Give Me Back My Five Bucks

EI update, cable services, and my credit score

So Employment Services called me yesterday afternoon. After asking me some ridiculous questions, she said she would have to contact my previous employers to verify everything that I had said was correct. She didn’t know how long that would take, so she wasn’t sure when my claim would be finalized. I really really hope this gets done by the end of the week.

I got a call from Shaw Cable today, and signed up for high-speed internet and basic cable for about $60/month. Plus, there’s a promotion going on where I get a free modem. I’m happy with that … and after reading all of your responses about whether you have cable or not, I think I’m going to keep my cable. I want to keep my entertainment costs to a minimum here, so if I can catch the game at home, that saves me from going out to a pub, or taking public transportation over to BF’s. They are coming to do the install on Monday after 6pm, which is super convenient because Monday will be my first day in my new place.

Also, I really really want to check my credit score. I haven’t checked since last March when it was 727, but I’m scared. For some reason I feel like my score is going to disappoint me. But it’s not like it can be worse than 727, right? When I last checked, I was still in debt. Now I’m not. And I haven’t applied for any new credit, so it only makes sense that my score would be better. Hmm.

I only fell three times!

Yesterday evening BF and I went skiing with a few of his friends. It was actually really fun, and I think I picked up enough so that I didn’t look like a complete loser out there. I was having a blast going super super fast, and turning corners at the last possible second. To be honest, I was probably going too fast, given the fact that I’ve never skied before … but it looks way more badass bailing at a bazillion miles an hour, than it does just falling down while trying to get to the lift to go back up. Anyway, I’m looking forward to going again! But probably only on Mondays, since it’s cheap for women.

Dear Emergency Fund: You saved my butt!

My EF is what’s saved me over the past 2.5 months. Since I clearly couldn’t have relied on the government for EI benefits, I would have been completely screwed without that $3k I had saved. It’s so incredible to me, that personal finance and saving money actually works. I’m still in awe of it all, and it’s insane that just one year ago, I had not one dollar to my name, and a whole whack of debt to get out of. And even though things didn’t exactly go my way this past year, I’m in a much more stable position now – freshly out of 2.5 months of unemployment – than I ever was with a full-time job.

It’s such a simple concept: save money. Why didn’t I get it for so many years?

When I started the EF, I honestly never thought I’d use it – I just thought it’d be a little chunk of money that just sat in a savings account for the rest of my life. Who would have thought that, as soon as I fully funded the EF, I would have had to use almost all of it up.

I haven’t checked Quicken in a few days, but as it last stands, I have about $1k left in the EF. I’ll update the sidebar sometime this week. Once I get my EI payments (provided I do actually get it), I will fully fund the EF back up to $3k, and then bump up my EF savings goal to $5k for the rest of 2008. I think that’s a realistic goal to have.

With my tax refund, I still hope to get around $4,500 back … and with that money, what I really should do is stick the entire thing back into my RRSPs. That would mean I’d only need to save another $2k all year to reach my 2008 goal of having a $22k portfolio. And provided I pass my probation at the FT job, I would also have to count my RPP plan into the mix … so when it’s all said and done, I could have a bigger portfolio at the end of 2008 than I had originally anticipated.

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