Give Me Back My Five Bucks

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Will the spending ever stop?

I’ve been spending a lot lately on food. I really really need to stop, but it’s only going to get worse in the next week or so … and for that, I feel really guilty. But not that guilty.

Oh, and I also requested to transfer the $239.45 from my emergency fund over to my chequing, so I can pay for those sunglasses. Then when the claim comes back from my health care, I’ll put it back in the EF.

What I’ve spent so far:

  • $5.29 (Sunday) – bought a large blizzard at Dairy Queen for the BF and I to share while we were out for a walk during the evening.
  • $9.52 Koya Japan (Wednesday) – bought dinner for my sister and I while we were out shopping for new work clothes (for her). My only saving grace was that I didn’t buy any clothes, and I resisted both Baskin Robbins and Ben & Jerrys at the mall.
  • $3.34 JJ’s Coffee House (Thursday) – bought a tea and a muffin while out of the office for the morning running some errands with a co-worker. I should have brought my cheese and crackers that I packed for lunch, and used one of my own tea bags that I have at work, but when my co-worker suggested going to grab a snack, I couldn’t say no.

Total Damage: $18.15. Now, that’s not bad by any means, but all of them could have been avoided. Especially when I had set a $30/month budget for dining out, and I blew the April budget … it sucks. And then when I think to myself that I’ve been doing so well repaying my debts, I deserve a little treat, I get mad. It’s that whole “sense of entitlement” feeling that I hate having.

What I plan on spending:

  • $17 at the Fairmont Empress Hotel for their “Death By Chocolate” dessert buffet (on Friday). Okay, this is a total want vs. need. Not only is this pre-planned, but I’m the one doing the planning! LOL! But this is 5 hours of all-you-can-eat chocolate desserts at the classiest (and most famous) hotel in town. Plus, I plan on treating my good friend to her bill as well, because 1) I didn’t get her a birthday present, and 2) her boyfriend just dumped her suddenly on Wednesday. And we all know that chocolate cures all.
  • $10 for my share of the groceries for tonight’s BBQ with a few of my friends. I don’t anticipate this being very much – at least not more than $10.

I feel like I’m 16 all over again and rebelling against my parents, except that I’m 24 and rebelling against my own budget. And that’s kinda sad.

May Monthly Goals

This will be a tough month because my part-time job with the hockey team has ended for the season. Today I’m submitting my application for an usher at the arena, but I doubt it’ll bring in the $250-300/month I was making with the hockey team. Granted, that’s not a lot of money either, but it’s more than the $100-$150 I plan to pull in with the ushering job. I still make a comfortable amount with my full-time job to not really need a part-time job when it comes down to it, but every dollar counts!

May 2007 goals:

  • Pay off my Line of Credit. I should be able to do this with my May 8th pay cheque. And then (deep breath) I’ll be D.E.B.T F.R.E.E!!!!!!!!!!!! I never thought this day would come.
  • $100 towards RRSP. I changed my mind, and I’m just going to keep contributing $50 bi-weekly. I talked to my Mom about it, and she said I shouldn’t start contributing more until I have a permanent job. Instead, I should put the money into my Emergency Fund because I can always make a lump sum deposit into my RRSP when I’m doing my taxes next year. That seems logical. It also makes me nervous that she’s right – my job situation is so up in the air right now, and my contract at my current job is up in almost 6 months.
  • $500 towards Emergency Fund. I will try as hard as I can to contribute more, because I’m pretty sure I’ll need to come up with the money for that dental work I’ve been talking about. And with this $500, that’ll completely wipe out the EF. :( But it needs to get done.
  • $300 towards Condo Down Payment Fund. Once I’m debt-free, I’m going to pour money into this fund like it’s nobody’s business. But until then, I’m stuck contributing pennies.
  • Find another part-time job. If for some reason I can’t do the ushering thing, then I’ve got to find another part-time job. I don’t know if I’m allowed to be picky, but I’m going to be anyway. I won’t work in a mall, or in a restaurant … and I don’t want to be stressed at all at the job. I really just want a job that will pay me to hang around. That’s why the ushering job is perfect. :) We will see!

April Goals: My Review

Today was pay day, so I updated the sidebar. I put $800 towards my line of credit (almost have that paid off!), $150 for rent, $50 into my RRSP, $150 into the Emergency Fund, and $175 into the Condo Down Payment Fund. I also had to pay my cell phone bill of $42.

The rest of my money went to pay off the charges on the credit card that I’ve spent over the last two weeks, but that was only $158.05 – and that was ALL of my spending for two whole weeks, including groceries. I think that’s pretty good! Anyway, I’m one of those people who charges everything to a credit card, and then I pay the balance off every 2 weeks. With my Visa, I get 1% back on all my purchases, and my Mastercard I get 10 points for every $1 I spend. Once I get 10,000 points, I get $10 worth of groceries. They also give you points for paying bills online, getting pay cheques automatically deposited into your account with them, etc. The BF has the same bank, so we end up combining points. We find that every 3-4 months, we can get $40 worth of groceries. It doesn’t seem like a lot, but it sure feels nice to get a free week’s worth of groceries once in a while just for spending money we would have spent regardless.

Without further ado, my monthly review …

April Goals (end of month review):

  • Pay off the rest of my student loan (!!!). I achieved this on April 13th. HOORAH!
  • $1,200 towards my line of credit. I was able to contribute $1,455, so I’m happy.
  • $100 towards RRSP. DONE. I know I don’t pay enough into it. For May, I’m going to increase the amount to $300/month.
  • $200 towards Condo Down Payment Fund. I was able to deposit $300.
  • $200 into Emergency Fund. I was able to deposit $250.
  • Stay completely on budget for the month. Well, as we all know, I went over budget on my dining out budget. As of right now, I stand to be $6 over, but I’m going for lunch with the BF today, and then going for a cup of tea at Starbucks with my friend.
  • Find out whether the client is ready for me to start working on her project. Well, she is not ready for me to start working yet, because she doesn’t know if she has it in her budget to pay me. She suggested that I take on other contracts in the meantime, and once she’s ready, she’ll wait for me to become available.
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