I’m on my boyfriend’s health care plan from his work. So the plan costs approximately $100 per month to be on for the both of us (which is still cheap as hell), but he only has to pay the taxes on the cost of the plan. So taxed at a rate of 22% (it gets taxed as income on his paycheque), it only costs us $22/month for full health care for the both of us, including dental, and a $35 deductible on prescriptions. The prescriptions alone are worth it.
Anyway, the reason why I bring it up is because next Wednesday I have to go in for my wisdom teeth surgery. I know, I should have gotten it done a billion years ago … but I moved for University before I could even really think about it way back when I was 17. The surgery without health care would cost over $2,000, but it is fully covered under my medical plan … all except the general anesthetic, which I’ll have to pay $200 for, because apparently it’s not considered “essential” to the surgery. It’s a far cry from having to pay $2,000, but considering it a non-essential is pretty bold. I mean, would anyone in their right mind have their wisdom teeth taken out without being put under? Honestly, it seems so ridiculous.
There goes another $200, plus any lost wages from days I miss off work … damnit!
I usually find that buying CDs gets classified under “want” instead of an actual “need.” That is, unless any one of my favourite artists just happens to be releasing an album. Then I must own it, no questions asked, no matter the price. I’m all for being frugal, but a girl’s gotta have some form of entertainment! (Another weakness of mine: concerts. Nothing beats live music. Nothing.)
It just so happens that two of my favourite artists are releasing albums in the next few months! Squee!! Jeremy Fisher is releasing his album, Goodbye Blue Monday, on March 27th. If you think his name sounds familiar, he’s the Canadian guy who rode his bike across Canada for 6 months, performing and raising money for “Tour des Femme,” which promoted bicycle transport and education for girls in Africa. He’s a really great guy, and he even helped me by promoting my HIV/Sexual Awareness campaign at one of his performances in 2005. :)
The next album coming out is Easy Tiger, by Ryan Adams on June 5th. The man is a frigging genius, and that’s all there is to it. This is his first official album in a while. In November 2006, he released 16 albums via streaming audio on his website. 16 full-length albums. Granted, most of it was crap, but a lot of it was pretty good.
Anyway, that’s $30 extra I have to budget for in the next few months!
Also, since I’ve installed a hits counter on my blog, I’ve noticed no one has actually visited in the 3 days since I launched this site. I wonder how I can infiltrate and make friends with all the other PF bloggers out there? Maybe I’ll go over to the blogs that I read regularily, and comment that I really like reading their posts, instead of being all annonymous about it.
Well, not quite. Yesterday, an hour before I launched this website I dropped just over $3,000 on a new 24″ iMac computer. Let me be the first to admit that 1) I did not need to get an iMac, and 2) I did not need to load it up with a ton of add-ons. That being said, I’m considering it an investment in my graphic design business. Let’s face it, working on a crappy Seanix PC laptop just wasn’t cutting it anymore. Plus, if it’s any consoloation, it’s tax deductible. I know I shouldn’t have to justify splurging a
little lot. What’s done is done, and I’m very happy with my purchase. I should get it in the next week or so, and I’l be sure to post pictures. :)
Let me start off by saying that I am by no means a financial expert. In fact, I hardly know anything about investing. Up until a year ago, I was living paycheque to paycheque, up to my eyeballs in debt. Some months, I could barely make ends meet. It was horrifying and embarrassing. I made some dumb mistakes when I was younger (including lending money to a significant other, who obviously never paid me back), and I am determined to make up for lost time. Just thinking about all the money I’ve wasted over the years makes me sick to my stomach. I think a lot of my friends think I’m “money-obsessed” these days, and think I’m too wound up in it all. Maybe I am, but maybe I’m okay with that. I want to have the financial freedom to do anything I want to do, and that is my ultimate goal.
My job. I currently have one full-time job @ 35hrs/week, and one part-time job that gives me approximately 20-35 hrs/month. Combined, I gross about $4000/month, and actually net around $3000/month. That’s a decent salary for someone my age, and with my education. That’s also not including any graphic design contract work I receive.
After fixed expenses such as my cell phone bill, rent, groceries, RRSP contributions, and Mutual Fund contributions, I am able to put $2000 towards my debt. Any money left over at the end of the month gets put into my emergency fund. As I write this, I’m carrying about $6,500 worth of debt. Because March is a 3-paycheque month, I’ll be able to put away a little more. Hopefully.
March 2007 Goals:
- Sit down with a potential client for my graphic design business, and get a contract signed
- Take on a 3rd job that will yield 10-15 hrs/month or less
- $2,000 towards my line of credit
- $1,000 towards my student loans
- $150 towards RRSP
- $75 towards Condo Down Payment
- $300 into my Emergency Fund