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Sunday, August 31, 2008

neglectful

I had high plans and hopes for writing things down and organizing them when I got paid on Monday but I have to confess that being back to work and the boys back to school everything got all set aside on a 'round to it'. So today I have to get my journal out and write down what I've spent and the categories they came out of. I am really wanting to track my groceries, household and eating out this month and see how accurate my guestimate budget will bring me.

I've been surfing other blogs to find comparables to see what other people with 2 adults, 2 teens spend per month on food. There's quite a range out there to say the least.

Ok so off to write and organize!!
Happy Sunday

Monday, August 25, 2008

Double Day

Well today two things happen: One is I get paid so woo hoo!!! The second is I start back to work in............55 minutes. I can't believe summer is gone already. The bright part of this is that we hit the 'normal' phase of our lives, which is anything but normal and regular, but I can now start to track groceries and household expenses etc and I am looking forward to seeing how much I spend/how little I can spend in a month. I've never done this before. It will definitely be interesting.

Friday, August 22, 2008

when it rains it pours

sigh
so tonight my older son and I were mowing my sister's lawn. It's an older home and there is an old water pipe that sticks out in the middle of the lawn about six inches high. I had just nicely said be careful of it and he was and suddenly wham it was under the mower. It chopped the flat iron head off the pipe but what was worse, it bent the blade and the crankshaft of the motor. the motor case is cracked which pretty much means the mower is DOA. This was a nice new power motor my husband had just finished paying for it a few months ago.

It looks as though the CC will take a $600ish hit to replace it if we buy the same mower again.

blech

Thursday, August 21, 2008

thoughts to ponder

With payday rapidly approaching and the bank account almost depleted I sit and think about the insane spending of August, with some still to come as I sign the boys up for their school and activities.

I have been waffling over how to tackle the emergency savings, the bank of mom debt and the CC debt and have ran through options and variations over and over. I think I have it straight how I want to tackle things and then I see it in a different light and run in that direction.

What I've decided to do is the most money saving wise I suspect. I will put a temporary hold on building the Emergency savings, which is currently at $500 ( I wanted to get it to $1000) and I will, with mom's approval, put the bank of mom loan on hold and divert all those funds towards the CC Debt. I should know better by end September cheque, how long this hiatus will be as my cheques are different in September as there is a pay increase and a few other things happening.

My hope is that by Christmas, the CC is paid off, the Emergency fund hits the first goal of $1000, and the Bank of mom loan is 1/3 paid off.

Monday, August 18, 2008

lil things

Today was a little things kind of morning. Time to get newly arrived paperwork paid and filed. Time to shred. Time to roll coins. Time to take in bottles and cans. My mom and sister contributed to the latter.

I like it when I am able to get things like this down as it is often the little things that bog my world down, piling up until they become big things.

I had $13.00 in coins all rolled up. I will do that again at end of September.

I took in the bags of cans and bottles and netted a lovely $49.70. Together that makes almost $63 of 'found money' this morning. That will go to the bank this afternoon and go towards the debt. wheeeeeeeee

That puts fewer bottles and cans into the landfill and a bit of jingle in my pocket

If only every day could be 'found money' day.

Sunday, August 17, 2008

The scariest part of back to school/start of season

  • Back to school supplies $100
  • School Fees $200ish
  • My staff dues $75
  • Band sign up $150
  • Instrument Rental $285
  • Back to school clothes $200ish
  • Classroom supplies and resources for new curricula $250
  • School lunches ??
  • Milk Card $15
  • Hockey start up fee $550
  • Hockey team fee $400 + fundraising

that's all my fuzzy brain can think of right now

Friday, August 15, 2008

My gift bag from Staples

Well there was no coffee or treats. I shopped for a few things there and got some duotangs for 19cents and new desk stapler. My ink for my printer was 'sort of' on sale but it kills me that to fill that thing costs more than buying a new printer often. It's insane how many people will buy a new printer rather than ink for their old one but it's cheaper. The printer companies have gotten around this by only putting 1/4 of a cartridge of ink in. I wonder if this will cut down on old printers laying sad and lonely in the landfill.

But I digress. What did I get in my gift bag??
  • 1008 cutsey stickers for assignments (I teach middle years so the effects of stickers aren't quite as powerful as at the lower primary.
  • a teeny white glue bottle
  • a simple pleasure oatmeal cranberry bar from Dare
  • some red pencil from a company with a 6 page promo on their product
  • a Five senses poster I'll give to a colleague in Gr 2
  • a coupon book for Staples

That's it.

Was it worth going to just for that? heck no.

I did use my 10% to get a few of the things I needed that were reasonably priced, but I will buy my childrens' school supplies at Walmart.

There is another T day next Thursday and if I have all my ducks in a row I may buy my new computer (not laptop) for downstairs. 10% off would definitely help there.

Thursday, August 14, 2008

the beginning of back to school

Today is Teacher Appreciation Day at Staples! Actually there is one next Thursday too but I'll go today. Now from what I hear in some bigger centers, this is a pretty fancy event. There's coffee and juice, muffins and donuts and a lovely gift bag. I went last year here to our sort of new Staples outlet and the smell of freshly brewed java was conspicuously absent. No scent of yeasty creamy filled cellulite WITH icing in the air. My treat bag was tiny: a highlighter, some stickers and some coupons for further visits, some other little thing which escapes my memory at the moment, and an easy button. I was going to give that bag to my intern (student teacher) along with a few other treats as a welcome to the school for 4 months, but that seemed insufficient. I ended up hitting the dollar store to find some great things: paperclips, highlighters, teacher pencils, notepads, thingies to hold her stuff on her desk...but I digress.

I wanted that easy button. I coveted that easy button. I didn't have one. I always wanted one. In the end I exchanged her easy button for a lil floral bouquet for her desk which probably cost more than the button. Sometime I am so silly.

So off I go today to see what things are in there. There is high doubts there will be any coffee or pastry but go I shall. I also get 10% off on any purchases I make. Will I get the boys' school supplies there? Probably not as they are more expensive there at 10% than Walmart at it's regular price. But I shall go and pick up new ink for my home printer which you can't get at Walmart, maybe a few other little things (I'll have to check the flyer) and get my treat bag and my 10% off.

I may be almost 40 but the August display of school supplies does something to me. I get antsy and my eyes glaze over. New pens and notebooks! New fresh crisp looseleaf. New sticky note thingies. A giant rainbow pack of coloured sharpies!!! *drool* and this is for me, not my kids LOL

I spent probably $1000 a year out of my own pocket on my classroom. Some consumables, some books and decorations...some were good choices, some were not.

Any deal I get is great!!

Well off I go to brush my teeth and get out of my jammies to be there when the stores are open. After all, free gift bag supplies are limited LOL

Wednesday, August 13, 2008

How does one truly begin?

Ok the short answer to this question is to travel back in time to when I first started working and smack myself til I have a far more advanced financial awareness. Or travel back to 1991ish to when I was introduced to the world of credit and smack myself there. Between you and me, the first choice makes more sense.

So now I am in a position where we have a mortgage, a truck loan, 2 CCs with money on them, one consolidated loan, a bank of mom loan, no savings, no retirement fund, no emergency fund and no educational funds for the kids.

I certainly have learned more about money in the past three or so years, but I don't know if I am any smarter.

I've read a plethora of financial pages and books, all with varying advice that does seem to make sense, but where does one begin?

I want to get $1000 in an emergency fund. I want to get my new CCdebt (less than $2000) off the 'to owe' list. I want to get the debt of $1500 paid back to bank of Mom before she just says 'ohh don't worry about it' yet again and I hate feeling that way. (There's more I want to do but I'm focusing on these three right now)

Taking care of the emergency savings would help as we always seem to have emergencies we are not financially prepared for and that gets tossed on the credit card.

Taking care of Bank of Mom would give me that peace of mind that maybe, just maybe, I'm a grownup for once and don't owe my mom for this loan.

Taking care of the CC would make money interest wise, but would it give the best peace of mind and feeling of security.


Sometimes the frantic 'too much to do too little time' gets to be overwhelming.

Tuesday, August 12, 2008

ooo found a great article...

...speaking of my clothesline post from the other day. It shows the struggles of those who want to hang up in planned communities where such practices are forbidden and comments about property value plummetting as your bloomers go up on the line. It also comments on how such people perhaps need to realize the positive effects it would have on the energy crisis and our wallets.

A good read though the article is a bit dated. I shall continue to search for more currect articles.

clotheslines

Sunday, August 10, 2008

Flapping in the Wind





I've had an old clothesline in my backyard since we moved to this house in 1996. I live in an older neighbourhood in a small prairie town so I didn't think the line was that unusual, though we didn't have one at my parent's house growing up (10 blocks away) nor at my grandparent's house (across the street). Ok maybe it was less common that I thought.

Anyways, when we moved here my husband wanted to tear it out as it goes across the backyard, but I resisted, mostly for odd feelings of nostalgia, I suspect.

Over the years it's been used rarely, mostly to air out sleeping bags or hose off outdoor carpets etc. Last summer I started using it for things like towels, which seem to take forever to dry in the dryer.

This spring I noticed a series of 'clotheslines are back' commercials on TV, mostly off the Ontario channels, with the preface "clotheslines are cool. " I was intrigued at the thought of using my clothesline for more than the occasional set of towels.

Off I went to the dollar store to make my frugal purchase of two bags of clothespins and home I went to begin this endeavour. Everything goes on the line with the exception of undies, socks and tea towels.

What I've noticed is that on the hot days, things like my boys' tshirts or shorts dry in no time at all. Other longer drying items like towels or bunnyhugs (hoodies to everyone but parts of Saskatchewan :-) take a bit longer.

Most of our cotton items I'd hang from whatever spots I could find in the basement so they would not shrink. I was not saving energy by using the clothesline for these but I definitely was cutting the time back from a day or two of drying inside to a couple hours at most outside. Speeding up laundry???? How exciting.

I learned along the way that I need to add softener to the wash though or things come out a bit crisper than one would want. I learned that I need to watch the rainclouds and get things off the line. (This works now that I am home in the summer but come fall, a different strategy will have to be sought out). I learned that I get this weird suzy homemaker kind of feel as I skip out there with my basket, holding pins in my mouth as I fasten items to the line. It's a good feeling, which is odd as I am the farthest thing on the planet from a proper homemaker. I learned that my one neighbour comments a bit if she is out there when I am, but I have decided it is more of a 'holy two kids and two adults make a ton of laundry' rather than a judgment call.

It has made me venture down back alleys in some of the older neighbourhoods to see who has lines and who uses them. They are rarer than I thought, but I do see some out in use.

I don't really have any way of calculating how much energy/money this saves me but at a minimum of 10 loads of regular wash a week going out there, that must be a rather significant savings.

We were camping last week and came home with everything smelling of campfire so wash it we must. We are a two pillow per kind of family so just for the four of us, there were eight pillows. In the dryer, those things take at least an hour of drying so simple math means that just the pillows alone going on the line saved 8 hours of energy. Amazing how things add up.

I suspect more don't use them because new houses don't have lines, condos, townhouses and apartments are too close perhaps? or maybe it just is out of fashion. There are movements in some complexes in Canada and the US who are fighting for their right to have a clothesline when other neighbours think it is an eyesore. It is called the 'right to dry' movement. I will definitely be reading more on this.

I found a great list of reasons to use clotheslines at http://www.laundrylist.org/.

If you can do it, flapping in the wind is a great way to save energy, time and money.

Do you let it all hang out?

Saturday, August 9, 2008

Where the debt stands

As of August 1st, 2008

Mortgage - $44 383.85
Consolidated Loan - $15 190.91
His VISA -$2845.02
His Truck Payment - $17795.22
Bank of Mom - $1200.00

Total Debt $81 415.00


For September 1st, there will be a new addition to the debt list as the MC took a huge hit during the traditional horrid August expenses.

This van may be the financial death of me

The night before I left for the week away with my son my power steering line decided it was tired and did not want to work anymore. It was leaking everywhere! The timing was so not in my favour as I was leaving right after noon the next day. We managed to pull in a favour and get my van into the shop early the next morning.

Shortly before noon the damage was complete. $142.52. I certainly hadn't budgeted for that but breaking down 4 hours from home wouldn't have been a picnic either. It went on the MC, which was only the first of many expenses to go on there from our week away.

I broke down and sent a small vase of flowers to the lady who squeezed us in at the autobody shop. This is the second 'squeezing in' she's done for me since start of summer and I believe it was necessary to show my gratitude. Another $23.75 goes down on MC.

I have reached a point where this van is really starting to cost me. Between necessary new tires, the two trips to the autobody shop and repair of rack and pinion it has cost me over $1000. That is about the same amount the car lot would give me on a trade in.

I don't have the money for a new vehicle payment yet continuing to pay for repairs is foolish too.