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Showing posts from May, 2010

Bye bye for now

To do tomorrow: have the Ford towed back to the parking lot of my building. The mechanic of the lot where it sits now quoted me a $3000 repair bill, and then offered to sell me a 96 Corolla for $1500. He said the timing belt went, exposing valves, bending them, and frying the engine. As it stands now I owe them $120 for the diagnosis, and tomorrow I'll pay them and have CAA tow my baby the hell out of there. My sweetheart stopped there last night to remove the boy's car seat and found both doors unlocked and the key in the ignition (not that the car would start to go anywhere, but still).

What a mickey-mouse operation. If I decide to get the car fixed, I won't do it there.

In their defence, I did say I'd be by to settle up by Wednesday or Thursday so maybe they just forgot to lock up after I didn't show up on Wed. But still.

So for now I have a 30-day bus pass and a plan to use next month's gas money to buy a toy shelf for Bean's bedroom. He is just recentl…

Update

Jolie wanted to know how the cash jars are going so here's an update.

We're going into week four with the cash jars. So far I think I'm getting used to it. One problem I can see so far is with gas money. For the past three months I have spent around $80 on gas for the car, so for this month I budgeted $100. The whole amount was spent a week ago. I suspect it's because I am using a full-serve station now and maybe they aren't very honest at the pump. I can't think of another option because my son is usually in the car when we fill up and I used to rely on pay-at-the-pump with my credit card. I'm thinking of going back to that.

For groceries the cash only seems to be working though, and we still have $60 out of $200 remaining with just over a week to go. I don't have any of my $100 personal spending money left but that's to be expected. I sold my sister my crappy cell phone and all its accessories for $50 and I still have $40 left from that.

In other …

Save Your Bucks

Save Your Bucks
By Robert Loney

Ever wonder who is offering the best price on that fridge? Or whether you could get a less expensive long  distance calling rate? Here I am to your rescue! Paying for a home internet connection? Make it work for you!  Various organizations and people have posted aids to help consumers get a better deal, and in doing so have probably made retailers and service providers drop their prices a bit as competition heats up! Here I'll provide some useful web sites that can help you save money by becoming a smarter consumer!

First, let's tackle the purchase of goods. There are several sites that compare how much a particular item costs at different retailers. Most allow you to search for a product by specific features (e.g., freezers that are energy star), and some also provide full descriptions and user ratings on items.
http://www.pricecanada.com
Computers, electronics, DVDs, Canadian oriented.
http://www.shopbot.ca/
A wide range of products, Canadian …

It seriously didn't matter

I opened my first savings account when I was six years old. My mom was a bank teller and she set my sister and I both up with Calculator accounts at the Royal Bank. I loved playing with my passbook, pretending to push the little buttons on the cover. I loved rolling up pennies and giving them to my mom to deposit, watching the typed numbers increase in the passbook.

I always had a little bit of cash, even as a little girl. I got an allowance of $2 a week and I liked to spend it on books (usually Judy Blume). I remember coming up with extra chores lists, and would charge my parents 25 cents for anything above and beyond my usual chores. My sister always spent her money right away and would come to me to "borrow" my money because she knew I always had some.

I had an ATM card when I was twelve, and used it wisely. I knew how to write a cheque. I took a business class in high school, with a component in personal finance and did very well. I took business math and marketing and e…

Cash Only

April was a little too spendy for my liking (two impulse shops + one trip to the Capital + one trip to have my snow tires removed + Bean's fourth birthday = $500) so for May I have switched to cash only. I withdrew $400 cash ($200 for food & household, $100 for car-gas, $100 spending money) and divided it into a couple of old spagetti sauce jars.

So far, I hate this system. I am just not used to cash. I like cards.

I don't know if I'll get used to it. I'm going to try my hardest, because I can't rely on the security of my line of credit anymore, since I transferred the balance of my debt onto a low-interest master card (0.99% for ten months). Previously I was depositing my monthly paycheque into the LOC account and removing a weekly amount for expenses (usually $100 a week or $200 when car insurance was due). This system seemed to work really well for me: I was paying the balance down and feeling secure about access to my funds.

Now that my debt is sitting in a…

Wants/Needs; Pros/Cons

Canadian Saver asked me why I want a Dell mini and it made me think. Besides the fact that it's cute, why do I need this new toy?

So I thought I'd make a pros/cons list:

Pros:
- small size will make it nice for my weekend jaunts
- 160 or 250 gbs for storage - I can keep more pics, music and maybe a movie or two for travel
- I can get one with a purple top!

Cons:
- my son will think it's his, because it's small and purple (his fave colour)
- I want the OS to be WinXP, and this is available only with a 3-cell battery (a 6-cell battery on its own is $170 extra)
- adding purple adds $30 to the cost, plus I'll probably buy a sleeve (compound spending)
- I read somewhere that the sound and video don't actually work well on the Mini
- I'm supposed to be paying off my entire credit card debt this year, so I must stop spending money I don't have!

Seriously, Karissa