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Saturday, September 10, 2011

Where the money stands

as of September 7th

Debts
Mortgage - $33 173.29
Vehicle Loan - $9960.73
Total Debt - $43 134.02

Savings
Xmas 2011 - $1200
EF (TFSA) - $2015
RESP - $7968.74
RRSP - $2673


The highlights of this month are fully funding xmas 2011 and going under 10 grand for the vehicle loan. Onwards towards saving $1000 for RRSP

Wednesday, September 7, 2011

Under 10 grand

As Makky's Mom so succinctly pointed out last month, I am now under 10 grand on my vehicle loan!! It's so exciting to see it under that amount.

To be precise, my vehicle loan is currently at $9 960.73. I am on month 27 of a 60 month loan, but thanks to extra payments (which I haven't been able to do for awhile) I am technically on Month 43!

That means if I make only the regular payments I would be done on February of 2013. My obvious goal  is to finish paying off this loan by the end of 2012. That would require only 2 extra payments between now and Dec 2012.

The fun will be to see how much earlier I am able to pay it down while still meeting all my other goals.

Monday, September 5, 2011

Adding some link love

I realized I haven't done this for a very long time. There are many blogs I read that I just haven't gotten around to adding to my blogroll. If they are new to you, please feel free to take a peek.

Some for now, some for Later. I have been reading this blog for quite awhile. She is the wife of an Army Reserve Captain and raising their two daughters, often on her own, while DH is training and serving. I have been impressed with her ability to pay down debt and save.

North  Georgia Gal is another I've been reading for awhile. She has come so far in her journey to balance money and life. When I first started reading her, she was behind in her payments and more than once, had had service cut. She has gone through her share of trial and tribulation and still comes out, feistier than ever.

Many of you already read Mysti at Digging out from Our Mess. I love her spunk and tenacity.

Krystin is a replanted Canadian, which is what I think drew me to her. Her most recent post shows what a great job she is doing. A whole list of credit cards with balances now at ZERO. Check out  Misery of Money.

Sunday, September 4, 2011

Sweet Sunday

As I curl up with a morning coffee, I can hear the birds outside and Jiminy, the cricket, who lives under our window. I have Til Debt Do Us Part on TV.

I feel good about what I accomplished yesterday. Lots of errands - picking up dry cleaning, a run to the bottle recycling (forgot two bags in the shed the last time), a run to the Teacher's store to pick up something I had ordered.

At home, Mr. Laundry Line got a good workout. I never know how many sunshiney weekends we will have left. I did DS2's bed linen including his pillows and comforter. Mine is on the list today and DS1s if I can squeeze it in.

I baked yesterday. Some banana muffins and cookies. I had to hide most of them in the freezer as everyone pounced on them. There would have been none left for lunches if I hadn't.

I was also bad yesterday. Naughty bad. I watched Extreme couponers. Several episodes. We don't have the coupon redemption system the US has and it honestly fascinates me how it all works. I certainly wouldn't have the time or the brain energy to figure out the combinations to get all those deals. I watched more than one person walk out with thousands of dollars in groceries for zero dollars, or very close to zero dollars. Makes my sad little handful of coupons look quite laughable.

DH bought a bbq yesterday. I have no idea if he can afford it. I guess that is one of the upsides of separate finances. I don't have to worry about it (unless something massive happens and I become responsible for both of us) He spent most of last night assembling it in the garage. Our old one was burned out and we could no longer get parts for it. I am anticipating some sort of bbq'd food for supper tonight.

Upcoming money needed was on my mind a lot last night. I curled up and wrote out what $ I need for debt or savings goals until Xmas to see how I could go about acheiving them. The goals of 2012 came up as well. I put them in the order they need attacking and calculated to see if I had enough money to acheive these goals. It certainly adds up. Still unknown is my salary. I have no idea when our contract will be settled and what it will mean for net amounts each month. I guess there is no point worrying about that until it happens.

One thing I have learned is that the more  you start to truly think about money, the more situations that seem to come up where money is needed. Those situations always existed, but I think I just used to block them out and then get surprised when those bills come in.

Saturday, September 3, 2011

Weekend wind down

Well the first week of school started with a bang and I went from a slow paced to do list to a frantic get it done list!!!!  Ahhh I have forgotten how well time useage needs to be structured to get it all done LOL Crash relearning course.

School went well. I have a very large group of students and a lot of subjects where the curriculum is new, so there is a steep learning curve.  The boys started and things are semi smooth. DS2 discovered his band has been moved to the same night as  his scouts. band has been that night for years. He has to choose now and he is not a happy camper. DS1 is not happy either.  He was injured in his camp in bc and that has not gotten better. We have him going to physio. He was not able to try out for the junior a team this weekend. We go to a sports dr next week to get an mri to see if he needs knee surgery. I am crossing my fingers.

Since this is an activity free weekend I have a great opportunity to get things off my lists. School list. home list. mom list.

It's a beautiful sunny day out there. Gorgeous for September. I am just taking a bit of time with my morning coffee to catch up on reading  fellow bloggers. I miss you guys!