Give Me Back My Five Bucks

March 2016 Goals

Well this is an expensive month because RD and I are headed to Tofino and Powell River for a week.

We booked 4 nights in Tofino through which cost about $390 each. Expensive, I know. But it’s normal for Tofino, and the location can’t be beat – RD has stayed at this place before, and it’s just a couple minutes walk to Chesterman Beach. We’ll cook most of our meals – with the exception of at least a couple trips to the Tacofino food truck, and probably one dinner in town.

From Tofino, we plan on visiting my aunt and uncle in Nanaimo, before taking the ferry to over to Powell River for a few days. I’ve never been before, but hear it’s quite lovely. :) I’ve budgeted $1,000 for the entire trip. We won’t need to worry about accommodation in PR, so all we have to figure out is food, gas, and ferry costs.

I’ll also be renewing my rock climbing membership, but again will be buying a 1-month pass for March and April. Since RD is gone for much of May and June for work, it didn’t make sense to buy a 3-month pass. Instead, while he’s gone, I’ll switch gyms where they have more auto-belay options – so that I can continue to climb without a partner. :)

But to offset this expensive month, I expect to bring in about $4,200 in freelance income.


March 2016 Goals:

  • Practice yoga once a week – Increasing our climbing to 3x/week has left my body pretty stiff. I wanted to look into classes, but even rec centre drop-in classes are $16, and I’m not into that. So since I can’t justify spending even more money every month on fitness, it’ll be back to my yoga DVDs for now. :)
  • Do my taxes and get organized for next year – I’ve got almost all of my tax slips, and I’ve already done a preliminary run of my taxes, but it was just with estimated freelance numbers. I also want to get more organized with my 2016 taxes. I revamped my old spreadsheet to provide more details, but it’s the way I file receipts that needs a massive overall.
  • Look into getting a credit limit increase on my credit card – I only have one credit card with a $5,000 limit, and that has been fine for the past couple of years. But lately I’ve been charging a lot of reimbursable work expenses (and joint travel expenses) which has caused my card to come dangerously close to my limit before my payments get posted. I’d like to get a credit increase so I can continue to use my card for work purposes (to earn reward points), and not worry about getting declined.
  • Save $2,000 towards retirement – This is a carry-over goal from last month, but will largely be based on whether I receive payment for freelance work that I invoiced out for last month.

Author: Krystal Yee

I’m a personal finance blogger and marketing professional based in Vancouver. I’m a former Toronto Star (Moneyville) columnist, author of The Beginner’s Guide to Saving and Investing, and co-founder of the Canadian Personal Finance Conference. When I’m not working, you can usually find me running, climbing, playing field hockey, or plotting my next adventure.


  1. Sounds like you’re right on track for this month. I hope you have an amazing trip!

  2. Jackie says:

    I am loving this website very inspirational and motivational Krystal. Thanks

  3. Catwoman73 says:

    I don’t know if you have an ipad, but if you do, there is a great app called Yoga Studio (the icon is a lotus flower- you can’t miss it). It’s a fabulous app for doing yoga at home, with routines of different lengths and levels, and each one focuses on either flexibility, strength, balance, or a combination. And the beautiful thing is that it costs less than a single yoga class at a studio!

    Have a wonderful time on your trip! It sounds lovely!

  4. Lorena says:

    You have to check out Yoga by Adrienne on Youtube! She is really good and has so many videos so you will never get bored of a routine.

  5. These all look great! You’ll have a great time in Tofino as well, sometimes the little extra money is easily justified with the memories you’ll be making. A lot of Yoga companies offer 30 days unlimited for a low price if you are new to the studio so make sure you check those out – sadly I’ve already exhausted all the options in my area!

  6. Peter says:

    Your budget shows great discipline. If we all could enjoy making a budget and sticking to it.

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