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.

 

 

 

 

School

Great news,

So things have worked out, I guess I’m not sure why they just are falling into place.

I got a call from our coordinator and the campus near me is staying open so I am able to be full time student (course load of 4 classes) and still work. Since the campus is local I can arrange for my hours of milking to be in the early AM the way it is and supper time PM  and with a  course load of only 4 classes it will be very manageable.

The only con; essays haha.

Have I ever told you guys that I love school, I legit love to learn.

Since I dropped out all I do is watch various documentaries and Ted talks and research anything that comes to mind. Yes I dropped out, I’m not sure if I went over this previously in my blog but I drop my semester in fall, I could no longer afford to go, I had no car, I hand no motivation, I had no money, I was heartbroken, I was overwhelmed, in a terrible living condition all of these things led to me dropping out. A mere bump in the road, a overload and break down.

Right now I’m in a recovery mode, I’m fixing things, changing my lifestyle, trying to manage life, pay up my debt, save money for my future.

So to conclude, things do workout in the end. You just gotta grasp life by the balls and shake it around and go for an opportunity that comes at you.  🙂

I’m 7 courses away from my diploma, after next semester I’ll be 3.

How is everything working out at your end ?

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.

Debt

Repayment.

So yes, I have debt. And unlike some lucky people I lack immediate family help and not to blame immediate family for my debt – But to say I would have less debt if I wasn’t kicked out at 17. forced to fend on my own and of course with no job and no money the only thing you can do is get a credit card and look for a job.

Here are my Debts Presently

Credit Card 1: 3825.11 (paid in January 220$ towards this card) Also I just got a new interest rate of 11% because I made this massive sob story (I was paying like fucking 34% (they increase it if you miss payments) So anyways with the lower interest it will be easier to pay off in the long run.

Credit Card 2: 393.96 (paid 90$ towards this guy in January)

School loan: I think* 6220. 00 maybe less. Nothing has been paid to this yet.

and for the plus side

Savings: 480.09

Towards debt repayment : 310.00 

Yippy, I’m getting somewhere with my debt. My goal for February with all my car related payments is to again pay about 300$ towards my credit cards.

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.

Working on Homeostasis.

Aka,

The balance within that’s going to be affecting the outside too.

So this new year I have been restoring balance on the outside of my life- debt repayment, saving, getting more work, working out everyday, doing more things I like, Getting plenty of sleep. But some of these “outside things”  affect my inner body – like being healthy, eating healthy, sleeping 8 hours a day, working out, skating.

I can’t say “I’m healthy” I mean some of you will argue with me, for the most part I am improving my heath (but I just ate a bowl of fro-yo sooo I can’t say just yet that I am healthy) Though I have been daily incorporating healthy juices into my diet – in my opinionmy efforts are  still minimal. I know that If I wanted too I could be eating healthy a good 90% of the time. But …

One thing I keep saying is a priority of mine is to be healthier – I mean though this is a lifestyle I already have; I am influenced by those around me – friends and my boyfriend especially. And I lack self-control. I JUST CANNOT NOT EAT CHOCOLATE IF IT IS OFFERED TO ME. And sadly I won’t say no. But see if that was just the case – it alongside others foods offered to me once in a blue moon I’d be all good. It’d be once in a while and controlled. But I live with my Boyfriend – and even though his parents don’t buy all of our food and I’d say 1/4th is healthy  (we buy our fruits and veggies for juicing) I just can’t say no to that fro-yo or that over processed bread or pasta or nuts. I mean I walk into the kitchen often – It’s where the exit of the house is.  And it is so easy just to grab and go.

Sure your thinking “portion control” nope I lack that too.

And I guess this post is about the struggle – maybe I’m weak, or discipline less. I just don’t know how.

Alongside this my boyfriend works at a resto so it is so easy to ask him to order something for me – and the second I ask I regret it, but then it is too late I can’t just waste the food. So I eat it.

I’m not blaming them- I’m completely blaming myself, I just wish there was a way to not want it. To look at it and go ‘meh’.

Does anyone have any ideas and such ?

Methods ?

Are you like this too ?

Peace, stay healthy.

 

 

That thing we call the holidays.

How were your holidays ?

Mine were good except I’m not a very holiday-y person, I like to spend time with people and stuff my face but when it comes it gift giving or receiving I rather just not take part in it. I feel like that is all Christmas is about.

Maybe it is because I’m rebellious, maybe it is because of something else.

Growing up I would remember my parents getting gifts for me and my brother and leaving bills unpaid until they had more money. This probably has to do with my sour image of Christmas, I mean why must we spend tones of money to make kids happy or our friends and family feel loved by us ? I feel like children grow up with more expectations and a massive materialistic ideologies. It’s disgusting, some kids are a third my age and have phones and new high tech gadgets and probably don’t even know what monopoly or play-dough is !

Now on a more personal level, I really just don’t want to get 30 different people gifts, honestly “ain’t nobody got time for that” and I ain’t got the money for that either. But I do like the idea of pulling a name out of a hat and buying that one person a gift, it’s more “user friendly” in my opinion. I’m not selfish, I’m not greedy, I don’t only want gifts, I couldn’t be bothered if no one even gave me anything as long as I got to eat some turkey 🙂 But I know just saying all of this I’ll probably be regarded as a scrooge or something like so.

And our children (I do not have any), the younger generations they  are just so goddamn materialistic. For example my own younger brother the first thing I heard out of his mouth when I seen him over the holiday was “What did you get me ?!??!?!?!?!?” My reaction was disgust and then to slap him upside the head, of course I didn’t do that but still. Is this really what it is about? Seeing each other and having a big dinner talking about the ol’ times  to me is better than the contrary.

What are your opinions of the holidays ?

What did you get if you get anything?

How do you gift give, pull a name out of a hat or give something to everyone ?

Peace, xo.

September challenge update.

Hey peoples,
I’m as per usual late in updating this but I was late starting the challenge. But heres the update 🙂

 

-Get at least 20hrs a week.

I have been woo – and this week I actually got 30hrs.  But next week I plan on spending some of my money

 

-Save 3000$

Ah no. I actually had to with draw 200 from my TFSA

 

-Pay off car balance and targo

Car balance is a gone! Targo is a not.

 

-Pay 200 to school loan at least.

Ah no. Not yet, maybe next week.

 

So far everything going good I guess, I’m getting work paying thing off. But haven’t been saving and have been using my credit card. Also made a massive purchase I got new glasses (You can see a photo on Facebook) RayBans. They cost about 500$ with the eye exam. Eek.

Also I need a new job like now. I’m so done with factory work.  SO DONE.

A New Tradition.

So Me and my boyfriend have been doing things that allow us to get more than one thing done at a time. So Now it seems as though once a month we go see 2 or 3 movies at the same time. (The worst thing about thi is that you can’t feel your bum.) But usually we go on a day like Cheap Tuesday  and see at least 2 movies and save … a lot.

Where we are saving:

• Free Refils.

• Cheap Tuesday gives you movies for I do beleive so 30% off or 40% (I’m not sure exactly but it does make a difference.

• Commuting, we go to the Colisee Kirkland which is an hour away, so we only have to drive to the city once a month twice at most.

Basically we get everything done in one  day and it makes for a great date night 🙂

 I’m really loving this trend that we have going on, since we are both in college and work on our free time off we don’t get to go on lavish dates to Baton Rouge anymore. (Yes this makes me sad we used to go all the time.) But sadly things change we’re both college students and you know all that fun stuff. The only down fall to this is pre planning and sore buts. HaHa.