just have to wait and see. I budgeted $290. 
• Cell phone - will remain the same (I hope)
• Internet - will remain the same (same hope)
• Insurance - things are in flux with insurance - I think I have a credit coming to me in January (about $20) and then my regular payment beginning in February is $134/monthly. Kazi has her own policy now so I'm paying for Dougie the Dodge and condo insurance. That is up a little but not much. I had an at fault fender bender in 2014 so that will continue to affect my insurance for a couple more years. 
• Union gas (heat, hot water tank & dryer) will increase a bit due to carbon taxes. I still pay the least of anyone I know averaging $30 in the summer to $80 in the winter. Yes, Kazi is always cold; you think she'd be used to it by now :)
• London Hydro - electricity for my American friends. Continues to go up and up and up! Still reasonable though I think. I budgeted $80 as we are using an electric fire in the TV room as it is in the basement. 
• Netflix - $9.99 no change.
• Reliance - I rent my hot water heater. I remember when that was about $8 a month - now it is $35.00 and will likely increase at some point. The cost usually goes up once a year. 
• Misc - covers my allowance :) and I rejig it to reflect the amount of $$ I have left after paying the above. It's usually around $150+/week. That covers meals out, clothing, wine, wine, wine...etc. household items...wine...wine....scotch...
• Variables: gasoline & food - I have been over funding my gas budget for quite some time so have cut it back a bit ($100 monthly); food continues to be a little overfunded as well so have cut it back a trifle. ($280 monthly). Any extra left in either budget line gets carried forward to the next month.

Remains the same:

• Debt - ZERO! I continue to have no mortgage, no loan, and no credit card debt. 

So there you have it. I'm hoping that by February changing amounts will be set for the rest of the year. There is a lot of hope in my budget! All I can say for sure is money will show up in my account once a month and I'll do my best to get rid of it. 

P.S. I had money leftover at the end of December. Since I practise zero budgeting I'm wondering if I forgot someone's Christmas present? 

P.P.S. I kill myself! 

Let the Good Times Roll!

Good things just keep on happening! Yesterday I noticed a deposit in my account of $205.00!! The info just said "EFT from Canada". I had no idea what it was. So I went onto my Service Canada Account which provides info on our tax returns & rebates/credits, Employment Insurance, Canada Pension Plan, Old Age Security etc. It turns out I'm now eligible for a provincial rebate of Ontario Sales Tax, property taxes and an energy tax credit. I googled and saw this post heading: Ontario's Trillium Benefit - a New Way to Help the Poor!!!!!!!

I'm still laughing! All the way to the bank, poor me!! The bad news is I only get it once a year - boo hoo hooo!

Including my GST rebate I received an extra $310.00 this month. I'll take it thank you very much! I have a lot of extra expenses this month with my upcoming trip to Ireland. And I have the same amount of money in my misc budget line as I did at the beginning of July! Not to mention the $160 in my gas budget line that I likely won't use. (blows kisses in the general direction of her bicycle :)!!

And I've spent $$$ on new clothes (cheap), socks, undies, bandaids etc etc etc. I've purchased Peterson's Field Guide for Birds and his Guide for Wildflowers.

I've paid off my Mastercard in full, spent $63 at Talize on thrift store clothing, spent $60 at Sunfest (a T-shirt, food and beer), bought a bicycle tire pump, a curtain rod etc etc. I think July is going to become my favourite month!!

The bad news (such as it is) remains the weather - I'm sure I could cook up some fried eggs on the hood of my truck! It's dry dry dry as a bone here and so hot!!! We always have major humidity here in London which makes it feel a lot hotter than it actually is. I think we're at 39c (102.2F) at the moment so I'm staying in today and I made salsa and Greek Quinoa salad. So we're set. The kitties have their little faces squashed up to the patio doors - they don't understand. Well, they would if I booted them out. But then I'd have to go out too and I just can't. I'm wishing and hoping for a thunderstorm.

So that's today's news - all good pretty much. I can't do anything about the weather except complain.
Are you sweating or shivering??

Oops, Ouch and Eek!

Monday Money Madness!

I thought this picture was very apropos because I have NOT been keeping track of my money. And that's not like me. But I know why...........................................................................................................!

It's because my bank accounts look like a bathtub with the plug pulled! All swirling away down the drain..glug glug glug. That little metaphor reminds me of a time when Kazi was about 2 and she was in the bathtub watching the water go down the drain. She peered into the drain and said "is anybody in there?" No answer.

Well I DO have answers...I just don't want to face them! I'm in "money denial!" So much so that my dentist's office just called wondering why I hadn't shown up for my appointment this morning! Ooops.

CAA comes off this month too.  Ouch!  Plus I'm going to pay the remainder of my Ireland trip to the company who organizes the B&Bs/Inns and transfers out suitcases from place to place. Eek!

Some of my bills this month have been reduced so the news isn't ALL bad. The city has finally figured out how much property tax I have to pay this year and I'm going to save $3.00 a month!! Big whoop! My Union Gas bill was only $33.00 this month as I turned the furnace off (mostly). The electricity bill was down by $10.00 no doubt due to the extra daylight hours and not needing to turn on the electric heater in the basement TV room. AND because I'm cycling for cancer research this month I still have 3/4 of a tank of gas left in the truck! I won't be putting in any more gas til July and maybe not even then :)

Food costs are UP UP UP!! Cherries are $6.99/lb and I have indulged. Strawberries are $4.75/qt and I have over indulged! Kazi's boyfriend has been visiting so that means buying more meat etc. Oh, and wine and beer. And snacks.

I think I've done a pretty good job so far with my Misc budget line. I'm trying to rein in misc spending so that I can cover CAA and dentist without touching my savings. Fingers crossed. I guess I should check but I haven't because I'm in.......MONEY DENIAL!! 

Okay, I promise myself I'll update my budget as soon as I'm done this post unless I can think of some way to distract myself!

Hmmmmm, I wonder what I should have for lunch...

Oh look, this is how Lily lies in her bed when it's 32c + high humidity!!

 Airing out my tummy.

Mid Month Money

Sooooo,  yesterday I got the computer all set up and a title on my post and somehow I ended up in the workshop!  I'm one of those people who starts a lot of things all at the same time, instead of doing one thing at a time until completion. I might decide to vacuum but on my way to get the vacuum cleaner I see a lot of cat toys everywhere so I start picking them up and forget about the vacuum. Then I remember I need something from the truck so I head out to the truck and end up driving to Timmy's and buying a coffee.

Then, oh yeah, I need to vacuum; but I should pick up some milk since I'm out. Home again and guess what...it's time for lunch! I'll just take a minute to get the mail from my mailbox. Ooooooh! Flyers! I'll make lunch and look at the flyers while I eat - MULTI-TASKING!! Where did all of those dishes come from? I'll just do them first and then I'll vacuum! Oh wait, what are we going to have for dinner?  And so my day goes...

Obviously I'm much better at budgeting than I am at getting things done around the house! Which I guess is a good thing. March is one of those months that really seems to last a verrrrry loooooooong time! Perhaps because February is usually 3 days shorter.  Whatever the reason I would be happy if March was over, but alas, still two weeks plus a day left. Will I make it? Or more to the point will the money end before the end of the month? Possibly.

• my Misc budget stands at $230, it should be at $290. I accidentally downloaded a bunch of music from iTunes, about $33 worth.  But that's fun, right? It's the UN-fun uses of my Misc $$ that I resent. Like $27 for a prescription yesterday and the $7 I spent on the useless artsy craftsy get together but on the bright side it doesn't affect my bottom line by much. I visited a friend last Saturday and stopped to buy snacks on the way - I tried to be virtuous by going into the health food store instead of the grocery store and purchased some "nutritious" snacks HAH!! Two bags of handmade potato chips made with coconut oil instead of the usual - soooo good! And a container of those yummy stove-top chocolate/coconut cookies made with NATURAL RAW sugar! I felt so health conscious that we proceeded to eat all of it!!!!
• my GAS budget is doing well again this month - I have spent just $76/$160 (just filled up 2 days ago so might make it til the end of the month.)
• my FOOD budget is a bit low - I've spent $210/$280 with a big shop done Monday. I think I can make it on $70 for the rest of the month. 
• my small emergency SNOWFLAKE box is sitting at $49 which I can use if I need to. 
• That's it for my variables; everything else stays the same from month to month except, of course, utilities. So far I've underestimated my utility bills for Jan., Feb., and March by approx. $35 - $40. 

So there you have it. My budget lines are a bit low for this point of the month but the truck is full of gas and the fridge is overflowing so I'm not worried. I'm really hoping I can tsf another $50 to savings to make for some nice round numbers - I like my savings to end in nice round zeroes. We'll see. I know that I'm working with small numbers here which I am really happy about. I'm one of those people who plugs away very methodically with my budget (not like household chores!!) I can look down the road and see where I'm going to be financially. Saving $400 per month is pocket change to many people but over a year that's almost $5000 - more than enough for another fantastic trip and some household renovations!  I never go on shopping sprees except at my local thrift store :)

I finished that sculpture that was causing me grief - it's all sanded and polished and ready for the camera. It's not my best work but I like it. I'll take some photos and show you tomorrow.

In the meantime I hope your "Mid Month Money" situation is in good shape! 

Bye Bye January!!

It looked like I was going to end up with money left over at the end of January's budget but, alas, I had to replace my laptop charger after a kitten who will rename nameless decided to give it a good chew! Woe is me.

Hard to believe that these precious munchkins love
to eat my cords!! Such dumplings!

 And, prior to that happening I had a little thrift shop splurge at Talize so I actually ended up spending about $5.00 more than I should have. Woe is me again.

Meh, no biggie. I'll just take that off my misc budget for the first week of February. Actually, I'll be ahead of the game as Kazi is paying me back today some money I loaned her for a car repair - that will go directly into savings.

Happily I also got a $30.00 monthly pension raise :) which along with a $5.00 weekly decrease in misc spending allows me to put $400.00 into savings monthly instead of the current $350.00. That puts a smile on my face!! When I look at my budget it seems like I spent a lot of money this month AND I managed to tuck a little extra into savings over and above the usual automatic transfer of $350.00.

Misc Spending:

• $120 for an eye exam
• $50 for charitable donation
• $38.19 Walmart (?) no memory of what I bought! Must have been really important!
• $14 - movie
• $11 Value Village ( a brand new area rug and a shelf for my treasures)
• $17 - Shoppers Drugmart (chapstick and lipstick)
• $8 to play volleyball
• $40 - wine and food show
• $8 - music from iTunes
• $58 - Michaels (yarn, 2 frames, rub-ons)
• $9 - pint at book club meeting
• $45 - new charger (that hurts!)
• $55 - thrifty splurge at Talize - a lovely black and white quilt (for $10!), brand new set of flannel sheets!, a gorgeous green/gold paisley throw that is backed with sheep skin!, 3 new tops (2@ 50% off) (will post photos once I take some!)

They look so innocent, don't they?

As I allow myself $150.00 weekly for misc spending these expenditures represent $473/$600 misc spending for January. The discrepancy is cash withdrawals (and a couple little transfers to savings) throughout the month which paid for a breakfast out with a friend, a lunch out with a friend, 2 movies that I saw last week, yoga fees, coffees, newspapers and so on. 

I came in under budget for gas (spent $67/$160) and food (spent $242/280) so that helped with extra amounts I put into savings. Also received some interest from an RSP that bumped savings up a bit.

At the end of 2015 I decided that I want to give a monthly charitable donation of at least $25.00. I exceeded that in January by donating $50.00. The other thing I want to do is buy one Christmas gift per month to lessen the sting in December. I accomplished that by purchasing a large piece of material for my friend Julie who creates banners for activism purposes. 

This fiscal year is off to a great start. My taxes are finished and ready to netfile on Feb. 15th. Due to decreased income and income tax paid thanks to now living on a pension I will only receive a refund of $200 (last year's was $1236) but I am thankful I don't owe any money to the tax dep't!!

Did you end up with money at the end of January or did you break even? 

Financial Goals - Do I Have Any?

What's today....Sunday?  That's the retired life people! Not knowing (or caring) what day it is!

I got a little melancholy as I packed up the Christmas decorations this afternoon - then I had a beer. And 2 pieces of cashew brittle - I feel much better now, at least until I crash after all that sugar.

Yuck yuck.

So where was I? .... oh yeah, financial goals for 2016. Let's see....well, there's good news and then there's bad news.

GOOD NEWS:

• I'll get a wee pension increase.

BAD NEWS:

• it won't cover fully the increases in my condo fee, electricity, insurance etc etc

GOOD NEWS:

• Union Gas (heats my house, heats my hot water tank, runs my dryer) is GOING DOWN a little bit next year!! Woot woot - no bad news there (to my knowledge!)

GOOD NEWS:

• I turn 60 this year (wait...that's not the good news)...so I will start drawing on my Canada Pension!! Yes, that's the good news! Hundreds more dollars a month added to my budget - I estimate I can go from saving $350 a month to saving $1,000 a month! I see more travel in my future!! 

BAD NEWS:

• Had an expensive repair on Dougie the Dodge  but...

GOOD NEWS: 

• my mechanic told me Dougie should last at least another 4-5 years! Right now it's 16 years YOUNG! So I've decided it makes more financial sense to keep driving Dougie instead of spending big bucks on a small car. What I also like about having big ol' Dougie sitting out there in the parking lot is I tend to walk/bike more to do errands instead of driving. Good on gas and good for me!
• More good news - I had exactly enough money for Christmas and all of the many December needs. On Dec. 31st I had $70 left in my wallet and I used it to rent movies and buy Chinese food. I stayed on budget this Christmas and I feel really good about that. But I was anxious about it all month so tonight I'm going to sit down with my day planner and make a notation each month to buy a Christmas gift so that when next December arrives it won't be so anxiety provoking. I just gotta do it!
• I have NO debt. Not one nickel.
• I've been saving my change - I have almost $70. It's just a wee household emergency fund. For example....today I don't really feel like cooking so I might order a pizza. Saving my loonies and toonies and some $5.00 bills means I always have cash "on hand" just in case. 
• I received a Starbucks gift card and a Tim Hortons gift card for Christmas - that will augment my misc budget this month
• It's time to transfer $5000 from my RRSPs once again. I can do this once a year and it goes into my travel account - of course the gov't takes their share (10%) right off the top so I really only get $4500.  I'm interested to see what my tax situation will be like this year - this is my first tax season that I've been on my pension the whole year. I know I won't be looking at $2,000 tax refunds anymore but I hope I get a little bit back at least and don't have to pay!!

So...to sum up my 2016 financial goals - SAVE SAVE SAVE and spend less than I make each month! I have no large purchases to make (as of this particular moment in time - touch wood touch wood touch wood!!); I don't plan to buy and then immediately sell any real estate this year :(  (I was on a learning curve, what can I say?), and IT'S FINALLY SNOWING A WEEK AND A HALF AFTER CHRISTMAS!!

Do you have a NEW budget for 2016 or is it the same old same old?

Blogger Blues

My new header photo isn't working out but at the moment blogger won't let me remove it so we're stuck for now with a monster-sized photo that floats around. Isn't life fun?

So, I'm going to update my budget quickly then get out for a walk as it's supposed to get up to +12c today!! Woot woot - and the sun is trying to peak through!

Tomorrow it might snow.

Shopping was easy peasy cheapy today. I like that! I could only squeeze $19 worth of gas into Dougie the Dodge. Still have $86 left in the gas budget. Food costs were pretty low today too - $38 spent at No Frills and $6.54 spent at Giant Tiger. That includes 2 packages of chicken (on sale) and lots of fruit and veg (2 pkg of blueberries, a pineapple, bananas, 2 cans of mandarin oranges, 6 avocados, a pepper squash, 2 bunches or green onions, 4 x-large tomatoes, 2 jars of jalapeno peppers, Greek yogurt on sale, 2 cans of crushed tomatoes, 2 cans of kidney beans, 2 cans brown beans (making veggie chilli soon!) and a box of Triscuits.

At Giant Tiger I purchased clementines, lettuce and diced tomatoes (No Frills was out of them). I went in to get toilet paper on sale but they were sold out. I have plenty for another week.

So I didn't purchase any NON FOOD items this week. That makes me happy. I have $124 left in the food budget. So far so good.

I took $40 cash out of my misc budget on Saturday which I used yesterday to see "The Second Best Marigold Hotel" (EXCELLENT) and then had Indian food for dinner :) a theme night! I have $266 left in misc and a VERY empty wallet. I can make it, the ever-elusive tax refund will show up sooner or later (definitely later!) and I don't have any expensive plans in the offing. Well...maybe one...

IT'S NOT FUNGUS HURRAH HURRAH!!

It was as I thought - a blister under the toenail. I might lose the nail but then again I might not. However, toenails grow so slowly it'll be awhile before I know either way. As long as it's NOT FUNGUS I am a happy camper!

Well, happy until I look at my budget this month. I've been pointedly ignoring it the past couple of weeks and it hasn't been doing too well on its own. Don't ever leave your budget to look after itself...just sayin'...

Is March like the longest month of the year? It's only the 13th today for Pete's sake! Already I've transferred small amounts of money from savings into chequing to cover things...possibly but highly unlikely I might have $$ at the end of the month to put back into my savings but I'm not getting my hopes up too high.

So what has the misc budget been spent on so far this month??

• my lovely new Merrell hiking sandals shown above around half-price $66.00 (includes taxes) I'm somewhat optimistic that spring, summer and fall WILL OCCUR at some point this year and when they do I'll be ready!! These give me an alternative to my hiking boots - I might even be able to wear them occasionally when hiking Hadrian's Wall when/if the weather is nice. At the very least I can wear them each day after hiking to give my feet a break! I just started wearing them around the house and I feel as though I have nothing on my feet. 
• expensive eye drops and omega 3 vitamins to combat "dry eye" syndrome (I'm so tired of winter and it's effects on my body!!)  $32.00
• some household things from Dollarama (oh...and candy!) $17.00
• load my Timmy's card - $15.00
• income tax software - $21.00
• donation to help bring Nate home  $20.00
• truck repair $11.00
• movie $10.00
• utilities (I underestimated both my electricity and natural gas - damn winter!!) $15.00
• Ancestry.ca membership $192.00 (I swear this gets more expensive every year!)
• Take-out food from Hong Pings $43.00
• Wine - $20.00
• Giant Tiger (jacket & chocolate bar) $32.00

That comes to a total of.....$494.00. I have $306 left in misc for a total of $800. Since my misc budget is set at $600 that means I've pulled $200 out of savings. I still have over 18 days left in March!! Yikes! I am REALLY going to try to make many of those NO SPEND DAYS!! 

The good news is I received over $800 in interest payments this month and am anxiously awaiting my tax refund to be deposited (over $1200). These monies will all go towards travelling this year. I have possibly 4 trips in the offing from a 4 day weekend to 2 weeks in England.  AND I'm hoping to buy a trailer soon. 

Bye bye money!!

Anyone else having an expensive month?

Budget Boogaloo

February is quickly coming to a close - now if it would only take the brutally cold air with it!! One of the thousands of things I like better about spring are the reduced utility bills. With this February shaping up to be THE COLDEST ON RECORD then my heating bill is likely to be THE HIGHEST ON RECORD!!

The Lowlights and Highlights of February's Budget:

• Lowlights - I underestimated my heating bill and electricity bill by $24; considering how cold it's been that's hardly surprising. I took the extra out of my misc budget and sucked it up!
• a few things have gotten more expensive: my monthly internet bill increased by $3, the hot water tank rental increased by $1, property taxes are increasing by approx. 2.5% but I don't have the new amount yet. That's it for lowlights - nothing broke down, nothing had to be fixed, we stayed warm, ate well and indulged in lots of wine and chocolate!!
• Highlights - I stayed on budget!! AND I had leftover money in all three variable budgets (gas, food and misc)
• a decrease in car/home insurance means that the little increases in other bills were mostly covered
• I have $24 left in the food budget :) ... $85 left in the gas budget :)...and $53 left in the misc budget!! so.....I made an extra payment on my mastercard towards my trip in Sept. and put a little extra into savings to round up the numbers. I'm leaving the $53 in my account to cover gong out to breakfast, going out for coffee, a purchase at Home Depot etc.
• Savings increased by $664 this month!! $350 of that is from my pension and the rest is from interest payments from accounts and RRSPs. 
• Misc purchases this month included: 2 little trips to the thrift shop, some new music for my iPod, a guidebook for a possible trip in 2016, a yoga app, new camera batteries, a new toaster, a special Valentine's party for me and 2 girlfriends, a book for my iPad (or two), a new charge cord for my laptop; ...I went to a movie or two, went out for lunch, breakfast and multiple coffees and I went to the Bryan Adams concert!! Which was fabulous!! (and actually paid out of January's misc budget). 

February's budget was a great success! But then it was only a 28 day month! March will be slightly more challenging I'm sure. Having a trip to work towards does help me squeeze my pennies though - it really helps to have a goal. 

Re Gofundme - I think it only makes sense that you really check out what you're contributing towards. Since Nate was Kazi's friend I had no qualms about donating money towards bringing him back to Canada. I would never donate to someone's "sad story" unless I checked into it and made sure it was REAL. 

Frozen Assets

When I got up this morning it was -29c so is it any wonder my ass(ets) is/are frozen??? I've managed to have quite a few NO spend days this month because who wants to go outside?? That being said I did do some shopping on Friday in preparation for my Valentine's Day guests. But I'm still on track for February and may have some $$ left at the end of the month if I can stay the course!

Gas Budget - I have almost a full tank of gas and $120 left in the gas budget. If you don't drive anywhere gas stays IN the tank!! Also, I lumped ALL my errands together last Friday to use as little gas as possible. I've been averaging $30/week for gas so far which means I might have $60-$80 left in this budget line at the end of the month!

Food Budget - I spent more on food for the first half of this month than I did during the same time period in January. Some of that went for snacks for my party plus I bought extra food that I cooked for breakfast Sunday morning. There is still $116 left in the food budget and I won't be shopping for a a few days as I couldn't fit another thing in my fridge if I tried! I'm sure there will be a few dollars left in the food budget at the end of the month.

Misc Budget - Out of the $313 in the misc budget for the 2nd half of the month I have $230 left. Money has been spent on wine, chocolate treats from the Bulk Barn, movie rentals for the party, music downloaded from iTunes and a book from Amazon for my Kindle app. Upcoming expenditures include going to lunch with a friend tomorrow and the Bryan Adams concert on the 24th (though I've already paid for the ticket!) I hope I don't spend all of the rest of this budget by Feb. 28.

For the next few months any budget remnants will go to paying for my trip to England in Sept. So far I need to pay off my plane tickets and the deposit for my hiking trip with Annie. I therefore challenge myself to direct at least $150 (gas - $80; food - $30; misc - $40) towards my Mastercard at the end of Feb. Whatever is outstanding on my Mastercard will be paid off using my tax refund sometime in March.

Increased savings so far this month includes $350 from my pension and $200 in interest for a total of $550!! I have two more interest deposits from RRSPs to come yet this month. I'm surviving on my pension so far - I'm doing it, I'm doing it!!

Famous last words.....

By the Numbers....

711 - the numbers of songs on my new "COOL Music" playlist

3 - numbers of hours wasted yesterday creating new music playlist

$30 - spent filling up my truck today

$15 - spent on groceries today - 2 blocks of cheese and some rice cakes (caramel popcorn                           flavour to hopefully satisfy my sweet craving :/

0 - money left in my misc fund until Friday - bet you can guess where that $$ went!!

46 - $$ spent on NEW music in the past week :)

3 - hours spent awake due to pain in the gluteus medius and minimus muscles of the hip last night            (harks back to the 20 km hike over icy/snowy terrain a couple of weeks ago - whenever I hike on         ice/snow now I suffer afterwards for a few days :( 

20 - number of minutes spent scraping ice (from hours of freezing rain yesterday) off my windshield         today

1 - new appliance purchased today!!!!!!!!!!!!!!!!!!Okay, it was only a toaster:), but still....

7 - pairs of boots plus 1 pair of icers and a bag of salt cluttering up my foyer at present

3 - minutes it took before my immaculate floors bore evidence of kitty paws once again!!

5 - number of books I have on the go currently

39 - days until SPRING!!!!!

$176 - left in the food budget (out of $280)

$120 - left in the gas budget (out of $180

$311 - left in misc budget (out of $625)

1 - movie left to watch before I have to return the pile to the library tomorrow

So....bye!! Going to watch the movie!!