Give Me Back My Five Bucks

Should I fix my budget?

I have a problem. I’ve noticed that I’m constantly going over my “Personal Care” budget of $10/month, which basically includes all bathroom products, make-up, etc. Now, I don’t know if it’s because my $10/month budget is too small, or if I just buy products that are to expensive. When I created the budget, I figured it’d be enough. But now that I think about it, I don’t think it is. Actually, I know it’s not enough. Not with the products I buy.

$10 will buy me a bottle of the shampoo that I like, but what about the matching conditioner? Mascara costs me $10 a tube, and so does my hair straightening balm. And what about feminine products every month? Or hair-cuts? A hair cut, after tip, costs me $68 at my salon. I only get my hair cut twice a year, but that’s $140 right there, and that blows my Personal Care budget for the entire year already. And that doesn’t even include all of my skin care products. I used to work as a “Beauty Advisor” for a part-time job, so I know how important it is to take care of my skin. But when I worked there, I’d get my products for free whenever I attended beauty school classes, or got product bonuses for selling x-amount of something. It’s not so fun paying for Lancome, Lise Watier, or Elizabeth Arden products out of my own pocket. I also have really sensitive skin, so it’s not like I can just go down the aisle of Wal-Mart and pick out some random face cream for $5. The good thing is I probably have a 5 month supply of face cream left, but I’ll be out of my Lancome 3-in-1 toner soon, and that’s $40 right there.

So do I concede the fact that I need a bigger Personal Care budget, or do I do everything in my power to keep to my $10/month? I know that since I’m in debt, I shouldn’t be wasting money on expensive beauty products … but I also don’t want to look like a disgusting mess b/c I don’t take care of myself. And it’s not like I’m going totally over my set budget (I probably spend $15-20/month on average), but still. What should I do?

My first ‘miscellaneous’ post in this blog

Behold the beast that put me $3k+ in debt. Now that I actually have it at home, I can safely say that it was worth every penny. I mean, look at it! It’s gorgeous. For those who are unfamiliar with iMacs, the viewable screen area is 24″, and the machine itself is about 1.5″ thick. The computer is built into the back of the screen, so there isn’t a tower that goes with it. Basically what you see is what you get. The laptop beside it is what I’ve been using for the past 1 1/2 years, and I can say without a shadow of a doubt that I am so glad I switched. I thought it’d be had to switch to an Apple, after having used PCs all my life, but this computer is so much easier to use! It’s so intuitive; No more messy program installations, no more clutter, and everything is so graphic-oriented. I. LOVE. IT. Plus, it comes with a built-in webcam (see black square at the top of the computer), and a remote that can control music/dvds/photo slideshow/etc from across the room (see white thin thing on the right side of the comp – when I’m not using it, it’s held there magnetically). My BF’s computer is in a nook to the right of my desk, and every so often, I see him glance over at my beautiful iMac with a look of jealousy. Anyway, I could talk about my computer all night, so I’ll just stop for your sake. :)

In other news, I had my surgery done yesterday afternoon (it’s like 2am, so technically it was yesterday). The procedure took 2 1/2 hrs b/c the said they ran into some difficulties with my bottom 2 wisdom teeth, and said I would feel more pain than normal in the days to come. They’ve been drugging me up pretty good, so I haven’t felt much discomfort yet, but we’ll see. The BF made me scrambled eggs for dinner, and jello for dessert since I can’t really open my mouth very wide, and chewing is out of the question. I put the $200 cost on my Mastercard, and will pay it off next Friday.

Financially, the TSX has made some major ground the past few days, and I was able to recoup some of the losses I suffered last week in my portfolio. I can only hope this continues!

Updated the sidebar totals

Well, it’s not a big change b/c I don’t have a lot of money left over from Friday’s paycheque (I already put $1,000 towards my student loans), but I managed to put an extra $50 into my condo down payment fund, and $200 towards my line of credit. That’ll stretch me thin until next Friday, but since I’m getting surgery done tomorrow, I’ll be stuck in the house for at least 4 days. I have $50 left in the chequing account, and I’m sure that’s more than enough to last me. In fact, I’m positive.

Last night, the BF and I went to watch Happy Feet at the IMAX. For Christmas, he bought us both an annual membership to IMAX for $45 each. To see a movie without a membership is about $15, so it’s a pretty good deal. Anyway, whoever’s seen Happy Feet before knows how ridiculously cute it is. Too bad the BF didn’t like it (his idea of a good movie involves lots of violence, helicopters, and guns), but what did he expect? I told him it was an animated movie about a dancing penguin, so he knew what he was getting himself into when he took me to see it!

Also, I hate how my sidebar looks in Internet Explorer. I use Firefox at home, and the status bars look perfect and nice, but when I get to work and look at it through IE, it looks like someone crapped all over it. And I know it’s due to my poor coding, but to be honest I’m just too lazy to fix it. So I guess it’ll stay ugly like that until I can get the % amount high enough in the bars to accomodate the actual number. Some website developer I am!

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A beginner's guide for Canadians looking to get their financial life in order. Get great info on budgeting and saving, RRSP's and pensions, investing types, insurance, and where to go for additional resources.

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