Tag Archive | spending

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.

 

 

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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.

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.

‘MERICA

Take no offence but I’m referring to the USA.

Bien here is the facts:

1) I am Canadian, Quebecer to be exact.

2) I get my groceries and gas from ‘Merica

3) The border people be like … interrogating.

4) Walmart.

So today I went to the USA and got groceries and gas like I usually do.

When doing so I crossed the boarder twice.

AND EVERY TIME; miss “… where do you live” “Do you know anyone there” “Are you sure thats all you bought ?” “where do you work”

I understand the main questions of who are you and what do you do and where did you go. Kay. good.

But then they have to double check or triple check.

“Do you know anybody in the states?” nope “are you sure?” yes I sure ” So you don’t know anyone” I just said no.

*well I mean i know Obama, Britney spears….

But I guess as a privilege of going to the states you have to endure all the questionings.

Have you ever had problems crossing the boarder ?

Peace.

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.

xmas

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.