Give Me Back My Five Bucks

So yesterday morning, determined to get my money’s worth out of my new Banana Republic “I Look Pregnant” top, I wore it to work. I mean, if I can’t return it, I might as well wear it, right? Although to be fair, I wore it underneath the black cardigan. That still counts though. I’m happy to report that nobody looked at me weird, nobody asked me if I was pregnant (or when the due date is), and I got one compliment. But I think that compliment came because it was an awkward conversation to begin with, and she probably had … Continue reading →

Well, today was pay day and between the two jobs, I brought home $2,681. The sidebar is updated, and here’s how I spent my money: $150 – rent $1,200 – RRSP $1,000 – Down Payment Fund $50 – EF $25 – ING “I Deserve It” Fund After paying off my credit cards, I still have a few hundred left over to allocate somewhere. It’ll probably end up going into the Down Payment Fund, but it probably should go into the EF since I just stole $870 from it to pay my dentist bill. I just realized that I’ll be getting … Continue reading →

I got an e-mail from a reader a few days ago, asking for advice in her current financial situation. With her permission, I’m reposting her e-mail in the hopes that my readers can offer some words of encouragement, and maybe some thoughts/advice about her current situation. :) Hi Krystal, I am so glad to have found someone who was/is in the same boat as me. Well, my boat is sinking fast, I think – my debt is pretty bad. This is what happened and how I am coping. A year and a bit ago, I decided to start working on … Continue reading →

After some research and after speaking with my real estate agent (she recommended him), I finally decided on a mortgage broker. I e-mailed him yesterday afternoon and he called me this morning. He quickly ran my numbers, and thinks I can get pre-approval for about a $215-$230k mortgage right now. Ideally, I’d want a mortgage of less than $200k (and a property purchase of around $230k). I think I can handle those payments and still save up for my retirement and my EF at the same time. I told the broker that I want to get pre-approval now, but ideally … Continue reading →

Things to do: A few weeks ago, I wrote a cheque for my initial deposit into my ING account. Well, it finally got cashed last week, but I have yet to call customer service to activate my account. Return a $30 silk top I bought from Jacob. I realized I didn’t need it, nor did it really fit me properly. Mail off my $50 rebate for my new cell phone. Figure out how to get the $37 owed to me from my Amazon sales into my bank account. Apparently the cheque routing numbers I provided were incorrect … but I … Continue reading →