September Budget Recap

Ok! So here is my budget recap for September. I wish I was one of those people who tracked every penny in a beautiful excel spreadsheet, it would make putting together a post like this so much easier instead of scrambling and trying to figure out where all my money went and what percentage of my income that was! I had a few unexpected expenses this month like a trip to the dentist and I broke a pair of shoes that needed to be replaced (no, I cannot live without a pair of closed round toe back pumps…if I had an emergency fund, this would have been an emergency – ok not really but it was bad).

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As you can see the biggest difference was my “other” category. Bleh! However I did manage to contribute more into savings that I had planned. Yay!

Financial Goals for September:

-Stay out of the overdraft in Bank #2’s account – Big fat fail…

-Pay for everything out of Bank #1’s account – Also a big fat fail…

-Contribute $155 to 52 weeks of savings – PASS!

-Make extra money by selling things online/writing a post – PASS! I made and extra $30

-10 no spend days – PASS! I stopped counting after 10 days…sorry.

-Have $4000 total paid by September 18th!! – Pass!

Well 4/6 isn’t terrible. That’s like a B- which I shall take!

There has been something that has been on my mind a lot recently about my part-time job. I really don’t know how much longer I want to keep it. I had originally said I would work there until my Visa is paid off or until I am married (I work in a jewelry store and can get discounts on bands, diamonds, etc.). I haven’t worked since Wednesday the 24th and I’m not in until Thursday the 2nd. Yesterday after work I: stopped and picked up milk, chicken, yogurt, and snacks. Picked something up for supper. Painted the trim in the spare bedroom (painted the walls Sunday). Did two loads of laundry. Vacuumed the living room. Got caught up with Bones. Snuggled with my BF & kitty. Made my lunch and was in bed my 10. I WAS SO PRODUCTIVE! It’s so much easier to get things done and have the energy to do things after I work my 9-5 when I’m not exhausted from a 13 hour day the day before. However, thanks to my part-time job I made an extra $700 this month and I’m not prepared to give that up just yet. BF and I don’t share finances yet. Currently my 9-5 income would be a perfectly fine secondary income but it’s a little tight to be paying all of my bills and still paying down debt and saving. I’m still unsure of when I would be comfortable going down to only one income, but I know it would be GREAT to not have to turn things down all the time or miss activities (like hockey, which I am paying for) because I had to work. PT job current helps me contribute to my “future fund” as well, another reason I wanted to keep it until I get married. Decisions, decisions…

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Tips for Surviving a Home Shopping Party

I know we have all been invited to these at one point or another…the dreaded home shopping party. Early last week I got a Facebook message inviting me to a “Mommy’s Night Out” (apparently having a child is not required). I was so excited as I have the night off from my PT job and I also haven’t seen these girls in forever! Of course these types of parties are usually pot luck and make ladies feel the need to dress to the nines while still looking “casual” (what? no, I woke up with these beachy waves and smoky eyes). I used to love every opportunity I got to attend a home party and now they give me a tight feeling in the pit of my stomach…

I have many friends and family members who work from home and sell products like Shaklee, Avon, Scentsy, Stella & Dot, and Silpada and these are people who I really want to support. They have all supported me at some point in my life and I like having the opportunity to give back to them.  Here are my tips for surviving a home shopping party:

1. Shop Ahead – If the product has an online catalogue, look through it ahead of time and find something in your budget. I like to go to an page I think I might like and then arrange by price lowest to highest and find something at a price point I am comfortable with. There are times I have gone and not bought anything at all, just enjoyed the company.

2. Name Your Dish– Since many of these parties are potluck, it gives you the flexibility to make something on the cheap. Dips are often easy and cheap options!

3. Carpool– If someone lives close to you, try to arrange rides and save on gas!

4. Purchase Before Wine– This one is tricky. If at all possible, try to make your purchases before you get tipsy. There is nothing more dangerous than having too many glasses of wine at a jewelry party and having your credit card or cash in hand.

5. Pay Cash– If allowed, bring cash so you are not tempted to over spend on a credit card.

I’m sure there are many more I haven’t thought of! What are your tips for surviving?

Cross Border Shopping

It’s that time of year again. Christmas is coming and I would really like to get all my shopping done early. My goal for this year is to have my shopping done and paid for before I receive my Christmas bonus from work (this will probably be December 11th). Then I will use my bonus to put on debt and also to pay one of the winter heating bills for BF who normally pays them without complaining…too much.

BF and I have decided to head down to the US to get some shopping done and take advantage of some good deals. I am the proud owner of a mailbox down there so if we do order online, we can take advantage of cheap ‘Merican shipping (seriously though, how do you guys always manage to get free shipping for things?!). We are heading down Remembrance Day weekend (I have the 10th booked off as a vacation day), we plan on staying there 2 nights so that we can bring up to $800 each back across. This weekend is very popular for Canadians crossing the border so hopefully retailers will have lots of specials for us!

I’m not worried about the money I will spend shopping for others and shopping for myself as well as this is what part of my 52 weeks of savings was for. What I’m worried about is the cost of hotels and food while we’re there. Do you guys have any tips and tricks for traveling? I do have a CAA membership and can often get a deal that way.

I’m also in the process of bringing back my status bars on the side, if anyone could help a sista out getting the plugin to work it would be much appreciated.

Frugal FinCon Fiesta!

 I guess I should finally jump on the bandwagon as part of Debt Deb’s Frugal FinCon Fiesta blog hop.So I will be answering any and all questions you lovely readers may have 🙂

Here’s the skinny on the blog hop:

FRUGAL FinCon FIESTA

  • Join the FRUGAL FinCon Fiesta which will run Sep 18 – 20 to coincide with FINCON and allow people time to visit other blogs.
  • It’s a blog hop party and the purpose is to entertain questions from your readers.
  • This can be a great way to spawn future blog posts, if the answer is quite complex.
  • You can post some teaser questions and answers about random facts about yourself.
  • Non-blogger readers are encouraged to say ‘hi‘.  (Oh please show us some love! <3)
  • Let’s do some banter in the comments as well, not the usual commenter comments and blogger responds.  Let’s mix it up and comment to other’s comments for some $hits and giggles.
  • It will be super hot if you put a fiesta like picture in the header of your post.
  • We reserve the right to take down any spammy links or otherwise party-poopers who are not participating in the party with the spirit in which it was intended.
  • TWEET #FrugalFinConFiesta and HAVE FUN!

FrugalFinConFiesta

1. PFTwins Frugal FinCon Fiesta

2. Indebted and In Debt

3. FinCon Fiesta! – Debt Discipline

4. Frugal FinCon Fiesta | House of Tre

5. FinCon Frugal Fiesta! |Millennial on a Budget

6. Frugal FinCon Fiesta! | Busted Budget

7. Frugal FinCon Fiesta & Versatile Blogger

8. Frugal FinCon Fiesta – The Daily Whisk

9. Frugal FinCon Fiesta – Ask me Anything – debt debs

10. Frugal Fincon Fiesta – Let’s Talk! – Nearly Retire

11. Ask Femme Anything: #FrugalFINCONFiesta

12. Frugal FinCon Fiesta – Let’s Chat – Messy Money

13. The Single Dollar: Frugal Fincon Fiesta

I have been nominated by Kayla at Shoeaholicnomore for a Versatile Blogger award!! So below are 7 random facts about me followed by my nominations.

1. I have a small obsession with books. And I also organize these books into categories that only I understand but I feel like they should make complete sense to other people. I also have a separate bookcase for books I haven’t read yet. They are also organized into categories.

2. I love anything peach flavored.

3. I feel like strawberries are medicinal no matter what ailment you have. When I was little and I used to fake sick, I would go to my grandparents house and my grampy would always take out strawberries because I loved them. So thanks to psychological conditioning….strawberries can cure all.

4. I get really mad when people move my things in the shower. It throws my whole morning off.

5. I don’t understand people who don’t wear t-shirts under their hoodies. That’s like going commando!

6. I currently play hockey (15th year). But I have also played softball and rugby as well. Sometimes all 3 in one year.

7. If we ever go to a restaurant together, I WILL dance a little in my seat as my food comes to me. It just happens. I can’t control it.

I really can’t think of anyone to nominate who hasn’t been nominated yet so I hope if any new readers stop by you’ll comment and I can get to know you and nominate you for things in the future!

BLOGIVERSARY

Thank you all for being here! And a big thank you to those of you who stop by regularly to offer advice and support 🙂 to name a few Shoeaholicnomore , debtdebs, spunkybanker, banishing loans I really couldn’t have made it this far without you lovely ladies. Thanks for keeping me accountable and making me feel like someone actually reads my blog.

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Now that the pay day money shuffle is over, here is my debt update for September 2014!

Debt as of September18, 2014

Visa- $3,797.59

Student Line of Credit- $9,133.62

Total- $12,931.21

*DRUM ROLL PLEASE*

That means I’ve paid a total of $4005.63 since keeping track of my debt repayment with the help of this blog! I was able to just squeak by thanks to a pretty good pay from my PT job this week…I guess all of those extra hours helped for something…

I thought that is also time to set some new goals for my next year of blogging (unless of course for some reason I win the lottery and can pay off my debt, which I see as improbable since I don’t regularly purchase tickets).

Goals for September 2015

-Pay down $5000

-Pay off Visa! (I can do ittttt!)

-Read 1 Gail Vaz Oxlade book

-Continue my book challenge

-Start a 52 Weeks of Savings Challenge again

-Build a $1000 emergency fund

I’m currently so motivated to get my Visa paid down, its great to see the balance starting with a “3”!  I know Christmas will be difficult and car repairs made so I’m going to really put my nose to the grindstone to not let my Visa creep back into the “4”s.

Again thanks to everyone who has read and commented over the past year. I can’t wait to grow even more over another year and form more connections with PF bloggers on the interwebs!

Tomorrow!

It’s tomorrow guys! (although WordPress reminded me that I registered 1 year ago today…) Tomorrow is my blogiversary and 1 year of debt check-ins. Make sure you check in tomorrow and see how I’ve done over the past year.

Half-Way Point

Well we’re half way through September and I thought I’d check in with my goals:

-Stay out of the overdraft in Bank #2’s account – FAIL I forgot I was putting my groceries on my Visa along with my grocery budget

-Pay for everything out of Bank #1’s account- Passish – aside from the $40 at the grocery store

-Contribute $155 to 52 weeks of savings – On track!

-Make extra money by selling things online/writing a post – Pass- I sold two items for a total of $30

-10 no spend days – On track!

-Have $4000 total paid by September 18th!! – I honestly have no idea…

On Saturday I was having “one of those” days. I was so angry at everyone and all I wanted to do was go buy things! Because buying things makes everything better!! (Or so I used to think). I was cranky with seeing all of my friends decorating their houses for fall while I wanted to spend as little money as possible so I can make my $4000 paid goal. I opted to go to Wal-Mart and spent $9 on 4 placemats…they’re red so they can take me straight through to Christmas too. I’m going to dig through some old decorations to see if I can find some orange candles. I took the money from my “things I sold” money so now I have $21 left.

As I said before, I’m getting a little run down by working so much at both jobs. After speaking to my manager a few days ago about how I was getting too many shifts, I went into the office on Saturday to discover she had added me on for another shift without even letting me know! If I wouldn’t have looked at this week’s schedule to see who I was working with I would have never known I have to work tonight and I wouldn’t have showed up. This started me on my tangent of crankiness. The manager isn’t back until Thursday so I couldn’t even mention it to her on Saturday. Numerous people have been telling me just to call in sick but to me that means one of my co-workers (whom I actually like) would have to come in on their day off and I really hate putting people out because of me.

I honestly don’t know if I’m on track to make my $4000 paid on Thursday. It all depends on my part time job’s pay. I’ll be shuffling a little money around that day!

Is it October yet?