September change

Being back on cash creates more change opportunities.

1 roll toonies - $50
1 roll loonies - $25
2 rolls quarters - $20
2 rolls of nickels - $4
2 rolls of pennies - $1

total $100, all going as a lump sum payment against the LOC

the nickels and pennies were slowly building, but most of the pennies were found when we pulled out the 2 dressers and washed walls and cleaned behind them.

September change

Being back on cash creates more change opportunities.

1 roll toonies - $50
1 roll loonies - $25
2 rolls quarters - $20
2 rolls of nickels - $4
2 rolls of pennies - $1

total $100, all going as a lump sum payment against the LOC

the nickels and pennies were slowly building, but most of the pennies were found when we pulled out the 2 dressers and washed walls and cleaned behind the

Where does the money stand?

as of September 6th

Debts
Mortgage - $23 365.14

**Total Debt - $23 365.14


Savings/Planned Spending
TFSA/EF - $5000
RESP - $19 300
RRSP - $8000 
DS2's trip -$1956
Plates 2014 - $1200
XMAS - $500
 

Ok so this past month a lot of money moved around in a lot of directions.  The 'college' savings was morphed into a US $ account here in town so that it is ready when I need it.  I need to keep a watch on the exchange rate and plan when I will add more to it. There is a fee every time I do it so I want to do larger amounts a few times  a year rather than smaller amounts, more often.

** with regards to total debt... there is still the LOC. I had zeroed it out after I paid off DS2's car, but I am using this line as the 'loan' for DS1's college now.  That number will be in flux pretty much all the time. Take out a chunk against the LOC and then pay it back bit by bit each month. Repeat for semester 2.  I decided not to keep a running tally of this on here. Just a personal decision. Right now it is under $10 000 and should keep going down over the course of the year. I have a set amount I am paying off each month and snowflakes are going against it.

Snowflakes

Even though it was a huge expense month, the way I had the budget lines work allowed me to snowflake some cash this past week. We ate a lot out of the freezer and some produce from the garden at the farm.  I rolled $60 of grocery money into snowflakes.   I know this will not be a regular thing though. supplies only last so long.

A second source of snowflake came from an unexpected source. One of our administration broke her ankle this summer at the lake. Right foot. She asked if I could drive  to and from work. It's right on my way, and I don't mind, so I said yes. She insisted on paying me $40 for gas. Taxis would cost her between $8-10 a trip x 8 trips = $64. crazy how that adds up.

That will go with the rest to the bank with me tomorrow along with the rolled change from earlier in the week for a grand total of $150. The college LOC will be most happy to receive it.