Give Me Back My Five Bucks

Two birthdays coming up = $$$

Yesterday I miraculously found 2 bus tickets in my jacket pocket, so I didn’t have to go to the store and buy a $25 sheet afterall! And, since I had to take the bus to work again today, my sister lent me her college bus pass. That’s a savings of $10 in 2 days!

However, I’ll have to spend some money in the next week or so. My sister’s birthday is this Saturday (yup, St. Patrick’s Day), and my boyfriend’s birthday is next Saturday. I’m going to try and spend $50 on each of them, which is a far cry from what I bought them last year! For my sister’s 19th birthday last year, I took her to Vancouver for 2 days/1 night, and we saw the Death Cab For Cutie/Franz Ferdinand concert with some friends. And for my boyfriend’s birthday last year, we went to Vancouver for 3 days/2 nights, and I bought us 7th row tickets to a Canucks game for $350 off eBay. And that was a good deal on the tickets too! Anyway, they can forget about that kind of present this year.

Trouble is, now I have no idea what to get them! Gift certificates are out, because those are lame and thoughtless … and going out for a nice dinner with the BF is out (he’s not really that kinda guy). I wanted to get him tickets to see the FIFA U-20 soccer tournament being held here, but those tickets are like $180 each! I might just resort to getting my sister some band merch online, and the BF some bicycling gear from MEC. We’ll see.

I finally know my credit score

Well I decided to take the plunge and check out my credit score on Equifax. Since I’m looking to buy property in the next year, I want to be able to give myself enough time to fix any errors I find on my report, as well as boost my score. It’s not as bad as I thought it was going to be, but it’s also not that great either. Okay, so it’s 727. There, I said it. It’s out in the open for the whole blogging world to see. Not that a lot of people read this blog, but you know what I mean. Anyway, I’ve noticed some errors in my report … a few accounts that have been paid off, some closed accounts that still say they’re open. I’ll have to find my documentation and send it in so I can get that junk off. I think that once I finish paying off my student loans, and not apply for anymore credit, I’ll be fine. 727 isn’t bad, is it? I mean, I know it’s not great, but it’s not exactly a double digit number.

But as for my accounts that have been paid off and I don’t use anymore, should I close them? One of them is a joint account that my dad helped me set up, and I really want to close that one off since I haven’t even used it in like 3 years. But it’s also my oldest account, so I’m not sure. I think I’m going to spend some time today researching up on credit scores, because I don’t want to do anything that could affect my score in a negative way.

In other news, I’m finally going to see my accountant on Friday to file my taxes. I’m hoping that since I have a bunch of unused education credits from previous years, and I’m writing off a bunch of business expenses, that I get a good sized refund. I should, since I was still in school last year, but you never know!

No hockey tournament for me this year

I hate taking the bus. Not only is it always crowded (and I always have to stand for the entire 1 hr. trip), but it always smells like rotting fish. Always. It’s also expensive! It costs me $2.75 for a one-way fare to get to work, so that’s $5.50/day! Even if I buy the discount ticket sheet at $25 for 10 tickets, that’s still only a savings of 50 cents a day. Considering it costs me approximately $7/week in gas for my scooter, I try not to take the bus at all. However, sometimes it’s unavoidable.

Tomorrow I’ll have to take the bus, and since I’m out of bus tickets, that means I’ll have to stop off at the store and buy a $25 sheet before work. I’m still on meds from my wisdom teeth surgery, and the weather forecast says 60-90 km/hr wind warnings, and there is no way in heck I’m riding in a wind warning. The last time I did that, I nearly got blown into on coming traffic!

In other news, I have decided not to go to the hockey tournament that my team enters in every May. Last year we won the whole thing! :) But after tournament fees, hotel, and travel costs, it’s about $200 … which is pretty good for a 4-day tournament … but that’s also not including food. Since we stay at a hotel, there’s no kitchenette, or even a microwave, so that pretty much eliminates making my own meals. Plus, since we’re there as a team, everyone likes to go out for team meals, which equals $$$ in a big way. Anyway, last year I think it ended up costing me a little over $400. I only budgeted $400 for all hockey expenses this year, and I’ve already allocated all of it to the fees for the 3 leagues that I play in. :( So unfortunately, no fun tournament for me this year. That makes me sad, but the debt takes priority. Hopefully I can go next year when I’m out of debt.

That means the only time I’ll get off this island this year is in the end of June, when a friend and I are going down to Seattle for the Canada Day long weekend. I’d better make the most of that trip!

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