March change

(back dating this as it's going to bug me if it's not IN March)

A quick round of change for the month sent $100 to my Back to School Goal, which is now at $400/$500

I had :

• 1 roll toonies $50
• 1 roll loonies $25
• 1 roll of quarters $10
• 3 rolls of dimes $15 

I had found 2 spare rolls of dimes under some shirts in the drawer where I keep my rolled coin.

One interesting thing was that this time, the bank teller opened up my room of toonies and took a peek at what was inside. I said "this is new" and she said that ppl have been coming in with loonies inside the toonie packs trying to cheat the system.  Sad.

Where the money stands

as of March 5th

Debt

Mortgage - $10 045.47

College LOC - $19 993.42

Total Debt - $30 038.89

Savings/Planned Spending

TFSA/EF - $8200 
RRSP -$15 814

Back to School 2018 - $300

XMAS 2018 - $200

TFSA 2018 - $400

RRSP 2018 - $1500 (goal met)

Plates 2018 - $500

ohhh SO close to under $30 000

and so close to the mortgage being under $10 000

ah well next month for sure

February Change

Well I am off today to see DS in the States for the weekend. It's his Senior Night this Sat so it will be super bitter sweet that this is probably my last time in his amazing city, and at his rink.

Not sure what the future holds for him next, but he certainly has had amazing memories made in his College Town.


I will head to the bank before we go to the city to catch our flight.

My change for the month totaled $100 and it goes towards my Back to School Target.

I have:
 

• 1 roll of toonies - $50
• 1 roll of loonies - $25
• 1 roll of quarters - $10
• 1 roll of dimes - $5
• 5 rolls of nickels - $10

I checked my 'change' blog logs and the last time I had my $10 worth of nickels to take in was June of 2017. So it took 8 months to acquire 200 nickels.  Interesting fact that probably no one cares about lol

RRSP Update

When last we left my wee little RRSP account it had a balance of $15 455.92 and had made a gain of under $200.

With my quarterly update I am up $358 with a new balance of $15 814.84

I really wish I had been in a position (or smart enough) to add more, and start earlier.  As I head to the last 10 or so years of working I know this little bit isn't going to get me far at all when retirement comes, especially after it's taxed.

I have my $1500 saved for my 2018 contribution so perhaps I will have time to get it added in the next couple weeks.

Where the money stands

as of Feb 5th

Debt

Mortgage - $10 384.93

College LOC - $20 393.42

Total Debt - $30 778.35

Savings/Planned Spending

TFSA/EF - $8200 
RRSP -$15 351

Back to School 2018 - $200

XMAS 2018 - $200

TFSA 2018 - $400

RRSP 2018 - $1500 (goal met)

Plates 2018 - $0

January is always a month that makes me feel energized, money wise.

I have met my goal for RRSP 2018.

I added change for Back to School.

My goal for 2018 was to pay down $1500 extra on my LOC. I managed to do $450. I know that Jan is a month before new bills happen and surprises, or I feel de-energized, so I don't expect to do that much every month. Was a nice start though. 

I hope to be below $30 000 (again) for my March 'where the money stands', but I never try to plan, or Murphy will come knocking.

My next goal will be for vehicle plates (insurance). If the boys manage to be able to pay their own for the first time, then I can redirect that saved money to another purpose.