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.

Fiat, oh such a small little tiddle wave of disappointment.

#NoLove

So since the fiat 500 came to Canada I think 2012 ? I’ve had a major crush on the car – I legitimately was convinced it was my dream car – and then the legendary Abarth came (haha)  and I was set in stone in love. Did you know you can fall out of love easy ? (like in about 3.5 seconds love turns into “WhatTheFuckk”) Mind you I only tried a 2012 fiat 500 sport I was majorly disappointed with it. It just didn’t do it for me, it didn’t I don’t know have the kick I had wanted or like give me the omg feeling, or the chills, or the over enjoyment/turn on/excitement I was looking for. That I know cars can give me. YEP I went there – so essentially this was just the sport model but I dont have the interest in trying the Abarth anymore because it’s like 30k and I can get a car at 6-10k that I can like a hell of a lot more.

Another thing is that besides the engine (abarth model compared to sport) nothing much changes it’s still small like the other fiat and uncomfortable inside. It is just overall “meh”. I don’t know how else to explain it to you guys it just didn’t feel like the one – I mean I like my crappy ass neon better than this new car! GASP I know it’s terrible isn’t it ?

Also after this wake up call of “I don’t actually love what I had convinced myself I was in love with all this time” It was a complete mindfuck I was mad at myself for not liking something that I had for so damn long.  I was really emotional (not crying and shit but mentally crying haha) it was just a disappointment.

on the upside :

See there is this Turbocharged SS Cobalt ❤ and I know I like it and I know I love it and I know it does so many things for me. Like I get overly happy about it, I dream about it, I think about it all the time (like imagining myself driving it :)) It’s like I have a crush on a car, I’m just hesitant to take the “step” plus it would be an only summer car.

Theres two I’m looking at one for 12k and one for 6k and there’s a huge difference between both.  And I don’t know how long I would do payments for and so on I really want to 1) test drive it then 2) figure my shit out and buy it 3) and make a choice summer or all season (which depends on which car actually 12k summer 6 k all season.

So I think I’m going to buy it – I’m not sure when but  at some point at time. I’m going to go test drive it soon.

I’m gonna continue saving my money.

I’m gonna stop buying restaurant (besides coffee) in attempts to bump up my savings 2k. I might go to a movie and a concert here and there but nothing to expensive. I really want to have my saving back up to 7k soon. And I want a nice car and to have cash to travel. Man I feel poor, I went down in money so quick(with duke getting sick and all and paying of 3k of debt) ! But I’m gonna back up there just as quick. 🙂 Watch me!

anyways peace

frustrated

irritated, annoyed, sad.
UGH.
Nothing ever works out for me.
This isn’t a pity party for me, like I’m totally okay with it – it’s just more or less an acceptance of what is that seems to be unchangeable.
So i got a newer neon (car- newer in terms of usage same year as other car) and now that makes two. A grey one and my nicer newer one that is black  (and has all the things I’ve always wanted such as sound system, racing peddles and well the  biggest factor is that’s it has a WING) lol for some reason I’ve always wanted a wing, I don’t know maybe it makes me go faster 🙂 clearly a joke. haha

But anywho my other neon was basically done, so i got this one and if anything broke I could essentially take it off the other car. But of course things are never that simple: when I went to get my winter tires put on and my oil change several issues with my new to me car popped up. This was Wednesday.

Previous before that Wednesday I got my sound system in and it lasted 20 minutes before my subs (both brand new) blew. I think what makes me the most mad is that it was just a fucking tease!!!! like seriously! 20 minutes, bitch please. UGH and the guy is being a douche and doesn’t want to exchange them.

And then my bosses dad hit my car this morning (friday)- which it’s not the hit that has me mad/sad it is the fact that I’m so frustrated – nothing ever works out.  Like I wish for once in my life I can have  something of quality  that lasts, and to fix the several problems plus the damages on my front bumper( and I can’t open my passenger door) and additional rust damages (that came with the car when purchased it) it just comes out to this ridiculous price that I seriously don’t even want to think about. Work wise 1k and body wise another 1k or more.

It’s like I keep getting cars and shit just keeps happening to them and the last two “problems” aren’t even my fault yet it still makes me look bad.

I have 3 solutions (none of which I am considering at the moment  because I have gone into this over whelming ignoring my problems and dealing with other life problems first set of mind and thus being school and work and fitness and bills.) ANYWAYS back to solutions.

#1) which is actually three options within this solution that I will have to choose from if I choose solution #1 and those being buying a new car. Within this solution I can choose to buy a cheaper second-hand new car around 10k, or go for my dream car at 23k (couple km’s on it, 2012/2013 model) or just go all out and buy a kia soul ev (electric so no gas, and I get a wack load of money back from the government 8k up to 10k if I make a charging station at my house). So yea this isn’t even a simple choice on its own it would involve thinking, budgeting, test drives, multiple car choices, I mean a car for 10K there’s so many too choose from. Then IF I were to choose from the two new ones I have to choose between what I REALLLLLLLLY WANNNNT verse What I kinda want to represent/ be a good person but still like it, it’s just there’s no good sound system or turbo 😦

#2) Get another beater( most likely another neon yet this one will have body work and a reconstructed engine) But I’m really meh about this because this person could have sold me this exact car months ago which would have helped me / saved me so much money and it is presumably money that I can use for a down payment on a new car.

#3) Take the time and take parts from my grey neon and put them on my black neon, then get the frame rebuilt then get complete body work done and a paint job done. This also in theory would be a couple thousand dollars that I could use for a down payment on a newer car. And also there’s no guarantee of what I take of the grey car will be in good shape and be able to go on the black car.

additional option of which I’m using right now, drive it until it really breaks down then drive the grey one until that breaks and then use all my saved money and buy a new car in a year or however long the two neons last in combined time. Because they both still drive and work for the most part. the things wrong with the black neon aren’t deadly (except the frame will be a problem after some winter time) and the grey neon is just slowly dying a horrible presetone leaking into the engine and alternator going kinda death.

 

I’m just so sad/mad/annoyed/irritated/unmotivated/unsure/angry/disappointed that this is what it is and I can’t make my mind up.

*face/palm*

peace.

 

 

10k

I have a few goals…

Ah This “10k” Can be applied to a few things in my life,

and that is,

I want to run 10km sometime soon(no expiry date it is to be achieved over time )

and secondly save 10 000$ (no expiry)

And thirdly pay 11 000$ of debt I have off (6k student loan and 5k credit card as soon as possible)

And alongside those goals I would also like to have / buy : Fiat abarth 2014, my little house, a horse, a second husky, an enclosure for both dogs and another for horse, a extension on my house, and backpacking for 1 week and a trip to the amazon to work with endangered species. Which do I want first ? I have no clue (all at once ?!?!?!  high hopes lol)

But right now, I would like to pay off my credit card and reach my savings goal alongside either planning a trip or taking one (also getting a husky puppy in 2 weeks)

Does anyone have any advice as to what to do in terms of all my goals ?

any thoughts ?

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.

 

 

7k and counting!

I finally got my braces off and so far the work I’ve paid for and have put into my teeth total for about 7k, But friends it just doesn’t stop there.

Sadly, it doesn’t. 😦

I still have to fork out 9k this coming year, for a bone transplant surgery, then an implant surgery and finally the crowns to atop those implants. (along regular cleanings and possibly getting my teeth whitened).

I have planned to get 2 dental implants now – with the possibility of getting 4 additional ones in the future. I’m missing my canine, and my lateral incisor which is what I’m fixing this year. presently it is built into my retainer so no one can tell. and as for the 4 other implants im considering getting one day- those are Bottom jaw: both sides ” first molar” and right side ” second molar” and for my Top Jaw: I need on my right side my “first molar” replaced its presently there but is in bad bad shape. Of course these 4 other implants are not necessary – I’ve been doing fine since grade 7 not having them haha. but it’s a preference of mine to have maybe. And the two that I’m getting now are a priority.

But so far my smile looks good. And some of you might think it is insane that I would pay so much for all this but for me it’s confidence, and better hygiene (in regards to eating). I remember in grade 3 when my “big teeth” came down and I knew it was in the wrong spot that I wanted braces right away but my parents could never afford to get me them or let alone a cleaning or even a cavity filling (that’s why I’m missing so many molars on my bottom jaw they rotted to the point I had to pull them out when I got my first job and some money. I’m talking pain– for years, all my high school years I would be in pain day in and day out)

Here is some proof of my new smile 🙂 (Yes this is from SnapChat)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Peace 🙂

Summer time :)

This summer I plan on having the best summer ever.

I plan on going to all the races/ runs my little heart desires.

I plan on going to as many concerts as I see fit.

I plan on going places I’ve never been.

I plan on saving a grand or two.

I plan on being the best version of myself (Following and developing a better fitness plan, Becoming a Raw Vegan with no slip ups)

 

And I plan on going to Rodeos and camping out as many weekends as I can have off.

My summer To-Do list:

Afi, Linkin park, 30 seconds to mars.

Lady Gaga.

The color run

Run or Dye

The Electric Run

Mud Hero

Xman race

The night Run

Become Raw vegan

Save 2k

Sherbrooke

Rodeos (Earn 1 point)

 

Whats your plans for the summer ?

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 Budget 2014

Fixed payments + Goal payments in terms of savings and debt for the month of March.

I get 5 pay checks this month (every Monday 3,10,17,24, and 31)

By month  

Car 50$

Dutchess 100$

Loan 70$

Savings 500$

Phone 80$

Debt 300$

Total 1100$      

 

By week.  

Car 10$

Dutchess 20$

Loan 14$

Savings 100$

Phone  16$

Debt 60$

Total 220$  

The rest of my pay check will go to food, gas, and fun. (or even savings)

My goals for savings is high this month. I am joining in Carla’s http://halfdozendaily.typepad.com/my-half-dozen-daily/2014/02/march-challenge-take-3-my-goals.html

So I will be posting about a few other goals I have for this month in terms of personal and decluttering ALONGSIDE other Finance goals 🙂

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.