tag:blogger.com,1999:blog-124092162023-11-16T05:39:36.375-05:00Debt Free KidMama's in debt, but the kid is alrightKristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.comBlogger242125tag:blogger.com,1999:blog-12409216.post-66432648045334779342020-07-27T15:50:00.001-05:002020-07-27T15:59:30.113-05:00Debt Update for August 2020<h1 style="background-color: white; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal; margin: 0px; text-align: left;"><font face="inherit" size="3"><u>Total Debt $124,781.70 August 2020</u></font></h1><p style="background-color: white; font-stretch: normal; line-height: normal; margin: 0px; text-align: left;"><br /></p><p style="background-color: white; font-stretch: normal; line-height: normal; margin: 0px; text-align: left;">Mortgage $151,888.38 Nov 2014 [2.94%]</p><div class="widget-content" style="background-color: white; color: #292929;"><li style="line-height: normal;"><font face="inherit">Balance today $119,937.49 [2.81%]<br /></font></li></div><div class="widget-content" style="background-color: white; color: #292929;"><u style="font-family: inherit;">Years left: 13.75</u></div><div class="widget-content" style="background-color: white; color: #292929;"><u style="font-family: inherit;"><span><a name='more'></a></span></u></div><div class="widget-content" style="background-color: white; color: #292929;"><p style="color: black; font-stretch: normal; line-height: normal; margin: 0px;">Appliances (New fridge and dishwasher) $1913.87 Oct 2019</p><p style="color: black; font-stretch: normal; line-height: normal; margin: 0px;"><span style="color: #292929;">Balance today $1113.87 [0%]</span></p><p style="color: black; font-stretch: normal; line-height: normal; margin: 0px;"><span style="color: #292929;"><u>To be paid in full August 2021<span></span></u></span></p><!--more--><p></p><p style="color: black; font-stretch: normal; line-height: normal; margin: 0px;">Orthodontist $5505.25 Feb 2020</p><p style="color: black; font-stretch: normal; line-height: normal; margin: 0px;">Balance today $3132.90 [0%]</p><p style="color: black; font-stretch: normal; line-height: normal; margin: 0px;"><u>To be paid in full May 2021</u></p><u style="font-family: inherit;"><span><!--more--></span></u><font face="inherit">Car Loan $19,587.90 Apr 2014 [1.99%]</font></div><div class="widget-content" style="background-color: white; color: #292929;"><li style="line-height: normal;"><font face="inherit">Balance today $0 PAID OFF Nov 2018<br />Cdn Black Book Value $8344<span style="text-decoration-line: underline;"><!--more--></span></font><font face="inherit">Student Loan Debt $32,765.40 at consolidation in 2006</font></li><li style="line-height: normal;"><font face="inherit">Balance today $597.44</font></li><font face="inherit"><li style="line-height: normal;">Canada-Ontario Loan $10,097.40 Balance $597.44</li><li style="line-height: normal;">Canada Student Loan $5341.62 Balance $0 PAID OFF JULY 2020</li><li style="line-height: normal;"><span style="text-decoration-line: underline;"><font face="inherit"></font></span><font face="inherit"></font></li><li style="display: inline; line-height: normal;"><font face="inherit"><font face="inherit"><font face="inherit">Bank Loan (Federal) $13,962.98 Balance $0 </font></font></font></li><li style="display: inline; line-height: normal;"><font face="inherit"><font face="inherit"><font face="inherit">PAID OFF JUL 2018</font></font></font></li></font><li style="line-height: normal;"><font face="inherit">Bank Loan (Provincial) $3,363.40 Balance $0 PAID OFF DEC 2017<span><!--more--></span>Credit Card Debt $20,500 Nov 2008<br />Balance $0 PAID OFF May 2011<br /><br />Line of Credit for used car $5000 July 2011 Balance $0<span><!--more--></span><u style="font-family: inherit;"><font face="inherit"></font></u></font></li><li style="display: inline; line-height: normal;"><font face="inherit"><span style="font-family: inherit;"><font face="inherit">Borrowed $3000 for yoga school July 2012 </font></span></font></li><font face="inherit"><span style="font-family: inherit;"><font face="inherit"><li style="display: inline; line-height: normal;">Balance $0</li></font></span></font></div>Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-9132342024694864802020-04-30T14:18:00.003-05:002020-04-30T14:24:23.246-05:00Here's the UpdateIn 2016 I left my comfortable part-time permanent office job for a full-time job with the same employer but in a different location. The new job and I were not a good fit but I quickly got used to giving 200% for a $15,000 a year pay rise.<br />
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In 2018 in an ugly twist of circumstance I was told I failed my probation and was sent home with pay for almost three months. I was told to look for another position. I was running out of time when the third office I interviewed for accepted me as their office assistant, and I have been happily working for them since.<br />
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My current position is a much better fit for me, but it is even fewer hours than I worked from 2013-2016. Also the union agreed with HR to freeze my hourly rate to what it was when I left my permanent position in 2016. So, not only am I not receiving cost of living increases, I am also making less money because I work fewer hours than before.<br />
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When I was sent home in 2018 I was devastated and thought my 16-year stint was over. I applied to several college programs and started looking at the idea of branding myself to make money online.<br />
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My self esteem was completely devastated by the demoralizing work environment I had allowed myself to be subjected to for almost two years, so I started trying to build myself up by reminding myself of all the amazing things I had done by myself for myself and my kid as a single mom over the previous ten or so years.<br />
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And thus, the Debt Free Superhero was born, part caricature and part homage to the pop culture lifestyle my kid and I had got into in recent years. My intention was to turn the pages and pages of written notes in my journal into blog posts that would inspire other single moms to get and stay out of debt, and still live a somewhat indulgent and very happy lifestyle.<br />
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But the notes were never transcribed into posts, and then when the pandemic hit we found out the real superheroes are the front-line and medical workers who are keeping everything afloat. I'm not comfortable calling myself a superhero anymore when all I have done in the past eight weeks is continue to work at my office job from my living room couch!<br />
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My 2020 budget spreadsheet shows that my domain name will be up for renewal in May. In two years I have made only two blog posts, so I'm thinking of letting the whole thing go. I can save the money and type out my ideas here instead.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-52665835033083402442018-07-03T08:50:00.000-05:002018-07-03T08:50:21.273-05:00Debt and DatingI felt so alone when I began our debt free journey at the end of 2008. I was exhausted from going to work every day and the evenings felt excruciatingly long while I was at home on my own with my two year old. Up until that point I had my old friend Ebay to keep me company, but when the VISA bill came in with a balance over $20 000 and the minimum payment was $250 (which I could pay, but then not pay the hydro bill), I broke down and admitted to myself that everything had to change.<br />
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A few months later we were settled into our apartment and I started dating a man I met at work. As I got to know him I became extremely self conscious about my financial situation. He came from an upper middle class family, and his parents paid for his post-secondary school tuition, up to his Master's degree. When he received scholarships for his PhD, they gave him the rest of the saved education funds to buy a house. By the time I was getting to know him, his house was sold at a profit and he was living at his parents' while he taught part-time. He was driving one of his mother's cars, and at least once she paid his mobile bill when it showed up in the mailbox.<br />
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Alternatively I was living in a one-bedroom apartment with my 3 year old and determined to power-pay down my $20 000 credit card debt. The $35 000 student loans were on interest relief and wouldn't budge from that number for years. I was driving an 11 year old car for which I paid $2000, and it was causing me all sorts of issues. I had no wiggle room in my budget for meals out or gifts. I was thinking of studying a Masters degree part-time with my employer-sponsored tuition waiver, but I was still exhausted and afraid to start something and then fail. A PhD for me was out of the question because it would mean borrowing more student loans, which I was not willing to do.<br />
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On the one hand, it was great because this guy said he didn't mind paying for our weekend fun, and if I didn't have those months with him, I might have suffered debt burnout. On the other hand, the anxiety I created for myself around christmas and birthdays was agony, because he and his parents could afford to be generous. I spent the whole time trying to downplay my financial status because I didn't want them to judge me or think of me as less than them because of my situation.<br />
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When it was finally ending, and we were arguing, he made a comment about all the money he had spent on me while we were together. It was like he thought I was a bad investment that didn't pay off for him, like his house purchase had. I vowed to myself then and there that I would never let a man pay my way 100% ever again. From then on it was 50/50, and if I couldn't afford it, then I would be alone.<br />
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In the past couple of years I have been on coffee dates with quite a few men who tell the same story: they dated a woman, married her, bought her a house, paid off her student loans or paid for her tuition. Then the divorce and they had to give her half of everything they owned. They felt used and sometimes resented having to pay child support. Now these men look at all women as gold-diggers, and their ex-wives as an investment that didn't pay off.<br />
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Each time I told my story I felt more and more like a superhero: I paid off my own debts, I saved up for and bought my own house. I'm paying off my student loans. I receive a small amount of child support each month, and it is used to provide my son with a good life. He has everything he wants and needs, and more.<br />
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<br />Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-35281066300144733602018-06-23T18:59:00.000-05:002018-06-23T19:18:18.286-05:00Keeping it real - the parentalsOriginally written in 2009:<br />
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I was going to wait a few days to think about this some more, but I changed my mind and decided to jump into the topic of parental contributions to my financial views and life practices. <a href="http://fabulouslybrokeinthecity.blogspot.com/2009/02/parents-finances-what-have-you-received.html">Fabulously Broke</a> and <a href="http://chroniclesofdebt.blogspot.com/2009/02/parental-help.html">Debt Chronicles</a> did it, among others, and I will too.<br />
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Like always, I am going to try to focus on the positive (it's gonna be a challenge though).<br />
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As a young child I remember having it all. Both my parents worked and we had a house and a nice car and lots of toys, food and music. My parents liked to have a good time and I spent a lot of time at my (maternal) grandparents', who also lived comfortably and free from want.<br />
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During the recession of the early 1980s my dad made some investment mistakes and lost our house. My mom left him for this and other reasons and moved us into an apartment near her parents' place. We left our lower-middle class, multi-cultural neighbourhood for one that was primarily white and upper-middle class. I felt out of place at my new school from day one.<br />
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My mom worked long hours in an office and I spent a lot of time either on my own or with my grandparents. She managed to buy the condo we were renting, which was a real source of pride. However there was a scarcity mentality that seeped into me, against which I now struggle. There was "never enough" money for this or that. The kids at my snobby school teased me for not wearing designer labels, and I didn't have an after-school hobby like the other girls, such as figure skating, synchronized swimming, or rhythmic gymnastics. I once asked to join a baseball team but I was told there was "not enough" money for the uniforms, and besides, my mom didn't have enough time to drive me around to all the games.<br />
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When I was 13 I got my first fast-food job, because I was about to start high school and really wanted a designer shirt to wear on the first day of school. I desperately wanted to look cool. I worked part-time all through high school: in fast food, in a gas station, at a drug store ... I moved in with my dad when I was 15 and had to work because he didn't have a job at the time. I helped out by buying my own food, clothing and toiletries.<br />
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When I was 17 I went on welfare and moved into my own apartment but it was so infested with mice and cockroaches that I lasted only a couple of weeks. When I returned home my dad said that he was moving in with his girlfriend and her three kids and offered me to come along, but I didn't feel like he meant it. So I tried again on my own and have been ever since.<br />
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I worked, and I <a href="http://www.debtfreekid.com/2008/12/once-upon-time-i-was-good-with-money.html">worked</a>. I was in the minimum wage trap without any support from my parents, to whom I barely spoke during my early twenties. I took a <a href="http://www.debtfreekid.com/2008/12/my-student-loan.html">student loan</a> to go to college, and then more loans to get through university. When I graduated with my B.A. in 2002 my dad bought me an old car to get around in, for which I was grateful.<br />
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Both my parents have expressed a desire to "help me out" but neither seem to be able to find the resources to do so. For as long as I can remember they have had their own lives, separate from my own, and I have been able to fend for myself. I am fiercely independent and have asked for help only a couple of times, and was refused. My mom always said that "no one helped her" which I disagree with entirely, but that's another story.<br />
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<span style="font-weight: bold;">EDIT:</span> I have re-read this post a few times and I can't seem to put a more positive spin on it. However I strongly believe that I have a good life, that it all could have been so much worse, and that I have a bright future ahead. I am a work in progress, and a true success story.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com7tag:blogger.com,1999:blog-12409216.post-34537058672580062952018-01-03T15:06:00.000-05:002018-06-07T14:50:24.087-05:00Nine Year ReviewNear the end of 2008 I finally figured out that my spending was out of control. I was 34 years old and I was going to end up bankrupt. My lifestyle was inflated compared to my earnings, and all I wanted was what everyone else wants: a home, a car, some stuff. My car at the time was an old beater on its last wheels, but my home was a rental house that I couldn't afford. I had a huge student debt at the time which began in 1996 and looked like it was going nowhere. My credit card debt was almost as huge, and I still couldn't stop shopping.<br />
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I gave notice on the house and moved myself and then 2.5 year old son into a one-bedroom apartment. I went car-free periodically whenever the beaters left us stranded. I stopped buying daily coffee and meals out. I stopped pick-me-up treatments for my hair and toenails. I still made stupid spending mistakes, but I managed to pay off the credit card debt in 2.5 years in 2011.<br />
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At the end of 2014 I cashed in my small retirement savings account to buy a house. The bank approved me for $250 000 but my calculations showed that I could only afford to pay off $150 000 over 25 years so I had to choose in a different neighbourhood. It was not my dream house but it didn't need any immediate renovations so it was better than good enough.<br />
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In 2016 I had a small panic attack about my budget, when I realized I still wasn't going to be debt free and ready to retire before the age of 60 (which will be in 2034). I finally got laser-focused on my numbers, and was ready to get rid of the student loans, the seven-year car loan, and at the same time increase my savings accounts.<br />
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Instead of boxing day shopping, I spent the second half of my xmas holidays going over and over the numbers for 2018 and 2019. By 2020, I will have only mortgage debt to pay. Any debt I accrue for house renovations will be paid off by the end of each year. I will have enough saved to cover my two "gap years" when I retire early with a reduced pension in 2032, at the age of 58.<br />
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There will always be "what-ifs" that may hinder my progress, and that is life. But these are my goals and what I am sticking to. I now have nine years of practice to realize my goals. <br />
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<br />Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-76011729050168143032017-04-17T16:20:00.000-05:002017-04-17T16:20:10.743-05:00Dig a little holeHello! Happy New Year! Happy Easter!<br />
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Like usual, I've been updating my sidebars but not any actual content with this blog. Everything is still going swimmingly, as we just keep swimming, just keep swimming, further into middle age (me), adolescence (Bean) and adult kittyhood (Baxter and Link).<br />
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Bean is turning eleven at the end of this month! I know! I started this blog when he was three - although you wouldn't know I've been at it for eight years judging by the sound of crickets around here. He is very much a "tween" with his headphones on and his jeans showing his ankles since his legs are growing out of them.<br />
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I was very fortunate when he was little, since his great-aunt handed down all the clothes her grandson - two years older - outgrew. But for the past couple of years this source dried up, and luckily I now make a little bit more money than I did when we were younger. We found a pair of jeans that he loved at The Children's Place and would buy three or four pairs new each September. He wears them until Spring (luckily he is only getting longer and seemingly leaner) and then they are cut into shorts for the summer. Usually by then the jeans are missing their knees so shorts are the next best step. Then, when he can no longer button them up, they go into the donation bag.<br />
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This summer we have a big plan to take an overseas holiday!! I have been saving for years for Bean's braces, but his mouth is still full of baby teeth so I took the plunge and booked a two week trip to France for the two of us! I will be back in debt for a couple of months, but should be able to pay it back by the end of the year if we can commit to a frugal christmas. Bean is ok with me not throwing a birthday party for him this year, and his birthday gift is a ticket to Lollapalooza in Paris!!<br />
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It sounds so indulgent for a single mom to take her tween to Europe, especially since the house we bought needs so much work, but I just had to do it. I've been thinking about it for two years. By next year, Bean will be even lankier and stinkier and I won't want to share a hotel bed or a tent with him (we will be camping in Bordeaux for seven days). He might not even be speaking to me by then! (Not likely, I stopped speaking to my mother when I was fourteen, so I might have a couple more years.) 😊<br />
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I will have to add a sidebar with the small amount of debt I'm taking on to pay for the trip. On the other hand, the sidebars for the car and student loans payments have been decreasing nicely, n'est-ce pas?Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com1tag:blogger.com,1999:blog-12409216.post-57440043013391045212016-11-02T16:09:00.000-05:002016-11-03T09:35:59.484-05:00UpdatesI just updated the side bars and I noticed - unless I made an error previously - that my student loan balance is going UP instead of DOWN. I have read about this happening to other people, but because I have diligently applied and been accepted for the Repayment Assistance program every six months, I thought my balance was actually going down.<br />
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This puts the pressure on me to shift my fast-track payment from the car loan to the student loans. This is starting to feel right, because the student loans are old, so old, from 1996 - 2005 and I don't want to deal with them anymore.<br />
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I am making an extra $20 a month car payment and now I am going to increase the student loan payments. I haven't increased the mortgage payment yet.<br />
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The big news is that I started a full-time job in August, and I saw my first, full, real paycheque on Oct. 28. I saw an increase of $588 in my take-home pay, which is nothing to sneeze at, but our expenses for before and after-school care will increase dramatically, as will the student loans payments. This is mostly because my gross pay increased by $1600, but of course taxes, etc. took most of it back.<br />
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So, once again, I'm finding that it is almost not worth increasing my hours at work, since I see only a small increase to help my budget along. Increasing my work week hours by 14 over the last 3 years brought me only an extra $1000 a month, and I don't actually see much of it due to increased payment obligations.<br />
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The benefit to increasing my gross income when I first did so back in 2013, was that I was finally able to qualify for a mortgage.<br />
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The good thing about the new job is that it is only a 12-month contract. After 12 months I might return to my previous two part-time positions, and my budget spreadsheet accounts for this.<br />
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I am still on-track for the following:<br />
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Aug 2019 - car loan paid off<br />
Dec 2021 - student loans paid off<br />
July 2022 - quit secondary part-time job (less seven hours worked per week)<br />
Dec 2024 - RRSP paid back<br />
Dec 2031 - retirement from uni after 30.5 years (aged 57)<br />
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Go me!Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-68899210930992950402016-07-22T16:02:00.000-05:002016-07-22T16:02:00.725-05:00Mid-year reviewIt took me half a year to figure out that I might run out of money before year-end.<br />
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According to my spreadsheet, overspending and indulging has left me with only $1300 to cover groceries, gas, and spending money for the next five months (Aug - Dec).<br />
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It shocked me to see this, since I don't feel like I live an extravagant lifestyle at all. I haven't bought any new clothes or shoes for myself in 2016, and I last had a cheap haircut in August 2015.<br />
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I still haven't called the plumber in to fix the leak in the bathtub / kitchen sink either.<br />
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I did move $1000 from a savings account onto
the car loan back in April. And I plan to do so again in August. I
really want to get rid of the car loan.<br />
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Some expenses have gone up, such as house and car insurance, property taxes, and hydro but heating gas has gone down by half to make up for it.<br />
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I have my 2017 spreadsheet all set up and if I stick with it properly, everything will be covered, including savings goals AND I will still have $100 left over each month. In addition, I will begin making regular over-payments on my car and mortgage.<br />
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About a month ago, I had a little panic when I realized that in less than eight years, I will no longer receive child support payments or child tax benefits when Bean turns eighteen. That is 25% of my net income disappearing like magic.<br />
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So, I sat down with the spreadsheet again and made separate sheets for 2018 - 2024, and figured out that if I am really careful, I will have my car paid off early in 2019, and the student loans paid off in early 2021. Then I can make even larger mortgage payments in order to build up some equity to protect me from financial hardship.<br />
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If I'm really good, I can quit one of my part-time jobs around mid-2024, which would be really nice.<br />
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We shall see! I'm glad I had these mid-year awakenings to get myself back on track for my future.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-87310556800404988222016-05-13T16:54:00.000-05:002016-05-13T16:54:13.929-05:00In three yearsIn three years I will be 44. Bean will be 13.<br />
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In three years our car will be paid off. As soon as Bean's legs are long enough, I will teach him to drive it, and we will share it until it no longer runs. I don't plan to buy another car.<br />
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In three years I will owe less than $10 000 on my student loans.<br />
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In three years I will owe just over $110 000 on the mortgage.<br />
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In three years I will either be working full-time, or I will take the leap and reduce my work hours and practice living minimally and mindfully.<br />
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In three years we will be thinking about which high school Bean will attend. Will he go into the international baccalaureate program at our local school, or will he commute to the other end of town to continue French Immersion? We will have another year to decide.<br />
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In three years I will have hopefully reached my savings goal.<br />
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In three years I will have struck another couple of items off my bucket list in the sidebar.<br />
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<br />Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-6446938070562322432016-04-19T16:53:00.000-05:002016-04-19T16:53:03.266-05:00Funny credit card ads from the past<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIlIIomEW4QoWJSabIjdwtulvnHHtw0Vr3QMmxYMH8s8tJSr8b4ztRuqrJAR7eQ_Fq1dVLnuC-pk8DYwMTuJ3Y-aRkZH49npwBbdNB7toKRiTDHPdu1XamOQiIY3TxakoaKQgkaQ/s1600/MC+capitalist.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIlIIomEW4QoWJSabIjdwtulvnHHtw0Vr3QMmxYMH8s8tJSr8b4ztRuqrJAR7eQ_Fq1dVLnuC-pk8DYwMTuJ3Y-aRkZH49npwBbdNB7toKRiTDHPdu1XamOQiIY3TxakoaKQgkaQ/s320/MC+capitalist.jpg" width="219" /></a></div>
<div style="text-align: center;">
From <a href="http://www.retrospace.org/2016/04/ads-83-money.html" target="_blank">Retrospace: Ads # 83: Money</a></div>
<br />Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-81908794935384678752016-04-07T16:12:00.000-05:002016-04-07T16:12:00.881-05:00Make doIt took a few months for me to figure out that the theme for 2016 is "Make Do." Because I have compulsive spending habits (that got me into over $20 000 in credit card debt), I have to be very careful with my idle time. If I am on a computer I have to avoid online shopping, and if I have a few free hours on the weekend I have to avoid the shops.<br />
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It is not made easy when my newest credit card allows me to designate three shopping categories to receive my 2% cash back each month. Since January, one of my self-selected categories is "Drug Store." I have been out of my nice face serum since late 2015, and it has been so tempting to go into the drug store and purchase another $50 bottle, knowing I will get $1 back for the purchase. But I have avoided the drug store and saved the money, and I am instead using up a jar of $50 cream that I purchased last year. Making do with what I already have. I am similarly avoiding Sephora, since I have at least 10 lipsticks and liners that I can use up, and a few mini tubes of mascara that I bought on a whim last spring.<br />
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I have an obsession with tech, and I bought two mobile phones in 2015 (one new and one used). I decided to keep the new one, and sell the used one. I am currently a bit obsessed with another new phone, and the wearable technology that accompanies it (at a hefty price, natch). I have promised myself that I will "make do" with the phone I bought last year because it is still a good phone, and that I will not buy another phone until 2017. Maybe by then I will find a used version of my latest obsession at a cheaper price.<br />
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I've decided to switch my mobile service to a cheaper company, even though sometimes it is slightly crappy. Am I so important that I have to be on call at all times, or that I have to have data service in every area I visit? If my phone is not getting service for a bit, it is a good opportunity to put it away and enjoy where I am, what I am doing, and who I am with at that moment. Nothing in my life is so urgent that I have to pay $15 more a month for a phone service. I will make do with what is cheaper.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-27036905194260209502016-02-10T16:58:00.000-05:002016-02-10T16:58:06.976-05:00<div style="text-align: center;">
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" /> </div>
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<a href="http://play.nintendo.com/themes/holidays/nintendo-valentines-day-theme-2016/">http://play.nintendo.com/themes/holidays/nintendo-valentines-day-theme-2016/</a></div>
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Bean has decided that he is a geek/ nerd, and I'm having fun indulging him with comic books and watching great superhero TV shows with him. We don't have cable TV, so we wait until the shows air and then catch them online the next day. </div>
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He loves the Nintendo characters (even though I bought him an XBox last year - d'oh!) and I printed off a bunch of free Valentines from the link above for him. Tonight we are going to watch The Flash, glue the Valentines onto construction paper hearts, and make sugar cookies for his classmates.</div>
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I received statements for two of my four student loans the other day, and the smallest loan was at $1650 at the end of December. I'm tempted to use part of one my savings accounts to pay the loan off completely. It's been a part of my life since I started college in 1996, and I want to see it gone. Twenty years! Currently, I'm in an assistance program where the government pays the interest and a small portion of the principal of each loan. This small loan gets a $5 payment from the government each month, along with my $15. It's like it will never go away.</div>
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I could put $1500 towards my mortgage, which is the loan with the highest balance and interest rate (2.94%) or towards my car loan (1.99%) but I think I want to take the Ramsey route and tackle the smallest debt first. It will be nice to see PAID OFF on one of my loans. Then I can put the $15 towards the next smallest loan and see that one disappear as well.</div>
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Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-29365796174957130502016-01-08T16:11:00.000-05:002016-01-08T16:11:10.450-05:002016 so far ...So far not off to a great start. I misread a letter from the student loan company and was $4 short for one of my payments. I started off the new year with a $45 NSF fee in my "no-fee" account. It was a really stupid mistake, since the line of credit they granted me is sitting there unused, and I could have transferred an extra amount from there just in case ... could have, should have. The mistake will eventually be forgotten, but not my grudge against that bank. I have already pulled almost all of my money from it to use another no-fee bank that is serving me much better.<br />
<br />
It felt great to end 2015 with all my bills paid, thanks to the "Xmas Saving" account I set up, where I deposit a small amount each month to cover December (extra) spending. However, I forgot to leave a little bit in there to visit a friend before New Year's, and ended up having a larger than expected credit card bill to pay in January. So I'm playing a bit of catch-up this month and not spending on anything else. I think I might make February a no-spend month as well, and this year try not to compensate by having a spendier March.<br />
<br />
I had my 2016 budget in place a couple of months ago, and I'm still making tweaks to make sure I can pay back the RRSP I borrowed to put the down payment on my house. I'm also trying to save a "Car savings" fund for parking tags, plates, and oil and tire changes. Those bills always seem to come up the same months as my extra mortgage payment months.<br />
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The cat stays indoors now, so hopefully no large vet bills this year.<br />
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The car loan is under $15 000, the student loans are chipping away, and the total debt is under $180 000. Still pretty good for a single mom working not-quite full-time.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-69768643808716530302015-11-27T15:30:00.000-05:002015-11-27T15:30:00.181-05:00I was so close to shopping online today ("black friday")Yep, I almost did it. I almost pulled the trigger on a couple of sites today. I had stuff in the carts, but I closed the tabs before I pulled out the credit card.<br />
<br />
The first cart contained a couple of "ugly christmas sweaters" for Bean and I, and they weren't even that ugly. The one for me was pretty cute, and since it was pink and black, I could wear it year round. I knew Bean would get a kick out of the one I picked out for him.<br />
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The second cart was for skincare, my most favourite thing to splurge on. I'm almost out of my $55 serum, and I saw an email for some sample primers at a great price. I needed to add only $2 more to get bonus points, so I picked out a new face wash.<br />
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I scrutinized my purchases a few times, and read a couple of reviews of the primers. I needed to make sure the cosmetics company was cruelty-free.<br />
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And then I clicked "x," twice.<br />
<br />
And went to heat up my ramen noodles for lunch.<br />
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I also figured out how to file a dispute with amazon, since something Bean asked me to order for him at the beginning of October never showed up. He gave me cash for it and everything, and every day is disappointed that our mailbox is full of junk newspapers every day, but no movie tie-in toys for him.<br />
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I chose to get a gift card credit on my account, which means that not only did I not buy anything online on "black friday," I actually made a little bit of money.<br />
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But this means that I have to spend it at amazon, whom I have been trying to avoid.<br />
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This evening I will go to the grocery store and use up my points to purchase toys and cans for a drive I am attending tomorrow. I am determined to get through today without spending a cent.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com1tag:blogger.com,1999:blog-12409216.post-41799933907288917362015-11-16T16:14:00.000-05:002015-11-16T16:14:00.108-05:00Yes, I am a PF GeekOne morning last week, I woke up with a little giddy feeling, sort of like it might be my birthday*, or christmas morning, but it wasn't. It was Friday the 13th I think, but that had nothing to do with the feeling.<br />
<br />
I was excited because the night before I received an email from Tangerine** telling me that I'm pre-approved for their new cash-back credit card.<br />
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As soon as I saw the email on my phone, I went over to the laptop and logged in to accept my acceptance. I was pre-approved for $14 000 but I was able to change it to $7500. I chose this amount because when the new card arrives I will cancel two other credit cards worth $10 000 combined.<br />
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We are sometimes told to keep our oldest credit card opened for good credit history, but now that I have a mortgage and car loan in place, I'm not too worried about what my credit rating looks like. I hopefully will not be opening too many more credit products after this.<br />
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I'm excited for this card to show up. Not only will it allow me to close out two other cards taking up space in my wallet and life, but it also gives 2% cash back on three spending categories of my choosing. I chose groceries, fuel, and restaurants.<br />
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I calculated that I will earn $8 to $10 a month with this card. Remember the days of earning $8 a month in interest in our savings accounts? Actually I don't, because I never had any savings, beyond my (now spent) RRSP. So this is exciting for me. Yes, I am a PF Geek.<br />
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*My birthday was actually the week before. Woot!1! <br />
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**As always, this is not a sponsored post. I don't care who you bank with, as long as you are not paying any bank fees. That's just dumb. Send me a message if you want my Orange Key to open your own awesome account with them.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com1tag:blogger.com,1999:blog-12409216.post-59147216225468804632015-07-25T11:45:00.000-05:002015-07-29T13:17:25.394-05:00Pet costsYesterday I posted about my recent experience purchasing - and using - travel insurance. The bank did not give me a policy number at the time of purchase, and the overseeing insurance company did not receive the paperwork in a timely manner because of the holiday on July 1st.<br />
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Something that made me smirk during the whole ordeal, was that I did have a policy number for the cat. Yeah. A couple of days before we left, I called the number on his collar tag to make sure his microchip was programmed with our current address. During the call, the nice representative managed to sell me an annual pet insurance policy for $20. I thought it was a good idea, mostly because I had a student staying at our house while we were away, and I wanted to minimize the effects of any emergency our adventure-loving kitten might encounter out in the wild.<br />
<br />
So when the NY hospital asked me for the policy number for Bean's "broken" arm, I checked my phone and found the pet insurance policy number, which had been given to me right after I told them my credit card number on the phone. Seriously.<br />
<br />
And it's a good thing I bought it too, because when we returned a day early from our trip, the cat was home and he had a big bump on his back. After a few days, it burst and since he had chewed a patch of skin off his back I could see a bloody wound on his skin. Off to the vets for an antibiotic; a $130 visit. The pet insurance has a $50 deductible, but I should be receiving $80 any day now.<br />
<br />
Pet insurance For The Win.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-77737137243665464352015-07-24T10:50:00.000-05:002015-11-16T15:19:53.439-05:00Free Health CareBean and I drove to New York State at the end of June for what is now our annual retreat. I paid $600 for our spots (meals and accommodation) back in May. I anticipated spending about $200 US at the gift shop, though I'm pretty sure I went over that because I brought a credit card with me. I knew from the year before that filling up the car usually meant pre-paying with cash, so two days before our departure I went to a bank branch to buy $100 US cash.<br />
<br />
It was a Saturday and there was a big line but I waited patiently and read all the ads on the screens behind the tellers heads. This bank already holds my mortgage, car loan, and two of four of my student loans, so they didn't advertise anything of interest to me. When I was waiting for the teller to process my request, I noticed a piece of paper taped to the counter that said "travel insurance." I asked the teller if my VISA included travel insurance, and was told no. So, I asked how much insurance would be for Bean and myself to travel for 8 days to the USA, and it was just over $50, so I purchased it.<br />
<br />
I hadn't even thought of travel insurance, and I didn't buy it last year. But it's a good thing I did so this year, because on the Friday of the retreat, our fifth day there, Bean landed the wrong way while jumping off a slide in the playground and went into shock. Next thing I know we're back in the car, headed to the Emergency room at the hospital 20 minutes away.<br />
<br />
The hospital wanted to see my insurance policy right away, but there was no policy number written on the booklet the teller gave me. I called the 1-800 number to report the emergency, and asked for the policy number to give to the hospital. They had no record of us in their system.<br />
<br />
Bean was treated quickly and put in a splint. I couldn't believe they let us leave without making me pay, but that's what happened. I promised to call them as soon as I had a policy number, and I did, but it took several days.<br />
<br />
What happened was the purchase was made on a Saturday, and the bank mailed the paperwork to the insurance company on Monday. Then Canada Day was on the Wednesday. Apparently it takes 3-5 days to generate a policy number, and we got caught in the bank holiday.<br />
<br />
Lessons learned:<br />
#1: purchase travel insurance.<br />
#2: purchase it several days or weeks in advance of the trip, so that I have the policy number with me when we leave the country.<br />
#3: buy it direct from the insurance company online, which may generate a policy number immediately. I bought it at my bank branch, who then passed it along to Manulife. When I made several frantic phone calls to the bank to get the policy, they just passed me along each time to Manulife. Might as well cut out the middle man.<br />
<br />
Bean is fine. He was in the sling for ten days, the first two of which he was completely miserable (also the last two days of the retreat, which sucked). We got an appointment at our local cast clinic as soon as we could, and the doctor there confirmed that it wasn't a broken arm, just a sprain. I guess the US doctor just wanted to take precaution. To the tune of $969.00 USD.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-3769847269979349822015-05-22T15:46:00.000-05:002015-05-22T15:46:00.542-05:00time or money?There are a few job postings where I work, and I'm qualified for all of them. They are all full time - 35 hours a week vs the 28 hours I am paid to work.<br />
<br />
I know from experience that this would be a net pay increase of around $550 per month, but it might jeopardize my interest relief status with the student loan centre, as well as my child care subsidy. And I will definately need the child card subsidy since I would be in the office for 1.5 more hours per day.<br />
<br />
I ultimately make the important decisions at our house, but my kid is smart and I always ask his opinion. He even helped me pick out the house I bought last fall.<br />
<br />
Today we talked about what it might be like if I worked longer hours each day. We talked about what would be better for us: more money or more time together? I reminded him that more money meant more sushi dinners (I really need to learn to make futomaki).<br />
<br />
Bean decided that more time was more important to him. We have a leisurely morning routine and our afternoons are pretty good too. I pick him up when the bell rings and we hang out together in the evening. One afternoon a week he has piano lessons, and another evening a week he hangs out at my sister's while I go to meditation.<br />
<br />
So yeah ... money. More would be nice. But time is more important, especially when the boy is still quite small. By the time I was his age (9) I had a key and I was on my own for hours after school. I don't even think that's legal anymore!Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com2tag:blogger.com,1999:blog-12409216.post-2445284735573592242015-05-14T15:07:00.000-05:002015-05-14T15:07:00.244-05:00questions<a href="http://debtfreekid.blogspot.ca/2011/05/i-am-credit-card-debt-free.html" target="_blank"><b>How did I pay off $20 000 in 2.5 years?</b></a><br />
- Started tracking my spending (I use Excel). <br />
- Took advantage of balance transfers to lower-interest cards and line of credit.<br />
- Moved into a small apartment, shared a bedroom with my son (the first year).<br />
- Stopped buying coffee and a muffin each morning, and a cola each afternoon. <br />
- Stopped shopping online and in stores for clothes and other distractions.<br />
- Used a subsidized food box program once a month.<br />
- Kept my appointments with social services for a child care subsidy. Also kept to their guidelines to keep the subsidy.<br />
- Bought used car. Tried to keep up with repairs, but when it became too costly, parked it and took the bus.<br />
- Let my sweetheart at the time pay for my outings (as a feminist, this was really hard for me, but it was the only way I could do anything that cost anything).<br />
<br />
<u><b>Why didn't I start riding a bike to work?</b></u><br />
- I don't know how to ride a bike.<br />
- But if I did know how, I would have to put my son in one of those trailer thingies to get him to daycare and school (at that time they alternated days). No.<br />
- Canadian winters.<br />
<br />
<a href="http://debtfreekid.blogspot.ca/2014/11/so-i-bought-myself-house.html" target="_blank"><b>Why didn't I buy a house closer to work?</b></a><br />
- Houses closer to my work are $50 000 to $150 000 more. I qualified for a $225 000 mortgage, which would barely cover a house purchase closer to my work, but the payments would have sunk me. The house I bought was actually further away than from where I was renting, but it cost only $150 000.<br />
<br />
<u><b>Why did I cash out my $8300 RSP account to buy a house?</b></u><br />
- My intention for the RSP all along was a house down payment. It was never meant for my retirement. Knowing it was taxable prevented me from withdrawing it, I knew I could withdraw it tax-free under the Home Buyers Plan. If I had sent savings every month to an accessible account, I would have spent the money.<br />
- I would have liked to have saved more than $8300 (which covered 5% down payment and lawyer's fees) but when Partner (ex) decided to move out, I had to make a tough decision. I could have continued to rent our house - if I could find a suitable roommate - or I could have moved us into yet another crappy rental. I chose instead to withdraw and invest.<br />
- Yes, invest, because my intention is to pay off the house well before retiring so that my pension pay-outs do not have to cover mortgage payments.<br />
<br />
<a href="http://debtfreekid.blogspot.ca/2014/03/why-i-am-buying-brand-new-car.html" target="_blank"><b>Why did I buy a brand-new car?</b></a><br />
- I had a list of what I wanted, and in the six or so weeks that I took to look for a car, I didn't find a car that fit into my list.<br />
- I was so, so, so, so, so sick of car repairs.<br />
- The interest was low (1.9%) for new, compared to used (4.9%) which made the monthly payments the same. Mind you, I had to add two extra years of payments to cover the whole cost of the new car, and trust me, I'm wasn't happy about it.<br />
- Had I known I would be buying a house later in the same year, I would not have bought a new car. My partner (ex) did not discourage me, and he moved out six months after buying my used car from me. <br />
<b><br /></b>
<u><b>Why aren't I power-paying off my debts?</b></u><br />
- I'm a single mom, making just under $40 000 a year. It doesn't go as far as it could, if I were extremely frugal. But I'm not extremely frugal, just moderately frugal.<br />
- Student loans are on Interest Relief (meaning the program/ government pays the interest); car loan is at 1.9% which works about to be less than a cup of coffee per day; mortgage is around 3% which is ok.<br />
- If my interest rates were higher I'd be more anxious to pay off the debts. As it is, the budget is pretty tight.<br />
<br />
<u><b>Why do I work?</b></u><br />
- I like my job. I like the people I work with. I like the workload.<br />
- I work 9 - 3 (28-30 hours a week) Monday to Friday.<br />
- I'm pretty much unsupervised, which means I can take time off when I need to and I rarely have anyone breathing down my back about anything.<br />
- It's low-maintenance, meaning I don't have to dress up or look corporate. I could probably go without showering and still keep my job, but I wouldn't do that.<br />
- I have two offices, one for each of my part-time positions. No cubicles here.<br />
- Medical and dental 100% reimbursed, plus pension contribution from the employer. Makes it hard to want to leave!<br />
- I didn't train for anything specific; my degree was in Liberal Arts. The positions I hold I think are perfect for me.<br />
<br />
<u><b>Why don't I have a side gig?</b></u><br />
- Laziness<br />
- Fear<br />
- I made baby steps to start my own business in 2013; at exactly the same time a part-time job was posted at my place of work; I was encouraged to apply and interview for it, which I did, and I accepted the job offer, thinking that steady income would be better than the precarious income of a new small business. <br />
<br />Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-42651534335379610752015-05-13T12:12:00.001-05:002015-11-16T15:21:26.045-05:00Spendy AprilI had to re-do my budget after my relationship ended and I bought a house last October. Since then I was trying to live on just my employment income and child support. I had the child tax credit and other government incentives deposited into a separate account that I haven't used in years, one that charges me $1.25 per transaction, which for me is a good spending deterrent.<br />
<br />
My intention is to save the money until November 2015 and then decide whether to put it towards a student loan, the car loan, or spend a bit on the house. I would really like to buy a dishwasher, paint the bedrooms, and start renovating the bathroom. I have to be careful with house spending though, because in five to seven years I will have to replace the roof and maybe one or more of the appliances.<br />
<br />
Our collective agreement expires June 30, and hopefully by this November we will have a new contract negotiated. If we decide to strike, then the savings account will be my personal strike fund, as the union's pays out something like $25 per day, each day I am out on the strike line.<br />
<br />
This savings account was growing nicely, until we hit April, which was a way spendier month than I would have liked. It was my son's birthday, and my mom's 60th birthday, and credit card bills came in from March, which was also a bit spendy after declaring February a no-spend month. I used the separate savings account two or three times to pay a credit card bill that was more than I could manage with my regular chequing account.<br />
<br />
This will occur again in May or June, as I have booked a week's holiday for Bean and I for the first week of July. I could use part of my emergency fund, but a road trip for fun is clearly not an emergency. I also have to pay for accommodations for a meditation retreat I attended last weekend.<br />
<br />
A goal I have been formulating and slowly working toward is to have exactly three months' pay in three separate accounts, and any funds saved on top of that will go towards one of the student loans or the car loan. However this might not work because I need to start saving for the roof replacement, which is difficult when the spendy months come up again and again.<br />
<br />
I haven't been in a rush to pay off loans because I am still on Interest Relief with student loans, and my car loan is at 1.9%, which works out to about $1 a day in interest, which to me is an acceptable expense for the convenience the car provides for Bean and I.<br />
<br />
So ... credit card debt is still under control. Other debts are being paid off slowly. Savings are accumulating slowly. The budget is constantly under scrutiny.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-65836920485217146262015-04-01T16:16:00.000-05:002015-05-13T12:41:01.392-05:00Under $150I've only partially completed updating my progress bars on the left, but I'm ecstatic to point out that my mortgage is already under $150 000!!! Woooooot!!!11!!<br />
<br />
And my car loan is under $17 000!!! Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com2tag:blogger.com,1999:blog-12409216.post-31388938332318418902015-03-02T15:58:00.000-05:002015-03-02T15:58:00.141-05:00Thank Goddess for SavingsI might have mentioned 100 or so times on here that I get paid only once a month. I've been working at the same institution since 2002, so I'm over it. We get paid on the 28th, but if the 28th falls on a Saturday or Sunday, then we get paid on the Friday before.<br />
<br />
The days leading up to payday are full of anticipation for me, because I look forward to seeing the amount go into my chequing account, and I love removing bits and bobs of it into my various savings accounts. Then I calculate what bills are going to be removed electronically and leave that amount in chequing, while the amount of bills that I pay manually later in the month goes into a savings account. I usually have less than $200 on the credit card that I pay before the due date.<br />
<br />
This past weekend I knew I would leave extra in the chequing, because the kid would be home and we had lots of plans. Friday morning, I didn't receive an email about the deposit, and I logged into my account about a half dozen times, to find the amount to be only $40, $30 of which was alotted for a cheque I wrote to the childcare services last week.<br />
<br />
Finally at about 1 pm, I mentioned it to a co-worker friend, and she said there had been an e-memo on the portal about a mix-up in the payroll office. I logged in to check it, but it had been updated to say the issue was resolved. I checked my bank account again and again, but the issue hadn't been resolved for me.<br />
<br />
I felt badly about the event, and how it might negatively affect all our big plans for the weekend. I worried about the payments that were scheduled to be withdrawn on the 1st of the month. I raged against the machine for a little bit, but when I logged into my chequing account again, I took a look at my savings accounts. And I told myself everything would be ok.<br />
<br />
I have a whole month's pay saved up in one account that is earmarked for Bean's orthodontics later on. I have another whole month's pay in a mutual funds account that would take a few days to cash out. I have another two weeks or so saved up in a TFSA. I also have an emergency fund of almost a whole month's pay at a brick and mortar bank, where I also owe my student loans, car loans, and mortgage (they own me, I might as well sign Bean over to them!).<br />
<br />
I am 40 years old, and this is the first time in my life that I am ahead of the pay game. I could go almost three months without a monthly paycheque - not that I would want to! However, this is a potential strike year (again! where does time go) and if we actually walk the line this time I will have about six months pay saved up by then.<br />
<br />
And if we don't walk the line, some of that savings is going towards a trip to Disney World in 2016. I'm just saying.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-9109832936867495542015-02-05T12:08:00.000-05:002015-02-05T12:08:57.155-05:00February - no spend monthI get paid on the 28th of each month, and sometimes, like this past January, it feels like weeks between payday and the beginning of the next month. I have about three months worth of pay saved up so I'm never quite short on funds, but I do try to make each current pay last till the end of the month (the 30th or 31st, rather than the 28th),<br />
<br />
Since February has only 28 days (normally) it is a nice feeling to head right into March with a full paycheque. This month, to make it even sweeter, I have declared it "no spend month." This means that all non-essential spending (groceries and gas excluded of course) is to be delayed for four short weeks. And I am not allowing myself to cheat by using a credit card and paying it off next month. Half of my January pay went towards a hefty credit card bill from December spending, even though I had a christmas savings account set up. Still, it is nice to check my credit card statements and see that zero balance.<br />
<br />
Since I am single again, I will have a nice chunk of change in my accounts, since I won't have to buy anyone anything for valentine's day, or a birthday that would have come up this month. I have my eye on a new piece of electronics for myself (my weakness!)
but so far I have been putting that off for months already. I'm looking at a Pandora bracelet for my mom's birthday in April, and I also have Bean's birthday party in the spring for which to save up.<br />
<br />
I also need to buy a push-mower in the spring, and I would like to put in a dishwasher. I should get a plumber in to check the overflow drain that is leaking from the bathroom tub into the basement. It looks like an easy DIY fix but I wouldn't want to do it wrong. Finally, the cat is scratching up all my hardwood trim, so I'm thinking of taking him in to be de-clawed. I think it is cruel but if he stays indoors it might be ok. Still thinking about it ...<br />
<br />
And I should really do something about the car-port, which looks like a meteor hit it.<br />
<br />
I started on my taxes, and it looks like I might get a nice refund this year. Should I save it all, or buy myself a little treat? I do love shiny new electronics!Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-1085551517772225782015-01-16T12:21:00.000-05:002015-01-16T12:21:41.845-05:00What would I do if I didn't have to work?What would I do if I didn't have to work?<br />
<br />
Near the end of my previous relationship, I was trying to make a case for early retirement (aka "financial independence.") Partner (ex) couldn't imagine not working his 45-hour-a-week job for the next 35 years and also could not imagine what he would do with all that time off.<br />
<br />
The only thing I could think of at the time was "travel!" but we knew if that were to become a reality we would have to have much much better finances.<br />
<br />
So, now I'm on my own, and I'm still planning my early retirement. Even though my collective agreement tells me that I can't access my pension until the first day of the first month following my 60th birthday, I hope to be finished working by 55, which is now 15 years from now. Ten years more of work would be even better.<br />
<br />
What would I do if I didn't have to work?<br />
- set my alarm for 7:30 am and get up around 8:00<br />
- see my son off to school<br />
- practice yoga for two hours<br />
- meditate for one hour<br />
- lunch (alone or with a friend)<br />
- work on volunteer activities (I currently do not volunteer, but I would like to for OPIRG, or a local world issues centre, New Canadian Centre, Habitat for Humanity, sexual assault centre, or even spend an hour or two at my son's school). Or take a nap.<br />
- plan a nice meal for dinner and cook it<br />
<br />
That looks like such a nice day that I think I am going to start practicing it on Saturdays.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com0tag:blogger.com,1999:blog-12409216.post-77172738443427109992014-12-28T14:44:00.000-05:002014-12-28T14:44:20.448-05:00Alone and HappyI'm supposed to be on my way to the big city right now with Bean to meet up with my mom's family for xmas dinner, but I got a call today saying that my Gramma is sick, and we are postponing to maybe next weekend. She is the reason why we get together so we meet at a restaurant near her condo. Since everyone has to drive in, and one of my cousins is also sick, and another cousin spent christmas with her baby son at Sick Kids Hospital, we will wait to get together.<br />
<br />
I spent the morning organizing all my photo files from 2014, which I will transfer over to two separate external hard drives. I also cleaned up my desktop on my laptop. I'm trying to catch up on Feedly, but am almost three weeks behind again on blogs. Maybe I need to go through and delete a bunch, but I don't really want to.<br />
<br />
I get a lot of ideas reading other people's blogs, but I rarely come here to flesh them out. I have been meaning to write about my solo home-buying adventure for weeks, but I'm not sure what to say. I did a disappearing act when the previous relationship ended as well. I guess I just hate admitting that I tried again, and failed again.<br />
<br />
Both breakups - the 2011 one and the 2014 - were finally determined by lifestyle decisions. In 2011 I was pressuring my sweetheart to settle in the same city as me - any city - and I was hoping he would propose to me but he didn't. It was a painful breakup but I met Partner (ex) immediately and was so distracted by him that I never properly processed the hurt from leaving my sweetheart. Partner (ex) immediately hurt me but I stayed with him anyways. I think I thought I deserved it because of the way I left my sweetheart.<br />
<br />
Partner (ex) had a lot of strikes against us from the beginning. The big thing - and it shouldn't have been, but it was - was the age difference. He was ten years younger than me. I spent a lot of time teaching him, mentoring him, influencing him, to get back on financial track, and I resented him a lot for it. After we moved in together I brought in a financial advisor, and two years later we had not implemented any of his suggestions. I felt like I was constantly nagging. It was awful.<br />
<br />
One of the final straws was when I decided I wanted to retire at 55, and I needed to start preparing immediately. I was turning 40 and running out of time. Partner (ex), only 29 years old, could not imagine himself retired at 45. He planned to work till 65, take his CPP, etc. I would be 75, waiting for him.<br />
<br />
The theme of all my relationships: waiting. I waited for Bean's father for years, I waited for sweetheart, then I found myself waiting for Partner (ex) to grow up, and I grew impatient. I told him to move out, I cashed out my RRSP, and I bought my little house.<br />
<br />
Neither sweetheart nor Partner (ex) will talk to me now, and while it bothers me a little, I know it is for the best. When I was 17 years old, I told myself and the world that I was a feminist and I would find my own way in life, and never depend on anyone, and this became a self-fulfilling prophecy. And I'm damn proud of myself for sticking to my principles, even if it does make my journey somewhat difficult and lonely sometimes.Kristinehttp://www.blogger.com/profile/11835267210183096718noreply@blogger.com5