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Today my regular payment came off my consolidated loan. I am now down to $1818.00 left on it. That means in 23 months I have paid off $16 000 of debt!! Really though I have only been working aggressively on that for 14 of those 23 months.
I know now that I will be done with this loan before the end of the school year. That will be 10 months ahead of amortization schedule.
My usual principal amount that comes off is $540. This month $558. Like a little $18 gift :-)
I can't wait until I can start tackling the vehicle loan and see how extra payments affect the interest on a far larger sum.
Well it's a happy day that it's payday!! When you get paid once a month, even if you ration your money out by the week, it's a long month. Expenses were high for Feb, particularly for the extra money for conference that I hadn't budgeted for. Mental note for next year to get this in a budget line so it's not such a shocker.
Coming soon to expenses near me are:
- DS2's glasses I paid for on CC yesterday and now I wait the long time for insurance claims to go first through my husband's plan and then through mine. Tedious process to be sure but I am very glad we have plans.
- Soccer registration for DS1 is tonight. That will be about $100. I don't recall exactly. That will come out of the boys' expenses account
- DS2 goes on a 2 day field trip next week. Expenses are $50 outright plus a wee bit of spending money.
- DS1 and DS2's forms for summer camp came this week and will have to be sent out. It was $400ish for them both last year so it will be at least that. That will come out of the boys' account too though it's pretty tight in there right now.
I am sure more things will be coming up. Brain full right now LOL
Ok having this time off was timed perfectly for the Olympics. I got to watch during the day as things were happening. The rebroadcasts just aren't the same. I see TVs on when I go to the bank, to larger stores. Folks were gathered around in the mall the other day watching the shootout for hockey.
We have one connection that gets TV feed at school so tomorrow, it is quite likely that the TV will be on in the Library whenever there aren't classes in there who need quiet. It will absolutely be on for hockey and for curling. During the last Olympics we gathered to watch those finals with students.
For Jonesie- curling :-)
In small town Saskatchewan, folks grow up with curling, just as they do with hockey. While the popularily among young folks has dwindled a bit since I was younger It is still there. Both my sons curl though DS2 does more regularly. Three of my nephews were on 'fancier' teams and made it to provincial finals. Kinda in the blood.
There are four members per team: lead, second, third and skip. Usually third and skip have more experience with different plays. The coloured rings are called 'the house' and the center is called 'the button'. The goal is to get more of your rocks closer to the button than your opponents. One point per rock. If I have two rocks near the center of the button and one on the very edge of the rings, I have three in the house. If you have one of yours between my outside one and my two inside ones, then your rock prevents my third outside ring rock, from counting. I would get two points for that round, which is called an 'end'.
The brooms... well I curled back in the day when the brooms were long and narrow and made of straw or cloth and it took a lot more coordination to sweep without falling over yourself LOL. Brooms help keep bits of debris from catching on the rock and halting it's movement. That's called 'cleaning the ice' and if you see the two sweepers moving down with the rock and one is just sliding along and the other is lightly sweeping, that is what they are doing. Heavier broom use can help increase the speed of the rock, or keep it going in a straight line as it's heading right where you want it to be.
When the thrower lets go of the rock they will twist their hand lightly either clockwise, or counter clockwise so that the rock gently curls in the target direction. This can let it move around some of the opponent's stones which block where you want to go.
It's actually harder to curl than it looks. There are so many technical things ones doesn't know until they play: How hard to throw the rock to get the results you want - knocking out another one or gently gliding into a spot; how much twist of your wrist to give it so it doesn't end up too far to the left or right of where you want it to be.
It is more fun to play than to watch, to be honest. so if you ever get a chance, do try it :-)
Thanks for asking!
Well the week off/conference is over and I sit here curled up with a cup of coffee watching the snow lightly come down.
A busy week that included:
-- beginning the RRSP process
-- a fun family day with the boys, catching a movie, some food, a bit of shopping and lots of laughs
-- some items checked off the to do list at school
-- a bit of cleaning and organizing
-- some Olympic watching
oh, and I took my change in to the bank. I started tucking it aside for a personal challenge in....November, I think. I had challenged myself to save $100 in change to put towards lump sum. Happily, I rolled myself towards $200 and I took it, along with $220 other snowflakes, to equal $420 dollars. It was very exciting to take it all in and whap it down on that debt. Barring no surprises, I would be done paying off this debt with the May payment and half of the June one. Very exciting!
So speaking of surprises, DS2 learned this week he needs glasses. Lordy. This is new for me as a parent. The frames and prescription will run us somewhere in the $400s from their estimate. I will find out when the frames he chose come in so we can double check. I will now begin the journey to figure out how much is covered by my plan and if there is any coverage at all through his father's.
Tummy's rumbling so it's time for some breakfast. Happy Saturday, all.
So I go for my RRSP appt to the main branch today. I am guided to an office by a pretty young lady. As we sit as she begins to explain, I realize she hasn't introduced herself. odd
She begins describing things and I feel like a perfect idiot as I know so little about what she is talking about. I glance at her as she is inputting on the computer and realize she looks familiar. I glance at the set of business cards as see a last name I have heard of but I do not know personally.
hmmmm
She continues to take me through my little self inventory on what kind of investor I would be and it keeps bugging me. I glance again at the business card and see the first name Molly. Hmmmmm
Immediate I think of the only Molly I ever taught and I am pretty sure it is her. Wedding rings would indicate the reason for a different last name. As she goes out to get something she's printed I see her credentials hanging on the wall. Ahhh that's my girl.
I taught her Grade 8 Math and Social probably 12 years ago. I smile at her and say, "If I promise not to dig around and find the video we did in Social where you had on a bonnet and were recreating a journey of Irish Immigrants to Canada....will you promise to go slowly through this?" She laughed and said "Deal". I may know a few things about Grade 8 Math, but I willingly admit she knows far more than I do about Investment.
Man I feel old. But at least, I know, I can ask her anything and not worry about sounding stupid. She always did like me, even back then LOL
So I am officially an RRSP girl, though a wee tiny one who has a long way to grow and a lot to know.
