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Wednesday, May 31, 2017

May change

Feels like forever since I actually HAD change to report here.

2017 certainly has not started out the way I had hoped, but there is still time.

Last weekend I took my change to the bank and put it towards 'back to school'

  • 1 roll of toonies - $50
  • 1 roll of loonies - $25
  • 2 rolls of quarters - $20
  • 1 roll of dimes - $5


What this tells me is that I have started actually using cash and not debit/credit again.

Most of the change comes from my weekly jar money, and more specifically, comes from my grocery shopping change.

So yes I probably have another $100 this month I could have spent on groceries, but we managed fine without it and I am glad to have put it towards planned spending.

DS1 is home now so grocery will definitely go up.

Sunday, May 28, 2017

A productive weekend

I am a happy mama. Both my boys are home now......intrermittantly

DS2 formally moved out of his apartment where he went to college. Boy he's accumulated a lot in the two years while he is gone. He is home for a week and then he is off to his summer job as a Park Ranger ( I really hear 'hey hey hey boo boo' when I say that)

DS1 made it home Friday. He left at 4:30 his time and made it here 17 ish hours later. He brought most of his stuff ( a LOT of clothes) home, even though he has one year left.  He's like a hyper Chihuahua for the first few days when he gets home. and EATS. He just nicely left for his gf's town where he starts work there for the summer. He is lucky to have good inlaws who will take care of him. I will see him when he comes into town for hockey and on weekends.

So what did I accomplish during the weekend besides my family time?
  • 9 hours at the school cleaning, sorting
  • more loads of laundry that I can count. Most of this was DS2's
  • Baked a sour cream coffee cake for the  gf
  • made 8 dozen butter tarts
  • made 4 dozen muffins
  • cooked up big batches of ground beef and made little frozen packs of it for DS2 for spaghetti, chili and tacos
  • family time in the backyard
  • family bbq tonight at my parents'
and now I am relaxing with a glass of wine.

SUPER grateful for the energy that blessed me for a good chunk of each day

5 weeks of school left

Friday, May 19, 2017

Boom!

It's like an old episode of Unsolved Mysteries

Tuesday.... noon... a woman decides to better use her noon time for errands when her tire blows.

Thousands of miles away.....(and three days) her oldest son is driving and boom! his tire blows.

coincidence??? or another unsolved mystery??


Long story short I ran errands on Tuesday at noon and my tire light comes on to say it's low.  I run to the gas station to put air in it. When I unscrew the air cap, WHOOSH!! it goes flying across the parking lot to parts unknown, while the little brass valve flies out and lands a couple feet away. As I ran to grab it, my tire donates all it's air to the atmosphere.

I had to get DH to run over and swap vehicles to handle this or I would have been late for afternoon classes.  He took it to get fixed and $135 later it's apparently better.

The same thing happened to another of my tires the night before we were to drive down to see DS last fall.

DS2's tire blew yesterday in the same manner. I am glad it happened while he was still in his college town and not starting the 17 hour drive home to Canada.

His bill was $110 US.

I know I have an Emergency Fund but it's really my TFSA. I need to start a real emergency slush fund that is accessible easily for things like this.


Friday, May 12, 2017

RRSP

Forgotten in a pile of April mail that wasn't 'open now' necessary, was my RRSP update.

With the dollar tanking and things going crazy market wise, I had honestly expected a dip.

I was pleasantly surprised.

My last RRSP statement was $13 925.48


My mix is ethical bonds and dividends. Very conservative.

I am pleased to see that my balance is now is $14 176.55


In  a 2017 with lots of money and health hits it was good to see a little positive.

This was a gain of $251.07

Monday, May 8, 2017

Where the money stands

as of May 7th

Very little changes from last month.


Debt
Mortgage - $13 376.56
College LOC - $16 843.52

Total Debt - $30 220.08



Savings/Planned Spending
TFSA/EF - $8200

RRSP -$13 473

Back to School 2017 - $250
XMAS 2017 - $500
Plates 2017 - $1800


**Plates money is about to take a hit as DS2's vehicle insurance for the year is due this week. This should be the last time I have to do this for him. Hopefully he will find a full time job in his field this fall and I can slowly start to hand over his bills to him as he learns to budget for the adult world.

Saturday, May 6, 2017

Vacationing in a big city

The bills and  charges have all come in from our trip to watch DS play hockey in Chicago.

You can definitely tell I am from a small town because the costs related to the size of the city and the transportation were a steep learning curve.

Most of my pics are personal ones and DS doesn't wish those on here so I will stick to generic.

The biggest costs for the journey was the airfare. $1800 for the two of us plus the costs associated with it. Driving to and from airport here at home  $70. Parking at airport $75. Luggage fees $120. The bonus of having colitis is that you can't eat while travelling (at least I can't) so there were no drinks or snacks or meals during all those airport ways and layovers.

One of the next biggest costs was obviously the hotel. We stayed near the airport the first night as there were no rooms in downtown C that were less than $500 US. The team and one of the moms, who works for a hotel, was able to negotiate some pretty decent group rates. We spent one night near the airport and four right on the waterfront downtown at the hotel where the families stayed. We were about 6 blocks from the team hotel so not a bad walk at all, even in the wind.  If we had had to pay the regular price for the downtown hotel it would have come to just under $2000 CAD. We paid much much much less than that.

The hotel was a modern design one. Lots of black and white and glass. This was our room. It faced a city view, which, for a small town girl, was fascinating.


This was the view from the windows by the elevator just across from our room. You can see it's on the other side and right on Lake Michigan with an upclose look at one of the beaches and the Navy Pier.

Transportation was big. Except for walking to see the boys, to the Pier, or to the restaurants close by. everything was cab. Cab from the airport hotel to the downtown hotel was 55 minutes long in what the cab driver said was medium traffic. The same journey the day before was 95 minutes during rush hour and rain, according to the very nice driver.  We could have taken the train but honestly DH was super nervous about it and our time lines were tight. Getting lost could mean missing time with the boys. One family did get lost. I hate it when DH is validated LOL.   Cabs  to the hockey arena, cabs to the meeting place before the game. Cabs to the Aquarium.  Lots of the parents Ubered. When you don't have wifi in another country, wifi isn't a possibility.

Shopping could have been an expense, but we didn't shop. I don't have a body that enjoys shopping and I don't have  a bank account to support it. That was a painless decision.

Food was another expense, even though I could only eat in certain windows to allow for...............safe long cab rides to destinations. We did two nice breakfasts, both within walking distance of the hotel.

Yolk was about four blocks away and super busy. We had to wait about 20 minutes. Really good food and lots of it. We were lucky to have a big window view point to people watch.


One of our afternoons/evenings was spent at the Navy Pier. The boys did autographs there and there was an awards presentation. There are lots of shops and restaurants along the way. During our downtime we walked there and people/ship watched.  DH was super excited about a Bubba Gump's restaurant. He loves seafood. Me...not so much. We waited there 30 min for a table in the very noisy restaurant. He was in heaven. I had a drink, some fish and chips and the best key lime pie I have ever had.


We spent $70 US going to the aquarium for admission. It was alright but crazy busy with kids everywhere. DH really enjoyed it but I found the one I saw in New Orleans so much better.

Aside from a couple T shirts for hockey and drinks with the parents that was the extent of the money expenditure.

A lot of money? yes.  Pretty sure people go to Mexico for less at all inclusives.  I guess this was my Mexico. Definitely a chance of a lifetime to experience it.

Now back to our regular programming of life.