TFSA/ EEE Account $336.84 (up $50.60)
Xmas Fund $1553.62 (down $96.40)
RRSP Savings Acct. $57.11 ( up $25.04)
Vacations Account $20.85 (down $729.21)
RRSP MF Acct. $1,758.92 (down $7.87)
RESP MF Acct. $1364.10 (up $176.17)
Emergency Fund Acct. $652.71 (up $361.61)
House Fund $95.01 (up $32.01)
Biz Savings/5 Categories $7,742.08 (down $3872.93)
Canada Savings Bonds $1325.00 (up $140.00)
B's Savings Acct. $225.01 (up $70.01)
HBC Card (28.8%): Overpaid, credit of $31.00
Personal Loan: $5895.50, down $160.00
MBNA Card (27.98%): $1,647.75, down $157.03
Capital One Card (19.8%): $3215.08, down $54.46
Overdraft 1: $446.40, up $69.41
Auto Loan: $ 305.26, down $251.10
Tax Owing: $3591.41, down $470.35
Our current total Debt owing: $15,101.40
Total Debt owed January 1, 2011: $23,861.01
Difference since January 1, 2011: $ 8,759.61
Difference since last month: $ 1,023.53
Our Net Worth this month is only a mere $29.85, but we could effectively be out of debt if we were to deplete all of our savings, which of course we are not willing to do.
The vacations account is down so much, because I have taken the money out of the account for our trip to the cottage. We will need to buy some food and drinks, so that will come from this money. We also have to pay for the cottage rental in cash the day we arrive, so I want to be sure I have the cash available.
The business account took a couple of big hits with paying off the amount owing for Small Claims Court settlement, as well as some spending. However, we are back on track for putting money back into this account to take care of future obligations.
The Xmas/Car fund account looks a little weird. I put money in to start saving for the lawyer retainer, then changed my mind about how I would deal with it. So I took the money back out. Then I put money in to start saving up for a newer vehicle. It's going to take some time to save up enough, but at least we have started.
As for the credit cards...well, at least we haven't used them. With the postal strike, and the weird cycle that both cards are on, it looks like we didn't make much headway even though we paid $200 on each card last month. Interest charges are another culprit, I'm sure.
I should probably add another column to our debt, even though it's only a debt to ourselves. We 'borrowed' $4000 from our rent account to pay the lawyer's retainer fee for my divorce application. But that will come after that emergency Fund Account gets back up to $1000. We're almost there.
How did you do with your finances this month? Is everything going according to plan?
Sunday, July 31, 2011
Thursday, July 28, 2011
Hello, New Bloggers
I enjoy reading all the blogs that I do every day. I have made many friends in the PF Blogging community. I feel blessed to be sharing our journey with you, and sharing in your respective journeys also. I love checking to see if some of my favourites have posted on a given day, and in a way, feel like I've missed out when I don't see new posts from some of you. Reading blogs and blogging are essentially part of my daily routine now.
One other part of blogging that I love is reading comments, not only on my own blog, but on the blogs of others. Leaving a comment, even if it is only a short 'Hello', lets the author know you've been there and read what they've posted that day. I love getting comments from my readers, especially the ones that encourage and inspire me on my debt free journey. They make me feel that I am not alone in my journey, that I have a posse of friends that are supporting me, pushing me toward better days and better things.
Finding a new PF blog gives me an opportunity to share that feeling with someone else, to let them know they are not alone. A comment can give encouragement and inspiration, especially to those who are just in the beginnings of their journey, or have just started blogging about it.
To those who are new to my blog, welcome. To those who have been reading my dribble for awhile, thank you for your support. It means a lot to me.
I'd like to share with you some new(ish) blogs that I have enjoyed reading.
Meet Captain Sweatpants over at In Debt, Fat, Short, with Bad Teeth. Reading his posts and his comments make me laugh every day. Go give him some love folks!
Mr. & Mrs. have a Misson: Debt Free. They've had a rough go lately, and Mr. is a Superhero, doing what would be unthinkable for most of us. They inspire me. Please, give them some love. :)
Taylor has started a blog, Debt Can Kiss Off! She's learning to not let her pride get in the way of what she's trying to accomplish, and learning to ask for help. Give her some love , please.
Cassie is Digging Out and Up and blogging in Wordpress now, but has saved her Blogger posts in a separate page. Loving her blog!
Lane blogs about getting out from under her huge debt and get her net worth back to In Mint Condition. She has a great sense of humour, so please give her some love.
These are just a few of the new(ish) PF Blogs I have found.
Have you found any new new blogs you would like to share with me? and everyone else?
One other part of blogging that I love is reading comments, not only on my own blog, but on the blogs of others. Leaving a comment, even if it is only a short 'Hello', lets the author know you've been there and read what they've posted that day. I love getting comments from my readers, especially the ones that encourage and inspire me on my debt free journey. They make me feel that I am not alone in my journey, that I have a posse of friends that are supporting me, pushing me toward better days and better things.
Finding a new PF blog gives me an opportunity to share that feeling with someone else, to let them know they are not alone. A comment can give encouragement and inspiration, especially to those who are just in the beginnings of their journey, or have just started blogging about it.
To those who are new to my blog, welcome. To those who have been reading my dribble for awhile, thank you for your support. It means a lot to me.
I'd like to share with you some new(ish) blogs that I have enjoyed reading.
Meet Captain Sweatpants over at In Debt, Fat, Short, with Bad Teeth. Reading his posts and his comments make me laugh every day. Go give him some love folks!
Mr. & Mrs. have a Misson: Debt Free. They've had a rough go lately, and Mr. is a Superhero, doing what would be unthinkable for most of us. They inspire me. Please, give them some love. :)
Taylor has started a blog, Debt Can Kiss Off! She's learning to not let her pride get in the way of what she's trying to accomplish, and learning to ask for help. Give her some love , please.
Cassie is Digging Out and Up and blogging in Wordpress now, but has saved her Blogger posts in a separate page. Loving her blog!
Lane blogs about getting out from under her huge debt and get her net worth back to In Mint Condition. She has a great sense of humour, so please give her some love.
These are just a few of the new(ish) PF Blogs I have found.
Have you found any new new blogs you would like to share with me? and everyone else?
Wednesday, July 27, 2011
Wow, am I sore and tired.
Yesterday did not happen anything close to how I planned it.
I did manage to take the kids to the pool for about an hour, and then allhell broke loose work calls started coming in, and they didn't stop for hours. Hubby was home by then and was able to help me. Gramma was done work, and came by to visit, so we ended up leaving the kids with her.
I didn't clean, declutter or organize anything. I didn't make dinner, G-Ma did. I did get some work related activities done, just not the ones I had wanted to do.
Which results in making yesterday an EPIC FAIL.
Well, almost.
Working = income. I figured the work we did yesterday alone will pay almost $1000.
While Hubby & I were driving around, we talked about our money situation. After we get the $1000 emergency fund tackled, next up will be to repay the rent account the $4000 we borrowed for the lawyer's retainer. In September, his car loan will be paid off, so the amount that he normally pays will be reallocated into the new vehicle fund. All this while still paying down our debt.
We dreamed a little, talking about how much work that would be required from our business in order for him to quit his day job. The business isn't making near what we would need for that, but it's closer to that point than ever before. Maybe someday, it will be possible.
I'm taking it easy today because I am just not up to doing anything physically strenuous. I may head down to the pool later for some laps, but I'm not going to worry about it today.
We're all set to unplug tonight after dinner. Maybe we'll just go for a long walk around the neighborhood. I'm aiming for no spending today as well.
Wishing you a well Wednesday.....
Yesterday did not happen anything close to how I planned it.
I did manage to take the kids to the pool for about an hour, and then all
I didn't clean, declutter or organize anything. I didn't make dinner, G-Ma did. I did get some work related activities done, just not the ones I had wanted to do.
Which results in making yesterday an EPIC FAIL.
Well, almost.
Working = income. I figured the work we did yesterday alone will pay almost $1000.
While Hubby & I were driving around, we talked about our money situation. After we get the $1000 emergency fund tackled, next up will be to repay the rent account the $4000 we borrowed for the lawyer's retainer. In September, his car loan will be paid off, so the amount that he normally pays will be reallocated into the new vehicle fund. All this while still paying down our debt.
We dreamed a little, talking about how much work that would be required from our business in order for him to quit his day job. The business isn't making near what we would need for that, but it's closer to that point than ever before. Maybe someday, it will be possible.
I'm taking it easy today because I am just not up to doing anything physically strenuous. I may head down to the pool later for some laps, but I'm not going to worry about it today.
We're all set to unplug tonight after dinner. Maybe we'll just go for a long walk around the neighborhood. I'm aiming for no spending today as well.
Wishing you a well Wednesday.....
Tuesday, July 26, 2011
Tuesday's To do List
It's too warm to make candles. I've worked a lot over the past week, and I really want to spend some time with my family so I'm going to keep today's list very short. If I don't accomplish it all, or any of it for that matter, that will be OK with me too. MIL is coming over for dinner tonight, so I want to keep the house relaxed as much as possible today.
Happy Tuesday everyone!
- clean out the tub and bathroom sink
- take something out for dinner
- brings toys from living room back into Cub's bedroom
take the kids to the pool2 work related activitiestake out the recycling that is piling up- make E-Fund bank deposit
- one load of laundry
Happy Tuesday everyone!
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