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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.





Sunday, April 30, 2017

No change

two months!!

Two months with no rolled changed to add to my snowflakes.

Two months with no rolled changed to go to debt or savings.

That means I have been spending on CC or debit.

time for change.

Saturday, April 15, 2017

Where the money stands

late, I know

as of April 14th

Debt
Mortgage - $13 705.24
College LOC - $17 093.53

Total Debt - $30 798.77



Savings/Planned Spending
TFSA/EF - $8200

RRSP -$13 473

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

Surfacing

Thank you to those who left messages here and emailed.

I definitely slid into a funk and went awol from all parts of my life.

Part of it was medical. The colitis. An injury to my shoulder that kept me off work.

Part of it was mental. Just sad to my core. Hopeless. trapped. nothing to look forward to . Ever.

Part of it was work: So helpless when I have kids in trouble at school with parents who are not supportive, or who make the situation worse...kids with mental illnesses and no help. Kids in abusive dynamics and even social services can't get in to help.

Part of it was monetary. DS's (my) vehicle's tires were about to split. $1000.  Package policy for (insurance) for 3 vehicles - $980. DS1 needed his next round of rent and living money. It just kept flooding in. Even though I known DS2 is close to finishing and will hopefully be finding a job in his field...even though I know DS1 has only 1 year left...it was just burnout.

So I did what any logical person would do (note the sarcasm).... I went a bit deeper in debt. DS1's team made it to college version of the Stanley Cup. and so I went.  I got to see a major US city. new landmarks. New restaurants. I got to be like all the other moms on the team and follow their kid to an event. I got to watch my son play in front of 20,000 ppl... a half million on TV.  It was amazing.

and rejuvenating.

So now, with Easter break upon us, I feel a bit rejuvenated, a bit more hopeful. The debt damage I did wasn't insurmountable.   time to sip some coffee, and come up with a slow but steady process to keep making progress, but not get back in that trapped, no life, no fun vortex.

Thank you again all.