Payday!!!

I love payday. I wish it came more than once a month...with the same cheque I get now...but more than once a month LOL

I am gone with my class on outdoor adventures all day so I had to take care of a couple things last night. Since my vehicle loan comes out of a dif bank than where my paycheque is deposited, I wrote a lil cheque to myself from Account A and took it over to Account B to deposit in the ATM (no late open banks here). I wanted to be sure the $ was there for the 26th auto withdrawl as I am not totally when it comes out should the 26th fall on a weekend.

I also got the cheque from work yesterday to pay off the $ on my Mastercard that the laptop purchase put on there. No balance on the CCs again this month. wheeeee.

We get in late tonight so there will not be time for me to get my $ out for my jars until perhaps tomorrow, although that day is crazy busy too. I keep waiting for the treadmill to stop but it does not seem to.

Happy Friday Everyone.

feeling a bit of a hypocrite

I have been blogging for over a year now and working my butt off to pay down debt and just learn to live, spend and save smarter. I am working fiercely to get the consolidated loan paid down. I am frugal with 'most' everything, except perhaps groceries/dining out.

Yet I sit here with my brand new vehicle (57 more payments and it's mine) and my brand new laptop (20 months @$50 through work). I have renos in my home and new furniture over the past 18 months, almost bought and paid for (some of it is on the consolidated loan I am working on). I have the new desktop computer bought and paid for over the past school year.

What triggered the guilt the most was that my spouse, who never buys me anything, bought me an itouch for my bday last week. I feel like 'how can I be frugal if I have all this fancy stuff'?????

It's an interesting and rather disturbing mindset to be in.

Looking over my Fall Goals

In August, I revamped my goals to meet my changing needs. The previous ones weren't fitting my comfort level and were causing me great stress.

To date, I have several of them completed, which is a great feeling.

a) Pay off the MC/Visa for this summer, the T trip and this current (and costly) week away in hotel for sports camp (Done)
b) Pay off all the back to school bills such as supplies, a few new clothes, school fees, and start up costs for their extra curricular activities (Done)
c) Max out my first ever RRSP, which is small, but a start. (Done)
d) Make the equivalent of one month's lump sum payment to Loan #1. ($448 done, $152 to go)
e) Put some money in each of the new target bars
f) If there is anything left 'extra' by the end of December then put it towards more lump sum payments.
g) newly added: set aside $200 for new clothes purchase about end of Oct. (Done)

I am close to finishing d) so that is good. It would be nice if I had that much left when I finish my 'month' this Thursday night but I have to accept that may not happen.

New Goals:

• save $1000 for XMAS 2010
• save $1000 for summer 2010
• save $1500 for RRSP 2010
• save $500 more for my Emergency Fund

I am hoping to put a total of $800 towards my new goals by Christmas. I have not yet decided if I will distribute the money equally, or if I will allocate by time deadline. Obviously the summer 2010 will have to come first.

For paycheques September to December I have $125 to play with. My two options are to put it all towards summer 2010 or to put $75 to Summer and $50 to EF.

Once January comes, I 'think' I will have about $225 to use (raise). I honestly won't know how much until that cheque comes. Then I will be dividing up the $ between all four of the targets.

I will still be whapping as much extra as I can on the lump sum payments for the consolidated loan. I positively ACHE for that one to be finished.

I miss my old one

lol I know, but I do. The keyboard on this laptop is very different. It is bigger and has the number pad down the side. The shift buttons are in farther spots and I keep typing the wrong things. There are mysterious accents I keep making appear even though I am typing in English. I am apparently hitting combinations that make odd things go on the screen. The VISTA is going to drive me insane. All these popups for this and that lol

I am sure I will get used to it and I do enjoy having a new one that actually can be turned on. Yeah i am picky that way. I like my laptop to turn on. lol

I am grateful I have the finances through work and that I can pay this off, interest free.

Now I just have to figure out how to make a capital I without having to look for the shift key. And now I`ve just hit something that made the window stay the same but my blog page is teeny in one corner of a large white screen. llordy lol

Well it's official

I will be purchasing my new Toshiba after school today. We shall see after if anything is salvageable from the old laptop. This will cost me just under $1000 with taxes. Through my employer I get reimbursed, and then pay THEM back interest free. I am choosing the 20 month option. I just can't swing an extra $100 a month right now (for the one year plan). $50 for 2 years is far more reasonable and if the day arrives when the bits of money I tuck away can equal what I have left, I can write them a check for the final remaining amount anytime and we're even.

This means I will have to redo my entire budget. Not only will I be taking the laptop sidebar off, but I have to jiggle things around to see where that $50 is going to come from.

I will have to do that this weekend as my next paycheque is next Friday.