Goals ? Budgets ?

What are those?

hah since this school semester I kinda went off the grid in terms of money.

I bought a dog which then got sick

Bought a beater car

Bought a summer car

Bought a sounds system

Waiiin.

So much money spent and right now I’m sitting at 1k in my TFSA – so poor.

And this month I have quite a bit to pay for. Such as a speeding ticket, a tempo, ah Christmas, riding lessons.  I know that these things are 1) unnecessary 2) my fault 3)wants not needs

But it still sucks.

January I’m not going to spend any money I don’t have too (AKA resto’s, movies, extra gas for random driving, shopping..)

And I’m going to pay off as much as I can and hopefully by my Birthday have another 1k in my tfsa.

No matter how often you fall off of the bandwagon always try to get back on set smaller goals and achieve them one step at a time 🙂

peace.

Meet Duke

As you may have read in a previous post I have a new puppy named Duke, he’s a Sibarian Husky.

Heres a picture for added cuteness 🙂

He is seriously the love of my life, who needs a man ? Get a dog 🙂

Maybe these are signs of forever alone ? haha jokes. But seriously with a puppy it’s like your free time is consumed with joy, happiness, playfulness, excitement, all those positive emotions that we need to and should surround ourselves with. Remember people the most important thing in life is to be happy, and that’s through doing what you love and positive happy thoughts. 🙂 and for me that’s a cute  puppy and blogging and driving and riding and jogging and … you get my point 😉

October update

So I paid off all of my small debts

and 3000$ on my credit card (still 3444.73 left to go which I’ll do tomorrow)

And had enough to pay for my puppy Duke (600$) who got very near death sick (DONT TRUST BACK YARD BREEDERS!!!!)

After this I may be living pay check to pay check for a little why but I’ll be able to save up quickly knowing myself.

I want to be debt free by the end of October!

I did not make any side cash this week I’ve been pretty busy with an intense Dead End run and my poor little puppy.

October Woot

This is seriously one of my favorite seasons!

Love the atomosphere.

So I’d like to quickly blog about a few savings/bets goals i have for this month.

#1) being savings 500$ I want my TFSA at 7000$

#2) being pay off smaller debts (around 500$)

Yep yep and the rest of Carlas challenges I will be doing too 🙂

Have a great day y’all

peace

Debt

I need to figure out a better budget.

I keep using my credit card.

I keep buying unnecessary things.

I keep just going out when I actually don’t want to ( I rather just stay home and watch Netflix and drink tea or walk my dog)

But not all of my purchases are useless or unnecessary, for example I spent 600 on dental – that was important and is just part of general hygiene.  (this benefits my physical state)

I spent 400$ on a puppy and another 200 for supplies.  (this benefits my psychological state)

School related expenses such as gas to drive to school, intuition even lunches and food that I bring to school. (this benefits my mental state)

But all other things included such as food, more food, and how about some ice cream (because my ass need that) and stocking up on food (necessary to a point)

So here’s the common denominator is that I spend way too much money on food that I don’t need or really want – that being sure I want ice  cream and pizza but after eating it I go through this Psychological down fall of I shouldn’t have eaten that, or that’s not vegan or that was expensive or that just quite literally made me feel like shit (pizza on saturday game me food poisoning)

 

Now I just don’t know how to budget – should i still put some money in saving or should i just put it all onto credit ?

It’s rather frustrating.

Any advice ?

peace.

 

 

Tuesday To-Do

Hi ya all 🙂

Go to Super C and buy 40$ of strawberries (that is 32 cartons)  DONE

Cash cheque and Budget   DONE

Workout

Crochet

Take a nap

Clean and trim strawberries and freeze them

Blog   DONE!

Read a couple pages in my book

Plant my soy bean

So here is todays to do list 🙂

What do you have to get done today ?!?!?!

PEACE!!!

 

 

March Challenge / Goals

Finance

Save 500$ and put into TFSA

Follow Budget to the last $$$

Pay off 300$ to debt

Personal

Practice healthy low fat high carb vegetarianism or even vegan-ism

Limit coffee to one a day

Run for a grand total of 25 hours.

Crochet 3 things (or more!)

Decluttering

I want to put all of my lose papers / plan / budget / goals/ blog ideas in one binder and not have lose papers laying around and I want to organize it into categories.

Clean and organize my car.

 

And that’s about it my friends 🙂

Visit Carla’s blog ! 🙂

http://halfdozendaily.typepad.com/my-half-dozen-daily/2014/02/march-challenge-take-3-my-goals.html

Peace 🙂

Over the top.

So this blog is in regards to how I over spent.

I spent so much form other envelopes and areas that I don’t even know how much I spent.

So this is a short sweet blog about how I completely fucked up my budget this week and how I now have to find money to put gas in my car. AWESOME.

fuck.

Peace.

The To-Do List.

Yea We all have one,

Where or not we get things done on it depends on how much we procrastinate and In my opinion how motivate we are in getting the list done.

Well here is my list (keeping in mind that I just got done work and am going back to work at 5:30)

Clean up– dishes

bath (read a couple pages of my book in bath)

Bank- Budget

Walmart (buy wool and see spark plugs price)

Blog

crochet

workout

Contact Sarah ma friend and Dayle at Champlain to see about my course and last semester

Look and get gifts for Jessie and Trevor.

 

Two things on my list are already done (i have cleaned up a bit still have dishes to do though, and I am presently writing my blog.)

So I have 5 hours to finish he rest of my list woo.

What is on your list for the day ?

peace.

February Budget

So just as  I had thought in January I would need to tweak things. Knew it!

I completely and absolutely forgot about my dog when I made my budget.

Don’t know how.

Don’t know why.

I just did and then all of a sudden I had to buy dog food *Head desk, I knew I forgot something* 

So I had to clearly tweak things. And to be completely honest Last week I went and took out of other envelopes and bought things that were not necessary (Alpaca wool for crocheting that was about 60$). But for February I will not be doing this!

I promise you, that i will not  break my budget. ..I think. 

So here it is:

Car: 60.00$

Debt: 60.00$

Savings: 60.00$

Dutchess: 26.25$

Random: 13.75$ Hmm seems low.

Gas: 50.00$

Food: 30.00$

This month is going to be pricey car wise (I have 2x insurance payments, my driver license payments, plates payment and I need an oil change and spark plugs)

*In either March or mid February my car ” envelope” will be around 13$ a week. (maybe bump it up to 15$ encase of an emergency. and then the rest will go to debt and savings and random.

Other than that – debt repayment (300 is my goal), Koodo phone bill payment (around 60$), Dutchess  (150- march first is 100 for puppy-sitting, and then 50 for dog food)

I have a bunch of blogs I want to write today.

-Monday motivation

-goals for February

-I have to update you guys with my January fitness.

So anyways have a great Monday 🙂

Peace.