Saturday, January 10, 2015

Welcome (belatedly) to 2015!

Happy New Year!

It's late I know, I know. I've wanted to write this post for the past week and a half but between visiting my parents (who have SLOW SLOW internet), visiting with other family and friends and work it just hasn't happened.

But I'm doing it now and that counts for something right?

Which is my lame segue way into my resolutions/goals for 2015.

1. Stop procrastinating. This is a big one for me. I'm a huge procrastinator and I really want to break that habit. So my new motto is (to quot Nike) Just Do It! Whether it be dishes, laundry or whatever needs to be done. Just do it.

2. Get my house cleaned and purged. We (the boyfriend and I) have already started this. We did a run to Goodwill and the Ecostation today to get rid of stuff we didn't want, old electronics and a ton of recyclable material. We don't put our recycling out in the blue bags because we don't see the point of buying the bags when we're so close to recycling. I've also did 20 minutes cleaning on the spare room/office space today and it's better.

3. Improve my eating and drinking habits. Less crap food and drink more healthy options. A big part of this is continuing to cut back on my Coca-Cola intake. So far I've made it a week without one (a big deal for me considering I'm up at 4am most days and at work by 5am). My water intake has increased and I'm going to work on keeping at a decent level.

4. Take care of my physical self. I've lost 10lbs working the morning shift and I'd like to lose minimum another 10 lbs, hopefully 20. This would put me at a very healthy 120lbs. This is doable. This means upping my physical activity and sticking with goal/resolution 3. The other part of this is taking care of my skin, teeth, hair, etc. Making sure I wash and moisturize, brush my teeth and get to the dentist.

5. Take care of my mental self. Last year at this time I was depressed and in a funk. Now not so much. Getting a job helped big time. This year I'm going to be focusing on doing things that I love and make me happy. Making the time to knit and spend quality time with my friends is high up there.

6. Get a job in a library. Don't get me wrong I really like my current job but it's not something I want to be doing for the rest of my life (the free bread is really good though). I sort of gave up on a library job after I got my current job but now it's time to rededicate to breaking into the library field.

7. Be less wasteful. Me and the boyfriend have a bad habit in forgetting about food in the fridge, freezer and pantry. My goal is to make sure we're using it up and not tossing it.

8. Crack down on my spending. I got spendy the past few months and it's showing on my credit cards. I'm considering a shopping ban (aside from necessities and what I have on gift cards). I don't really need more stuff so I want to save money for debt repayment, savings and for things I'd like to replace (like my really old cellphone. It's a flip phone so that should tell you something). I really want my net worth number to get to the positive side.

So there you have it. It's a lot to accomplish and I just have to remember that I won't get it all in a month that I have a whole year to build up really good habits and to accomplish my goals.

Do you have any New Year's goals/resolutions?

Tuesday, October 7, 2014

Another One Bites the Dust!

It's official.

I just paid off Student Loan #2.

It feels great. I can't wait to see it hit the $0 mark on the other end.

Time for some Queen: Another one bites the dust!

Wednesday, October 1, 2014

October Goals & Budget

Yep. Been MIA for over a month. Not cool I know. I bought glasses and what not and then got depressed about my finances and couldn't be bothered to write up a blog. Not to mention being rather tired as I've been working the morning (5-5:30 start) shift. Let's just get to it shall we?

 

*Notes

  1. Rent is off again because I went for a massage in September and the reimbursement from my boyfriend's insurance is coming out of rent.
  2. Got a little spendy on Card #1
  3. Student Loan #2 is higher because that's the amount (give or take a few dollars because of interest) that is left owing on it.
So let's talk about note #3. Loan #2 will be paid off in October barring unforeseen circumstances. It would have been done in September but I had to pay off my glasses so that delayed things.

Also my raise finally went through last month as did my benefits. This first cheque will reflect both of those items for the first time and I'll have a more accurate picture of what my cheques are going to look like.

Goals
  1. Pay off Student Loan #1
  2. Get my house organized and clean
  3. Reduce my sugar intake
  4. Hula Hoop daily
  5. Continue doing Duolingo daily
  6. Make time to knit at 3x a week
So yeah. Been drinking a Coke a day again. These early mornings have been rough so I've resorted back to the Coke. Starting to get used to them so hoping to reduce my intake again. This is a constant battle. Also decided to refresh my French skills after hearing good things about Duolingo (a free app I've got on my iPad mini. I started back in September and things are coming back. I shall probably do a post about it this month.

An ambitious month but seeing as I've been lacking in ambition lately it's probably the kick I need.

Saturday, August 2, 2014

August Budget

There will be no recap of July. I spent way more on my vacation then I planned and it's messed up things.

So I'm not sure how I'm going to break down my August budget yet. I still haven't decided whether to put the money I've been putting towards Credit Card #1 yet.

The smart thing would be to put it towards Credit Card #2 to get rid of the interest I'm paying but part of me wants to get rid of Student Loan #2 because that would be gone in like 3 months.

Decisions.

Actually I'm going to post a partial budget.




Notes

  1. Rent is off again because of submitting a claim for a massage ($110). One day it might actually reflect the amount I pay.
  2. Upped the amount I'm paying on Credit Card #2. This might increase or I might put it to Student Loan #2. Will decide on my first cheque of the month.
Goals for August
  1. Be mindful of what I'm putting into my body. Try to be aware of what I'm eating and drinking. I'm working hard to make sure it's healthy and not loaded with sugar. I'm not going to deny myself but I do want to cut back on crap food. As part of this I want to be consistent with taking lunches to work.
  2. To do stretching/yoga on a daily basis.
  3. No spend month. Aside from my $50 a paycheque. That I'll use to pay for anything. The goal is not to put anything on the credit cards for the month (aside from my cell phone). I was way to spendy with Credit Card #2 while on vacation.

Friday, August 1, 2014

It's Friday! The I Have to Work Version

Yep. I'm working today, tomorrow and Sunday. I was supposed to have Sunday and Monday off but due to a coworker being sucky I'm now working Sunday. I'm okay with the extra hours which will help offset the time I took off. What I'm not okay with is the fact that she knew she wouldn't be able to work on Sunday back in July BEFORE I went on holidays but left it until now. So yeah not really impressed.

Low of my week see above.

High of my week successfully canning for the first time! We brought back peaches and I now have 12 pints of peaches canned.

Best money spent on two lunches. Got busy with other stuff.

Weekend plans working and hopefully going to Guardians of the Galaxy.

Friday, July 18, 2014

It's Friday! Vacation Time

It's official! I'm on vacation until the 27th!!!
Might not be any posts next week because VACATION!
I'm just a little excited.

Low of the week the haze in the air from forest fires.

High of the week paying off Credit card #1!

Best money I spent $45 on a new pillow. Sleeping well is so worth it.

Weekend plans a family reunion on Saturday and then off on our trip!

How was your week?

Wednesday, July 16, 2014

Time to Celebrate!

Oh yes. It's time to celebrate! Why?

Credit card #1 is now paid off. I sent the payment just a few minutes ago. In the next day or two it'll be showing on the card itself!

*does the dance of joy* (https://www.youtube.com/watch?v=GfPg5LjGYz8)

While I'm happy for that I'm now more impatient to pay off other items.

My savings has enough in it that I could almost pay off Student loan #2.

While that would be nice then I'd have no savings. So I'm going to sit on my hands and leave the money in its accounts to earn some interest.

I'm also considering paying off Student loan #2 and then working on Credit card #2. While I know this is not good interest wise I'd like to get another debt gone.

I'm thinking I'd take most of what I'm paying and apply it to the loan but take some and up the amount on Credit card #2.

I haven't decided yet and that's okay. I've got some time to figure it out.

Have you hit any milestones lately?