Give Me Back My Five Bucks

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Happy Friday & Pay Day!

Well, as you can tell by my NetworthIQ, I’ve dropped a few thousand dollars this month. Which hurts a bit, because I worked my butt off to earn a lot of extra money this month. But I adjusted the value of my 2 vehicles (BF is buying my old Golf off me, so I adjusted for the amount still owing), and my Retirement Portfolio took a beating this month.

That being said, I was able to hit all of my savings targets that I set for myself in my February Goals. But I’ll have a re-cap of that sometime next week.

I’m also anxiously awaiting my tax papers. I made last-minute RRSP contributions since January 1, totaling about $2,000. I’m still really thinking about maxing out my TFSA this year instead of pouring all my money into my RRSPs – just to get a bit of diversity. I have less than 5% of my Retirement Portfolio in TFSA.

Made 1 of 3 extra car payments

When I bought my car, my loan payments were scheduled to come out of my chequing account bi-weekly on Mondays (1st & 15th of this month). It was really annoying, having to remember and calculate payment times. So I called into BMO last Wednesday to get them changed to bi-weekly on pay day Fridays. They said they would send me some paperwork which I would have to send back to them before they could get authorization to switch the dates – meaning the next payment would be on the new date of the 19th, since I was too close to the 5th to receive and mail off the paperwork in time. So fine, that’s reasonable.

But they took a payment out on the 5th anyway! That means I will be making an extra car payment this month (1st, 5th, 19th). One of my goals for 2010 was to make 3 extra car payments. Not exactly planned, and it’s a good thing I had the money in my account, but that’s 1 extra payment down, 2 to go!

Spending a bit of money

Yesterday, just for the fun of it, we decided to go out for sushi. We’ve been doing really well with not going out to eat, so it was nice to relax and have a nice dinner. I treated, and it cost $40. This came out of the Entertainment portion of January’s budget. I’m still going over my monthly budget, but it looks like I’ll make my budget this month! I’m about $75 under right now.

I also spent $58 on my 3-month car service. It was a little pricier than I had anticipated. I guess I’m not used to using $25 motor oil? I was also surprised that they washed my car, and vacuumed and cleaned the inside. Which was nice. I forgot about the 3-month service when I made up this month’s budget, but thankfully I haven’t been driving much so I was able to squeeze it into my Car & Transportation budget and I’m still under for the month in that category. :)

In case you’re wondering, any problems with the car is covered by warranty. I don’t pay for labour when it comes to regular maintenance, but I do have to pay for fluids, filters, etc.

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