Week 15

Alright so I wasn’t and haven’t been able to get to the credit union to withdraw money BUT finally I was able to.

I think this will aid me in staying under budget.

Monday

I woke up monday and headed to work for 730am, I worked until 330.

I had to buy a bottle of water because I left my water bottle in my sisters car, that cost $2.10.

I had to buy lunch because I didn’t give myself enough time to make myself a lunch. That cost me $7.50.

Finally I walked to the credit union to withdraw money and realized as I got there that they were closed for Remembrance Day. I walked back and stopped at the Dollar Tree to look for stocking stuffers but only ended up buying cookie mix which cost $2.50.

When I got home I wasn’t feeling too well so we watched some tv, Jordan made dinner and we went to bed.

Jordan also gave me $35 for half of the cats food which was really nice!

Tuesday

I woke up around 7:45am and made a list that was to be completed in no particular order on Tuesday and Wednesday:

  • Do Groceries
  • Return gift
  • Play some Guitar with my friend from work
  • Make bed
  • Put dishes away
  • Tidy Dining room
  • Wipe Windows
  • Make/eat breakfast
  • Write out dinner board
  • Hangout with Zack
  • Start new blog post
  • Go to Credit Union to withdraw money
  • Take pics of Reciepts
  • Do some laundry
  • Clean cats litter

I successfully made the bed, wiped the windows, had breakfast, and cleaned the litter before heading to the grocery store.

I bought groceries which cost me $37.50. I went to the mall and returned the gift which gave me $15.80 back.

After that I grabbed a quick bite to eat at A&W which cost $11.85.

I hopped on the bus home and put the groceries away.

My friend from work picked me up and we hung out and jammed on the guitars for about 2.5 hours.

When I got home Jordan and I decided on dinner and turned on some Lucifer.

I signed up for Disney+ and I’m so glad I did. Jord and I spent the rest of the night watching Suit Life of Zack and Cody.

Wednesday

Wednesday I woke up and got ready to meet a friend at the mall. We met at Starbucks and sat waiting for the mall to open.

When the mall opened up we stopped by as many stores as we could in the span of about 3 hours. I got some awesome deals on gifts. The total cost of the mall trip was only $34.65.

After a good morning at the mall Zack and I went our separate ways. I headed over to Freeman’s Wine making shop and started some wine for Jordan and I, it cost $134.99 divided by 2.

After I walked to a different store and where I bought a gift for $10.95

I then went back to the mall to wait around for the bus.

As soon as I got home my mom had returned my call about a SWEET deal on a gift for someone so she picked me up to make sure that she wasn’t going to buy the same ones.

After that she dropped me off downtown. I walked around for a bit and then caught a bus home from the station.

After getting home I then went back out to Shoppers where I was able to do a 20x the points event and get some gifts for Christmas. I spent $105.50.

I came home and chilled for the remainder of the night.

Thursday

I worked at 11am so I was able to do a few chores before work.

It was a pretty standard day, I spent money on food and coffees, total was $10.80.

After work I came home and did a bit of laundry before heading to bed.

Friday

Friday I worked a later shift so I was able to get a lot done during the day. I tidied up and played some guitar, which I am really improving on! Hopefully I’ll be able to post and share my improvements soon!

I went to work for 5pm and did my supervisor training. It was a good night, I did virtually everything without too much help.

After work my coworker Erin drove me over to the house to get changed and pickup Jordan. We went out with some people from work for some apps and drinks!

It was a great night, a little too great for some ahaha! but all in all I think everyone had a good time! I hope we get to do it again!

Nancy was nice enough to drive Jord and I home and then I threw on some Smart Guy and went to bed.

Saturday

Soooooo… I had a couple drinks last night. I had to work a 9-5 today and safe to say it was a little rough. BUT nothing a good coffee can’t fix!

I spent $15.30 on food and coffee to get myself though the day. I was alright but I was definitely excited to get home.

When I got home I just chilled out for awhile before going to sleep.

Sunday

I woke up to work at 7am. I worked until 12pm and headed home to meet Jordan. We got ready and walked towards downtown where we caught a bus to The Dugout.

The store I work at was having the Christmas party there. The food was absolutely delicious and the party was a pretty good time!

After the party Jordan and I walked towards downtown to watch the Santa Claus Parade.

The Parade was alright. There were lots of floats, I was impressed for a smaller city.

After the parade ended we walked home and went to bed.

Review

I apologize greatly for the thin post this week. I had a nice post all typed up, I had thought I saved the draft and when I went to post it on Monday, everything after Tuesday had disappeared. Hope you still enjoyed the read. Thank you for continuing to come back weekly!

Week 14

Wow week 14 already. It’s been a ride and week 13 really hit me hard as I was buying Christmas gifts and I treated myself to little something.

I’m trying my best to keep my spirits up in the midst of the seasons transitioning (were going into winter) or I could say “winter is coming” (referencing a show in which I’ve fallen asleep halfway through the first episode 3 times and never been able to successfully start).

I’m trying to get myself into new routines like taking vitamins and going to sleep on time and doing things that make me happy.

I’ve found the early results are pretty good so I’m going to keep up and maybe I can get through the winter season without suffering from mad seasonal depression like the past 5-8 years.

Now to the blog!

Monday

Monday started off well. I worked at 7:30am to 3:30pm, spent $5 on some coffee. While I was at work I ripped my pants.

So I had to rollllllll on over to the mall and buy new pants.

While I was there I was taking pics of things I may want for Christmas (yes I do love getting gifts, but I love giving them more).

I ended up spending $134.60 at the mall. YIKES!

I came home and had dinner with Jordan. We hung out for a bit, Jordan went to bed and I played 2k for a bit.

Tuesday

I woke up in the morning and attempted to do things but kinda just chilled.

I worked from 10am – 5pm. It was a meh kinda day.

I ended up going the whole day without spending money.

I went to my moms for bit to hangout and chat about this weekends plans.

My mom dropped me off and I hung out with Jord, we had latte and watched some Lucifer before going to bed.

Wednesday

I woke up and chilled for a bit, made myself a lunch, played some 2k.

I didn’t have to be at work until 11:30. So I got ready to go and was on my way.

I got halfway there and realized I forgot my lunch. So I had to spend $6.95 on lunch.

When I got off work at 6:30 Jordan met up with me and we bought some groceries and a few Christmas gifts, it cost $52.30.

We packed our bags and ventured home.

We put all the groceries away and turned on some Lucifer. We mucked half a bag on Jalepeno Cheddar popcorn.

Jord had to work early in the morning so she went to bed. I stayed up and played 2k for about and hour and a half and then called it a night.

Thursday

Ah Thursday, I don’t work until 2pm today. I have a couple things on my list and I need to get them done.

I have to:

  • Bake cupcakes for Jordan
  • Go return a Christmas gift.
  • Practice Guitar
  • Workout
  • Shower and get ready for work

I’m up and at it at 9am. That gives me like about 4 hours to get all of this done. Worst comes to worst I can always return the gift on the weekend.

PS she snowing good out there today!

I successfully finished everything except returning the Christmas gift! Not bad!

I went to work for 2pm and worked until 10pm. It was a good shift. I was training for supervising on the night shift and I did most of it on my own. I felt pretty good about it.

When I arrived home I realized I took home the keys for the office and would have to wake up early to return them.

I talked with Jordan for awhile and then we went to bed.

Friday

I woke up at 7am and had to quickly get ready to take the keys into work!

I had a nice walk, it was crisp and cool out and woke me up quite well.

I dropped the keys off much to the relief of my coworker who was opening the store.

I came home had some breakfast and got ready for work.

I left around 8:45am and when I got to work I realized I had forgotten my coffee on the counter.

Luckily when my buddy Zack showed up he gave me a Tim’s Double Double! It powered me through the next few hours of my shift!

I purchased chocolate and some snacks on my breaks it cost $9.45.

I clocked out and hopped in my moms car. We went to pick up Jordan to drop her off at her bus.

We drove her and when we got there the bus was FULL and the next bus would come in like 20 minutes. So Jord told us to leave because she didn’t want us to wait. She called me and said the bus was going to be like an hour late. So I told her I would grab her headphones (which she had forgotten at home) and bring them to her.

I hopped in the car, got home, grabbed her headphones and zoomed to her.

Jord got in the car to warm up and we sat until her bus showed up.

I said goodbye and drove to my moms.

My mom ordered pizza for us for dinner. I chilled for a bit and watched the latest episode of Rupaul’s Drag Race UK.

After the show finished we talked with my sister Nicole who had shown up and then my mom dropped myself and Adrian off at my grandma’s.

Adrian and I played a game of NBA 2k20 and then played some overcooked.

We threw on the new Green Eggs and Ham Netflix Original and chilled until bed time.

Saturday

Woke up this morning and had some breakfast with Adrian and then played some more overcooked.

We then moved on to Beyblades and after a thrilling tournament that ended in a double disqualification final (due to Adrian’s favourite Bey losing) we both got cleaned up and went on an adventure.

We walked over to Shoppers Drug Mart to buy bus tickets, I spent $44.80.

We talked to a few of my coworkers and then walked to the bus stop.

We rode the bus to the mall and hopped off. We made our way to every store that had toys and looked around.

My mom got off work as we were arriving at the mall so we met her at Toys R Us.

I spent $7.90 on a pack of Fortnite Mighty Beanz for Adrian.

We looked around a few more stores then we made our way to Popeyes Chicken and mom treated us to lunch.

Mom drove me back home and she picked up Adrian’s stuff. Shortly after my sister Nicole texted me asking if I was doing anything.

She picked me up and we headed to the mall, we made a quick stop at the pet store which cost me $71.20. We grabbed a Starbucks and walked around for awhile. I bought some gifts while I was there. The total cost was $56.30.

We drove to my moms and hung out for awhile. Nicole left and then not long after I went home with my moms car.

I got ready and went to bed! I was SO TIRED AND OVERSTUFFED WITH FOOD!

Sunday

Woke up and got ready for work. I drove to Tim’s to grab a coffee for my manager Roxy and I. Cost me $10.25.

After I ate my breakfast sandwich I went to work. It was a fairly simple day at work just making sure all the bad food was out and all the new food was in.

I hopped in my moms car and raced home to get changed. I grabbed my stuff and went to pick up my mom and Adrian.

Shortly we were on our way to Kingston to visit my sister Jess. When we got there we went to this restaurant called Coco Frutti. It is delicious but man it is filling.

After lunch we dropped Jess off and we went to Costco. We navigated our way through the sea of humans and exited the store unharmed with our purchases in hand. Total spent was $70.70.

We left Kingston and went to pick Jordan up from the bus stop since she had just gotten back into town from her weekend away.

My mom drove us home and we tidied up around the house, chilled for a bit, had a grilled cheese and then went to bed.

Recap

This week did not go as planned. I had a few things come up and they boosted my spending, my cats destroyed my phone charger so I had to get a new one and that cost $70 and the cats ran out of food at the end of this week so that cost $70. I did also use my debit card all week.

So I have vowed to go to the credit union on Tuesday and pull out cash and get back on track.

Here is a look at my spending:

Week 13 – Holiday Adjustments

Hello everyone who’s stuck around and anyone who has joined along the way. I want to thank all of you for reading and helping me keep up my good habits!

I have been able to accumulate a great amount if savings since implementing my $140 cash budget and I’m super happy with the results so far.

I’ve decided to share my progress with you every 3 months. So… drumroll please!!!!!!!!

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……

……..

To date over the last 12 weeks I have saved $4000!

This is super exciting for me because I’m nearing a total that I’ve never had in my account that consists only of money I earned and not loans!

We’ve got around 8 weeks left in this year and I’m hoping I can at least do another $2000.

Keep an eye open for the new years update! Alright now for week 13!

Monday

Today I worked a fairly easy going 7:30-3:30 shift. Did some supervisor training and worked some food.

I spent $10 on salads and my lunch. And then I spent $10.25 on epsom salts.

I got home and I talked with my aunt, my grandma and Jordan for a bit.

I went downstairs and got ready for the gym. I worked out for an hour or so.

Came home and talked with my grandma and Jordan for a while and then I went downstairs.

I took a nice bath while watching supergirl and then went to bed!

Tuesday

Woke up shortly after Jordan went to work.

I picked up my guitar and watched a youtube video. I learned how to play the E Minor chord and the A Suspended 2.

I’ve decided to use one of my notebooks to write down all of the chords I’ve learned with diagrams and legends so that I can look back at it and play chords without searching up old youtube videos.

I made some breakfast and got ready for work.

I worked 10am to 5pm which is only a 7 hour shift but for some reason if felt fast and really slow at the same time. I wasn’t feeling great near the end so maybe that had something to do with it… I’m not sure. When I left work I decided to make a pretty big purchase since I haven’t really treated myself to anything substantial lately. Now I didn’t make the purchase blindly, it was a special points day; Spend $75 and get 25,000 points (Equivalent to $25 in-store dollars) so I ended up spending $93.40, I got pumpkin spice cheerios and NBA 2k20 for the PS4. I have bought the game every year since just before going to college and I do enjoy it a lot so I figured this year would be a test to see how much use I get out of it and if it wasn’t a good purchase I will not get it next year.

When I got home we got ready because my grandpa was going to pick us up shortly. We went over to my grandparents house for dinner. My grandma made a goulash with a caesar salad, it was delicious!

We had a really great time catching up and talking about all things new. I really love getting a chance to talk to all of my grandparents because of the generation gap the conversation and the humour is much different than everyday conversations with people my age. I really appreciate the time I get to spend with them.

My grandma sent us home with the leftovers and my grandpa drove us back!

When we got home I popped in my new game and allowed it to update as I nodded off on the couch. It should be good for me to play tomorrow!

Around 12:30 I went to bed.

Edit: I’m adding this to shame myself, I made two Paypal purchases equalling $6.49 which totals to $12.98.

Wednesday

I woke up and hopped in the shower, grabbed my laptop, my guitar and attempted to learn a little more before I work today at 10am.

Work was, well, work. Today was quite a day. Everyone was having an off day.

I left work and bought a Starbucks pumpkin spice latter thing and some Reese’s trick or treat candy. I spent $13.05.

When I got home Jord was making cupcakes for work the next day.

At about 5:40 my sister Nicole picked me up and we went out for a Pokemon go raid hour.

We hung out for about an hour, Nicole drove me to the dollar store where I bought icing sugar and litter deodorizer. I spent $10.80.

When I got home I started doing some laundry.

I played NBA 2k20 while each load was going. I can now recall why I loved the past games so much. I’m going to be playing this a lot!

After the laundry finished I went to bed.

Edit: today I made a purchase of $1.29 on Paypal.

Thursday

I woke up today and didnt work until 11!

I was able to chill, play my game a bit and practice some more.

Work was alright, pretty hectic considering it was a “super senior’s day” and Halloween.

Jordan, my mom, Adrian and I went out to this local haunted house, then went to the safety village so Adrian could collect some candy and then ended the night at the church where they have lots of fun stuff for the kids.

My mom dropped Jordan and I off. I chilled for a bit while Jordan worked on some stuff.

My sister Nicole stopped by for a bit and we chatted for awhile.

After Nicole left we got ready for bed.

Friday

I woke up and kissed Jordan goodbye. I ate a bowl of pumpkin spice cheerios and went to work.

Today was okay but also kind of a confusing day. On my lunch I spent $18.25 on halloween chocolate and chips… wow, whatta lunch. Aat 5pm I was on my way home.

I made us dinner and played some 2K20 as we waited for my mom to drop my brother off.

It was a pretty chill night. When my mom dropped my brother off we threw on Spongebob Squarepants: Sponge Out of Water and Adrian quickly fell asleep!

Saturday

We all woke up and we started to make breakfast. We had Pancakes, eggs strawberries and cottage cheese!

After breakfast Adrian and I had a full on Beyblade Tournament! It was pretty epic! I’ll drop a slo-mo video below if you wanna watch!

My mom came to pick him up around 12:30.

She went upstairs to visit with my grandma for a bit. Jord and I had lunch and chatted for a bit.

I decided to go hangout with my mom and Adrian to give Jordan some time to finish something she’d been working on.

I went over and I played my guitar for a bit, I taught Adrian some wrestling moves, and we watched Total Drama Action.

My mom had me over for dinner and we had some delicious stuffed peppers.

She told me I could borrow the car for the night because she didn’t want to drive me home. I stopped by Wal-Mart and bought part of someones gift which cost me $72.25.

I got home and looked over Jordan’s work for her, we had a glass of wine and then went to bed a bit later.

Sunday

Thank the lord for daylight savings! The clock fell back and I slept for a bit longer than I might have!

Woke up to my fat cat meowing at us to feed her. So eventually I got up and fed them.

I chilled for a bit playing 2k and then eventually Jord and I went out to run some errands.

We stopped at the mall and bought some gifts, the grand total was, $95.25.

Then we went to walmart and finally we went to my moms for dinner.

We ate some butter chicken and hung out for awhile and then headed home with Nicole and Stephen.

When we got home I wanted to wash my uniform so I threw in a load of laundry.

At around 12:45am I was able to go to bed.

Recap

Okay, so here’s the deal. It’s now November, I love Christmas and I love giving gifts. I am NOT going to be able to fit everyones gifts into my budget of $140 a week. SO what I’m going to do is, I’m going to give myself a $140 a week budget for me. Then I am going to give myslef a $100 – $200 flex budget for gift purchasing until I have all gifts purchased. I am close to being done but the last gifts are always the hardest. SO hopefully the extra budget won’t last much more than the next 3 weeks. Now the rule of the flex budget is that it may only be used to buy gifts for others FOR CHRISTMAS/BIRTHDAYS that are engulfed in the holidays.

Now that we’ve clarified lets take a look at my budget breakdown.

I also added my Paypal spending in here because I have this terrible problem with spending money on video games so I think I’m going to delete all of my phone games and take my Paypal and whatever other payment methods I have off of my phone and my game system.

Me doing videos.

So as a lot of you probably know, I’m a film graduate from Humber College and I am currently doing nothing in film (GREAT SUCCESS) However I really want to. I miss everything about it, the acting, the videography, the editing, the late nights, the long days and the comradery.

Now I won’t get all of those things BUT I have been highly debating restarting my Youtube channel with a fresh, less trend follow-y feel. If anyone would like that or even consider watching my videos PLEASE like this blogpost, Not the facebook link, the blogpost.

I may do it either way but I really wanted everyones opinion.

Week 12 – Ramping up Your Savings!

This week I’m challenging myself by spending $20 less than what I usually do.

I’m in the latter half of saving for the big purchase… a car! So I’m really trying to save as much as I can. I’m monitoring my out and in a lot closer than I ever have.

I’ve downloaded an app that helps me track my money in all of its locations and forms. Whether it be my bank account, credit union accounts, my 2 credit cards, my cash and my loans, I can throw it all into one app and it tells me exactly what I need to know.

The app I use to manage my funds is called Money Manager and I have it for Android. The app logo is a red square with a piggy bank in it (If you’re wondering!). I do highly suggest this! I got the idea to use one of these apps from my mom!

Let’s see how my week goes!

Monday

AHHHH, last night and yesterday I was so sick, I woke up this morning still feeling terrible. I didn’t go to work. I stayed home to hopefully cure whatever illness was occurring.

I popped Advil cold and sinus, drank lots of water, laid under blankets and was lazy all morning. Come 2pm I was feeling quite a bit better. My temperature had dropped a fair bit!

By the evening I was pretty well back to full health.

Today was also election day! So I borrowed my moms car and zoomed out to cast my vote!

Not going to lie, watching the live results was quite disappointing. I’m hoping in the next few elections we can break out of old habits and try something new… if you know what I’m saying.

I had to work in the morning so off to bed I went!

Tuesday

This morning I was a bit too lazy as I worked later than usual, 7:45am!

So lazy I forgot to eat… I rushed into work on an empty stomach and a coffee.

Today I was training to supervise! It was a great experience learning the ins and outs of opening the store.

I went on my lunch and spent $13.45 on food and tickets for some draws!

The draws are for Raptors tickets and Habs tickets!

After work I went to the dollar store to grab cake mix for the cupcakes Jordan and I are making for the bake sale at my work! It cost $4.55.

I stopped at Dollar Tree to grab a snack as I hadn’t eaten much, it cost $2.65.

I went home and Jordan and I had dinner!

I got ready and headed out to the gym. I worked out for about and hour. I missed the bus home so I decided to go to McDonald’s for a late night meal! I spent $13.40.

I caught the bus home, hung out a bit and went to bed.

Wednesday

Today was weird! I woke up at 7am and had nowhere to be! I spent the morning chilling until I eventually took a shower.

I baked a bunch of cupcakes for the work bake sale, chocolate, “White Cake”, and rainbow chip!

It was the first time in over 2 months that I would be working a night shift. I was working 2-10.

It was my second supervisor training shift. It was a little more hands on this time. Super good shift!

On my lunch I bought Mary Browns which cost $9.80.

After finishing work I walked home, hung out with Jordan for a bit and then watched a new show on my own.

I had a tea and went to bed.

Thursday

Thursday started off fairly easy. I worked an 11am – 3pm shift and came home.

Jordan and I had some pizza and a few drinks and we were on our way to the Tyler Shaw concert!

Before we went to the concert we stopped at this nice little wine bar called The Lark (If you like wine of beer, YOU SHOULD TRY THIS PLACE!).

Drinks at the Lark!

I had this awesome sour beer.

After we finished our drinks we went to the Empire Theatre for the show!

There were 3 acts, there was Craig Stickland, Neon Dreams, and Tyler Shaw of course!

Here’s some pics from the show:

Neon Dreams.
Tyler Shaw.

The show was really awesome! It was a fairly affordable night out on the town.

I spent about $40 on drinks.

After the show we were able to meet Neon Dreams and Craig Stickland.

Meeting Neon Dreams. (Yes a picture of me!)

Friday

I woke up and worked a 7am – 3pm shift. I was working food but also training for supervising again.

It was a good day at work I’d say.

When I got home Jordan was just getting home and we made breakfast for dinner!

Jordan suggested that we have my younger brother over for a sleepover!

I called my mom and about an hour later she dropped Adrian off!

Adrian and I played Beyblades for a bit while my mom and Jordan chatted.

We packed up the Bey’s and Jordan made us some hot chocolates and popped some cookies in the oven!

We turned on Halloween town and chilled for the rest of the night!

Saturday (RHYTHM + FLOW SPOILERS AHEAD!!!)

Jordan woke up and went to work. I spent a few hours in the morning with my brother watching Total Drama Island!

I then had to get ready for work. I worked a short shift 11am-3pm. It went by nice and smooth and I was able to head home right after work. Before I left I purchased a Santa Jack Skellington Funko Pop! It cost $11.85.

When I got home Jord made broccoli soup and I tossed in a pizza.

We put on Rhythm + Flow and finished the whole show! It was so good! D Smoke was the fave to win and undeniably so, he ended up coming out on top (SPOILER!).

After finishing the series, Jordan started cleaning up so I chipped in with a bit on the chores.

Sunday

Today is a lazy day… but we need groceries and we need to do a little laundry.

I got out of bed a bit before Jordan so I watched the newest episode of The Flash.

I cleaned some dishes and made breakfast for us.

We chilled and ate and then it was time to get ready for a grocery trip.

Jordan wasn’t feeling well so I grabbed a bag, my backpack and the trolley cart we have and I was on my way for a solo grocery shop.

It was probably the grossest day, weather-wise we’ve had here in a long time, whipping winds and torrential downpours.

Bus thankfully I didn’t have to be outside for too long. The shop didn’t take long either as Jordan so thoughtfully concocted a list for us.

Only issue I had was when I was all finished the bus wasn’t coming for about 30 minutes so I bought a nice warm coffee and stood waiting for the bus. The coffee cost $2.

When I got home we put the food away and we started making dinner. We turned on Lucifer while we ate our nachos and later went to bed.

Recap

All in all, I believe this week was a positive one. I under spent and I’m on track to save about $7500 by years end.

Jordan and I also had a good conversation about how much we actually need a car and have decided that it’s honestly better if we rent a car for the holidays and wait on buying a car. Our hopes are to save as much as we can, get our school debts down and hopefully move closer to the city so that I can potentially start working in the field I went to school for.

With all that being said I totally think we are finally on a steady track and things are looking good.

Next week I will touch a bit on planning ahead and how that can help with your savings!

Thanks for reading, hope you enjoyed! Please share with friends and family and come back next time!

Here is my breakdown:

Week 11 – Recovering from a Holiday!

After the Thanksgiving weekend I had a few thoughts. I had talked to my partner (who is my girlfriend) oh my gosh did he just say girlfriend? Yes and here’s why:

I have been writing in a very generic way that conceals mine and any included in my blogs identity as well as locations. I’ve come to realize that even with my greatest attempts to do so I have failed in minor ways. But I also realize that I can connect with my readers in a much more meaningful way if they know who I am, where I’m going and what exactly I’m doing.

That being said, none of the pictures I post of people will be posted without their consent. I just want both you (the reader) and myself to have the best time with these blogs.

I’ve also noticed that although I claim to be a pseudo finance/lifestyle blog I’ve been leaning towards the lifestyle a bit too much and not relating back to my experiences saving/spending money.

So this week expect a brand new blog to go along with my brand new website layout!! Shoutout to my girlfriend Jordan for the suggestion!

Alright

Monday

On Monday morning we woke up and had a bunch of carbs. Some croissants and cinnamon buns!

Later in the afternoon Jordan’s mom drove us to the via station. We hopped on our train and spent the next 4.5 hours heading to Toronto’s Union Station.

When we arrived we had to switch trains and about 2 hours later we were in Oshawa.

My mom was supposed to pick us up from the station at 7:15pm, but traffic was backed up! She arrived around 8:30pm. We drove home and went to bed shortly after as Jordan and I had to work early the next morning.

Tuesday

I went to work for 7am. The day was steady and went by quite quick.

My manager wanted a coffee from Tim’s so I walked over on my lunch. I ended up buying food because I didnt have time last night to pack a lunch. I spent $12.10.

When I left work I grabbed some groceries and it cost $24.90.

Jordan and I had dinner, watched some Lucifer and then went to the gym. We did some cardio and abs and went home.

We had some protien and chilled out for a bit then went to bed.

Wednesday

I woke up this morning shortly after Jordan. I went to take a shower and because Jordan usually puts on a bit of makeup before work I thought, “hey, let’s open the window so the mirror doesnt fog up.” Well, I forgot one little detail. The alarm system goes off as soon as a window opens.

WEOOWEOOWEOOW!

I swear I’ve never booked it up those stairs faster than I did when I heard that noise. Like 1 second and it was off.

I hoped I didn’t wake up my grandma but I believe I did and for that, I apologize.

I left for work and was running a bit behind. Today was weird because there isn’t usually a ton of stuff coming in on wednesdays so I get a chance to work all of the food that’s already in our back fridge out to the sales fridge. But we had a little freezer scare reminiscent of last Thursday.

Thankfully it was just in defrost mode.

On my lunch I grabbed a coffee and a sparkling water, it cost $4.95.

I clocked out and purchased some food for home, it cost me $15.70.

When I got home I made some banana muffins for the bake sale at work. After they finished I did some dishes and got ready to go out.

My sister Nicole picked me up and we went out for Pokemon Go raid hour. It was alright, kinda sucked that it rained but we got through it.

We stopped by after to see Nicole’s partner Stephen and chatted for a bit.

Nicole dropped me off at home, I talked to Jordan for a bit about the new water serving fountain thing she bought for our water bowl tossing cats.

Here’s a pic:

My silly cat meeting his new water fountain.

After this scenario faded off a bit Jordan and I had a salad, watched Lucifer and then went to bed.

Thursday

I woke up and Jord was making pancakes! We ate and then we both went to work.

My day was alright. I did however end up buying a banana cake with cream cheese icing from our bake sale for $3. It was soooooo good but man it felt like I had a concrete block in my stomach after.

I also donated $10 and recieved 6 tickets for a draw to win a tv.

I finished my shift. On my way home I bought 6 avocados for $2.95. I forgot chips so I stopped at the convenience store and spent $9.60 on Tostitos.

When I got home Jordan made us burritos and I made guacamole! We ate and then watched a bit of Big Mouth.

We got ready and went to the gym for about an hour.

When we got home we chilled for a bit and then went to sleep.

Friday

Work was pretty chill, I worked in the fridges ALL DAY, 8 HOURS! Organizing the mess of a single serve refrigerator we have.

It looks great now! Just have to get some new product to fill it up.

While I was working my mom came in and we talked for a bit about this pumpkin thing we are planning on going to!

On my lunch I was hungry after eating what I packed so I went to buy pizza for lunch, I spent $4.75.

After work I bought some gum which cost me $5.60. I came home and had a salad and chicken fingers with Jordan.

I kind of wanted to get out of the house so we decided to go on a late nigh starbucks journey.

Pumpkin scone, yum.

Of course I got a pumpkin spice latte and a pumpkin scone!

We had a bit of time before the bus came so we went for a nice little walk and finally caught the bus home. We chilled and went to bed.

Saturday

Woke up feeling… meh.

I was so lazy this morning I cooked one egg in the microwave and just doused it in ketchup for breakfast.

I got to work and worked on the single serve fridge for a bit again.

We were expecting a dairy and a fresh food order. Milk is supposed to arrive at 7:30 and fresh around 9:30.

BUT OBVIOUSLY THEY BOTH SHOWED UP AT THE SAME TIME.

Making my morning/afternoon stressful. The thing that stresses me out the most is that the food has to be refrigerated so the longer it stays on the floor the worse! But working 5 skids alone as well as recieving it all when you have like 15 different invoices is hard too.

Everything got done though so it’s all good.

After work I bought some groceries and spent $43.35. I walked home and chilled with Jordan until my mom came to pick us up. We were on our way to Morrisbourg to check out Pumpkinferno at the Upper Canada Village.

Essentially it is just a huge pumpkin display. It was a great time, here are some of the exhibits that were there:

Unicorn made out of pumpkins.
A hockey game made out of pumpkins.
A space scene made out of pumpkins.
Several types of dogs made out of pumpkins.

We got home late and went to bed shortly after.

Sunday

I woke up and took a bath. I got dressed, started doing some laundry and all of the sudden I felt SOOO cold. I was shivering out of control.

I covered up, and for the whole day it was Hot/Cold, Hot/Cold. I had a temperature of 103 F. It was awful. I laid around and watched a bunch of tv and we watched Halloween Town.

Sunday really wasn’t eventful at all aside from feeling like I was dying.

Going Cashless this week.

This week I was somewhat forced into going cashless when usually I go cardless! The holiday plus our full day of travel took away my one day that I usually get my cash. Then the remaining days were pretty filled up.

All in all the experience of using only cards again was freeing, yet scary! I have no indicator of how much money I had left in my budget except if I were to check my bank account/credit statement.

I definitely would suggest if you’re going to do a cash budget, TRY YOUR BEST TO GET YOUR CASH! The whole week I felt as though I was going to over spend. It was a terrible feeling.

I am going to do my best to get to the credit union to withdraw my budget cash! I’m also only going to use $120 this coming week.

Take a look at my breakdown below! Thanks for reading!

Week 10 – Thanksgiving is Coming!

Monday

I woke up for work today… because I asked for the weekend off I had to come in Monday instead.

7am start time and I spent the first 2 hours rifling through 200 bags of mandarins to get rid of any bad ones.

Then I spent the rest of the day working in the freezers… which I despise.

But all in all my day wasn’t terrible.

I went to the credit union after work to get my money for the week! I ran into my stepmom which was a nice surprise! We talked for a bit and I headed to the corner store to pickup garbage tags, I spent $9.50.

I went home and my partner was making dinner! We had acorn squash filled with rice, sausage and veggies! It was good!

After watching some Big Mouth, we went to the gym! We worked out for about an hour and went home.

I washed some dishes, packed our lunches and went to bed.

Tuesday

Woke up for my 7am today and was all prepared so I wasn’t rushed. I took out the garbage and walked to work.

Today was rough because our orders got all messed up as the senders gave us our orders for the next month and a half all at once so our numbers were all off.

When I got off I went home and had a tea with my partner.

I went to the mall to do some shopping. I bought a gift for someone that cost $17.30, and I bought 2 Halloween movies for my partner. Those cost $22.60.

I ate dinner at the mall which cost me $10.35 and then I grabbed a dessert and a coffee which cost $3.75.

When I got back home I talked with my partner for a bit and then we went to bed!

Wednesday

Worked 8 hours today, felt like 2. But glad to be done.

I went home and I made dinner for my partner and I. We had chicken burgers with grilled onions and some broccoli.

We went to the gym for about and hour and then hopped on the bus to come home.

We stopped at the store before getting home to buy some baking supplies because I decided to bake some treats for a bake sale fundraiser at my work.

We got home turned on Hocus Pocus and started baking. We baked until 11pm and then hit the hay!

Thursday

Ah, Thursday. The last day of work for my partner and I before Thanksgiving!

I walked into work with my treats for the bake sale and I was ready for a relaxed day.

HA! WRONG! It was one of the worst days I’ve experienced at work yet.

We sell frozen food at my store so I was doing the regular temperature checks when I noticed one of the freezers was a bit warmer than normal at -6. Then I noticed it was getting up to +4 degrees

We had to remove everything from 10 of our freezers! It took SOOOOO long. On top of that we received our milk order and food order all at the same time. All this happening on one of our busiest days (senior’s day).

I was ready to get home after a long day of chaos.

I bought some food with cost $2.45 and walked home.

My mom called me and asked if my partner and I wanted to go to Walmart so we said what the heck.

I spent $16.20 on beer and snacks.

Then we went to McD’s and I bought a meal for $11.95. They are doing Monopoly and I won a 14 day Xbox Game Pass if anyone wants it (don’t have an Xbox lol).

We came home and threw on the first episode of Riverdale season 4.

We ended up watching the first 3 episodes of Rhythm & Flow on Netflix while we did some chores! It was actually a really good watch!

I packed and then we went to bed!

Friday

Woke up and got picked up by me mum!

We got on the road to the first transit station! We arrived about an hour and a half later. We hopped on the train and were headed to the second train station.

When we got there we stopped for some food! My partner bought us each a coffee and a breakfast sandwich at McDonalds, I won some sweet prizes again on the monopoly. We got in line for the train and boarded shortly after.

We got moving and I made some adjustments to my website!! (Have you noticed?)

After 3 and a half hours we arrived at the final train station! My partners mom came to pick us up and we went to my partners parents house.

We had some pizza and wings for dinner and watched my partners sisters hockey game, hung out and went to bed.

Saturday

Woke up and went downstairs to have breakfast. We hung out for a bit and then my partner, their mom and I went for a walk around the town to all the local shops. We ended up buying some Christmas gifts, in total I spent $40.60.

She walked home and my partner noticed that a screen protector they had bought was broken. So their mom drove us back to the store to return it and we decided to go to a few more stores and we got some more stuff.

When we got home my partners mom made dinner for everyone, chicken, potatoes and salad. It was delicious.

We watched a few comedy specials with my partners parents and then we headed to bed.

Thanksgiving dinner tomorrow!

(Thanksgiving) Sunday

We woke up, had some breakfast and got ready for the day!

We made our way to the local fair and met up with my partners brother and his girlfriend. This place is awesome. They have so many different things, it’s just really nice to walk around!

They have some sweet pepperette variations if your into meat! I spent $50 on some of those.

It’s honestly a really nice fair, there are lots of vendors and food trucks and there are rides. It was very, very fun

After the fair we went over to my partners Aunt’s house where we had thanksgiving dinner.

Wonderful turkey, ham, vegetables, mashed potatoes, stuffing. The whole shebang.

After dinner we all chilled for a bit and then headed over to this place called Reapers Realm. It has haunted bus rides and a few haunted houses. It is really cool!

We ended up getting VIP passes so we got to skip the line and ride/walk through faster.

It honestly is a really cool experience, super creepy but very entertaining. Wish I was allowed to take pictures so I could show a little bit but I couldn’t.

We gathered our belongings and we went home, had some snacks and went to bed.

Breakdown

Here is the link to my weekly spending breakdown. Those dang pepperettes put me over budget. I am honestly happy with the outcome of my thanksgiving weekend spending because historically, this could have been eons worse. I was only $44.70 over budget.

A Breakdown

Hello there. It has been brought to my attention that some of the ways I’m able to save money, or some of my “benefits” have not been clearly established.

As well I have revamped my saving method slightly. So I have decided to dedicate this post to fully analyzing and breaking down my saving method so that people in different financial situations can tweak it to fit their needs.

Okay, so I will break down every perk that I recieve currently and then breakdown my personal saving method and then finally outline how someone in a different situation could utilize these tools for saving.

My Situation

I just graduated College. So naturally I owe some money – $14,000

I have credit card debt from school as well – $2000

I pay $75 a month for utilities in my current living situation.

and then I have some smaller costs (Spotify, gym membership, etc) that come out of my accounts monthly.

The Perks

So I am super lucky to have people in my life that are willing to help me out.

First and foremost, my grandma is allowing my partner and myself to live with her for a bit while we start our careers and save money. This saves us each between $500-$1000 a month. So let’s call it $750 saved. (Shoutout Grandma!)

My mother helps me out by covering certain things for me, My phone bill, and she supplies the Netflix for everyone aha (Thanks Mom!) This saves me about $100 a month.

And lastly my partner lives with me so anything that we spend money on there is a good chance we’re going halfsies on it, things such as entertainment, and groceries.

There are always other ways people help me but these are the set in stone ones.

Expected Earnings (Weekly)

  • Income #1 – $400-$500
  • Income #2 – $20-$40

Total = $420-$540

What I Do

So what I do is I go to the bank and withdraw $140 on Monday. This money is intended to last me from the start of Monday until the end of day on Sunday.

I break my money down into four $20’s, four $10’s, and four $5’s. This is likely just a personal thing but I find it helps with spending if I’m going out and don’t think I need to bring $20, I have the option to bring a $10, or a $5 instead of allowing myself to be equipped with $20 for no certain reason.

I categorize my money into 3 categories which you will have noticed in my last few posts. These categories are; Grocery ($50), Entertainment ($50), and Misc. ($40). This allows me to have an idea of how much I should be spending on certain things but also allows me to buy things I want (within reason).

Breaking it Down Differently

So the #1 thing to note when analyzing my saving method is that it is broken down into a weekly amount. So for a month you can break it down into fourths ~ because months are around 4 weeks.

GOAL

First you would want to figure out what you’re saving towards , for this example I’m going to say it’s a car between $5,000 and $10,000.

EXPENSES

Now you breakdown what your expenses are:

ExpensesCost (Monthly)
Rent$700
Utilities$100
Phone$80
Wifi$70
Credit Card$150
Student Loans$330
Misc (Music, Gym, etc.)$100

Total = $1530

So now you have a total for your fixed monthly expenses. Break it down to a weekly number: $1530/4 weeks ~.

Weekly Total = $383~

INCOME

Say you work 2 jobs part time 20 hours per week, one at minimum of $14/hr and the other slightly higher at $15/hr. And we’ll take out a small amount for taxes and stuff.

  • Income #1 = $1050
  • Income #2 = $1100

Now add these up and divide it into a weekly number, $2150/4 weeks ~.

Weekly Total = $538~

Now comes the tricky part. You have to figure out what you have left over and decide what you’re going to spend on entertainment, grocery and have as a Misc/backup.

So we know that weekly, your income is $538 and your expenses are $383.

To figure out your leftover just take your income and subtract your expenses like so, $538-$383 = $155.

If you are a single person you should be able to get away with spending no more than $40 a week on groceries, Entertainment you can sit at $40 as well, and then your misc can be somewhere around $20. Now you have a budget of $100 per week.

When you look at it week to week $55 dollars doesn’t seem like a lot. BUT when you start to add it up you could save $2860 in just 1 year.

And this example is based on an individual who has a lot of bigger expenses when compared to their income.

If you adjust this to someone who is working one full time job at a rate of say $27/hr and you keep the expenses virtually identical this is what it could look like:

$27×37.5 hr/week = $1010~, and I’ll even take off 15% for taxes and such which will bring us to $880~.

Then we take away our $383 in expenses per week that we figured out earlier, that brings the sum to $497.

This means before you decide on your categories and allotments you have almost $500 left over per week.

Now let’s say that you are going out a little more and you’ve decided to buy cashew cheese instead of the dairy stuff. We’ll bump that spending allotment to $80 (Grocery), $80 (Entertainment), and $40 (Misc/Backup).

That is double what our last person was spending at $200 per week. Now if we subtract $200 from our leftover of $497 we are left with $297 per week, meaning you could save $15,444 in a single year.

That’s a lot of money and I think it is totally doable. I believe the keys to this method are as follows:

  • Limit Debit/Credit transactions (Use Cash)
  • Practice Will Power and Self Control
  • The Breakdown (Week by Week)
  • The Build up (Yearly Savings Potential)
  • Belief that you can do it

With all of the above said, I honestly don’t believe there is any ONE PERFECT method to saving, but in my life up to this day I have been most successful using this method.

I believe there is a clear mental similarity when it comes to budgeting and dieting. That is why I’ve called my journey The Money Diet, because I am trying to overcome my laziness, practice will power and stay on track. The biggest problem I believe people have while dieting is the constant fad approach of trying new hip diet trends and this is also very common when budgeting. Think of the “52 week budget”, 50/30/20, 80/20, the zero sum budget. I think it is more important to find a reason to save and then find a method that works for you. I’ve saved a bunch using my current method. I attribute my success with this method to the things that are motivating me, not entirely the method itself.