Tuesday, June 16, 2009

Car Fund account/ Increasing income

I have three savings accounts with PCF. I allocated one as "Car Fund," where I would save up funds for gas, maintenance (oil changes) and repairs, and optimistically a six-month chunk for the insurance company, so that I could get out of paying month-to-month - adding another $100 to my monthly income.

I just can't seem to keep more than $400 in that account, so I've deleted the tracking from my sidebar. Ideally I need at least $800 for my goal, more if I want to add snow tires to the roster.

I'm thinking again of getting a part-time job. I'm a Telus customer, and I was thinking of putting my resume in to the store at the big mall. The main setback is that I have only weekends to work, but there are occasional weekends that Bean's dad does not take him.

Also, if I make too much money my daycare subsidy decreases, increasing cost of daycare. This won't be an issue once Bean starts kindergarten in 2010. As well the student loan goons might not be as friendly to me if my income increases. I am currently on interest relief while I pay down my credit card/line of credit.

I have tried to bring in more income but selling my stuff on ebay, and Bean's stuff at the consignment shop, but the little bit it brings in does not justify the time spent getting it out there.

I'm spending more in my "Misc." category because it is summer and I have a lot of opportunities to socialize. I think once summer is over I will be able to go back to spending not much at all. I tend to hibernate when the days get shorter.


Monday, June 08, 2009

Diaper deals at Rexall

This week I will be visiting Rexall (Pharma Plus) drug store for the third time in two weeks to purchase Huggies. We use the diapers for night time and the Pull Ups at daycare. The Huggies Pull Ups are far superior to Pampers or store brands (this is not a sponsored post). Both the diapers and the Pull Ups are in the flyer for $14.99 until this Friday.

Plus, I am armed with $2.00 coupons for the diapers that I found in the blue box in my building, and $2.50 coupons that were on the shelf of Price Choppers - I have been taking one each time I go into the grocery store to buy food. So the diapers are only $12.99 and the Pull Ups are $12.49. Much better than $17 or even $19.99 for a little pack of 40!

So, I may go over-budget by about $100 this month, but we should be stocked up on diapers and Pull Ups for the most of the summer. Hopefully Bean potty-learns by September :)


Saturday, June 06, 2009

Money Ups and Downs - an update

I way way way overspent in May. There were two trips to the big city, the second one involving a trip to the thrift shop where I scored three dresses, a blazer and a pair of leather flats for $40.

I would like to make a picture post with my deals, and some of the frugal meals I have been making, but it's not often I get to an internet connection long enough to do so. I am still reading most of the blogs I am following on my smartphone.

For a few days last week my facebook-addiction was seriously challenged, when I couldn't get it to load on my phone. I tried to convince myself that it was a good thing, that I could now downgrade to a simpler phone and drop the $15 unlimited web access from my phone bill. I even pulled out one of my old phones to make the switch. Then I figured out how to fix the facebook and practically kissed my smartphone in relief.

It's kinda like when I quit coffee when I was sick. I lasted almost three weeks, and slowly the coffee addiction has crept back up on me. I am weak.

But I have continued to eat my protein at almost every meal, and I'm still taking all my supplements. I'm taking a cheaper vitamin now that isn't nearly as good as the one I get from my naturopath.

I was in the graduation ceremony for my Honours degree the other day, and it was really nice. My Mom and Gramma drove up from the big city to see me, and my sister was there too. Gramma gave me a generous bit of cash, which was totally unexpected.

When I went to deposit it into the bank machine, I noticed a discrepancy in my account. I had a suspicion, so I checked my account online, and found a $40 NSF service charge for a bill payment that was supposed to go through. I thought I had it all carefully planned out, but I guess I forgot to make the transfer from savings to cover the bill charge. You think the bank could just pull the funds from my savings account, but no. No fee banking, my butt.

I'm back in the big city this weekend. Right now I'm at my Dad's, using his wireless connection. I have a date planned for this evening. Have fun everyone. I know I will! :)