Categories
the money diet

Week 9 – True Redemption.

I woke up Monday at 7:30am. I had a nice breakfast and watched some Dragon’s Den as I finished last weeks blog post.

I made a list of things to do, and I set out to get them all done. (hopefully.)

I got most of it done by the end of the day!

I got home from the bank just after my partner got home from work. Soon I was making dinner. We ate and then left to catch the bus.

We went to the gym and worked some chest, triceps, and shoulders. It was a good workout!

We got home, indulged in some protein, showered and went to bed.

Tuesday

So big news, all of my shifts have been regulated to a single time. Instead of working 6am-2pm, and 7am-3pm on and off I will be working 7am-3pm straight through! I GET TO SLEEP IN!

Work was hecking busy, so it flew by like a plane.

When I got home I started making dinner for my partner and I. They got home about an hour after I did and we ate shortly after. I worked on some things while we watched Lucifer.

My partner and I did a workout together then got ready for bed!

Wednesday

Today kind of dragged on a bit… work was slow and I was tired!

I bought some lunch which cost $4.80 and some groceries after I left which cost $15.95.

My mom came into my work today and asked if I would help her pick up some couches.

So we rented a cargo van, and my partner and I picked up 2 couches and a chair for her.

The seats were for the basement of my moms house which is turning into my brother’s play area. He was super excited when we brought them home.

My mom dropped us off and to our pleasant surprise my grandma had made some tasty treats for us! We went downstairs and did some meal prepping.

We watched some Lucifer and were off to bed!

Thursday

Woke up for my shift and it was fine! Everything went smooth, so no complaints.

I bought lunch at work and it cost $4.25.

My partner met me after work and I bought some groceries. The total was $16.50.

We walked home and I made dinner while my partner went out to run an errand.

When they got home we ate a “flatbread pizza” I had made.

We headed to the gym for about an hour and then we stopped by the store on our way home. I spent $20.90.

We went home and went to bed.

Friday

Work was FINE *he says as he walks to his room and slams the door*

Work was rough, for real. We had so many juice spills from faulty cases in today’s order. Everything just happened at the same time, it was a mess.

After work I got home and talked to my grandma for a bit. I then went and sat for a moment.

After sitting my partner got home and we started making dinner. I had a chicken burger and they had pasta with meatballs!

After dinner I hopped on the bus and went to the gym! It was a good work out, trying to keep at it and not lose momentum!

I caught the bus home, showered, had protein and went to bed!

Saturday

I went to work for 7am. It was a busy day. I was ready for 3pm and my dad came in. I clocked out of work and talked to my dad for a bit.

He dropped me at home and I got ready to go to Oktoberfest with my partner!

It was a great time! I spent $30 on beers for the 2 of us. We ordered a pizza and ate the night away!

Sunday

Since we went to bed so early we didn’t waste any of our day! We woke up around 830am and had some pancakes and then did some tasks around the apartment.

We put new screens in our windows, did some laundry, tidied under the stairs among other things! Quite successful!

My aunt and cousin came by to see my grandma so we went and said hello!

We went out to buy some fruits and vegetables from the store. I spent $25.

We came home and my partner made a delicious salad for us! We watched Lucifer than got ready for bed!

I feel good about this week! I still have money left over and I still had a fun time!

Here is a breakdown of my spending!

Categories
the money diet

Week 8 – The Bounce Back?…

Last week was a great week but unfortunately for my financials it was below average! Let’s see how this week goes!

Monday

Ah Monday, a day off. I slept in until about 11am and laid until 12n. I got up, showered, tidied a bit and then went up to see my grandma. We talked for a few hours and then all of the sudden my partner was home from work. The day is flying by!

We got to making dinner shortly and ate with my grandma, we made pasta and peas and my grandma made Pork Schnitzel and some sort of beet dish. It was all very yummy.

After dinner we all went out to pick up some things. We grabbed litter and cat food from the pet store which I spent $57 on. We went to a Walmart and picked up a few things. I spent $27 dollars there. We then went to the grocery store an my partner picked up some groceries.

My partner and I went downstairs and watched some Lucifer while I made muffins.

After my partner went to bed I worked out for about an hour, showered and went to bed!

Tuesday

I woke up and had breakfast with my partner before going to work for 6am.

Work was good, it flew by FAST.

I did end up buying some groceries which cost $10.60.

When I got home I began making tacos for dinner so my partner could eat before they went to work. We had tacos!

After my partner left for work I watched a buttload of Dragons Den and eventually started doing some chores.

I worked out for an hour or so, showered and went to bed.

Wednesday

So I have $45.40 left for Today, Tomorrow, Friday, Saturday, and Sunday. I have faith that I can go the week without spending anymore of my budget. This is because my partner and I have already purchased a good chunk of groceries. We have the cats food for at least another month, the litter for a couple weeks and I have no real plans this week.

But I’m not going to set a goal to spend $0 because things come up because life is unpredictable.

BUT I am looking pretty good. The only thing I have to resist is the urge to spend.

Anyways, I worked my 7-3 shift and went home.

When my partner arrived home we made dinner and watched some of Lucifer.

We had planned to visit my grandparents. After missing the first 4 phone calls from my grandma I quickly called her back. They picked us up and we went over.

They decided to make dinner so we were having 2nd dinner! It was delicious but my stomach felt like it was going to burst.

It was a really great time hanging out with them. They drove us home and I got ready for bed!

Thursday

Today I woke up after not getting a great sleep. I went to work and had a pretty great day all in all. On my way home I bought a bag of cheese curds for $3.25.

I came home and hung out with my partner for a bit before they went to their last shift at one of their current 3 jobs! (Talk about hard worker!)

I walked them to the bus stop and decided to hop on with them.

We got to the mall and I dropped them off and went around to a few stores.

I walked past the food court and got really hungry. I spent $12.40 on Taco Bell, instantly regretted it.

It was tasty, but it ain’t nice to my tummy, also not a necessary spend.

When I got home I did some chores around the apartment. I then worked out. After my workout I had a shower, a protein shake and hopped into bed in Hope’s of having a good sleep for my 7am tomorrow!

Friday

Woke up for work and had a great breakfast! French toast! I bought a Starbucks cold brew drink for $2.75.

Work was good, had fun changing over our sale items with my buddy Josh. I got off work and I bought a bag or Doritos for myself and a pop for Josh, it cost $3.55.

I walked home and had dinner with my partner. We watched some Lucifer, watched some hockey and then I worked out for a bit. I showered and went to bed!

Saturday

I slept in! Until 5am.

I had an okay day at work. Only a bit frustrating at times.

When I finished work I felt exhausted. My partner and I decided to get fish and chips for dinner and some snacks so we could have them while we watched IT. I bought the snacks, they cost $7.20.

My partner grabbed us some wine, made us a cute little fort and we sat down and watched IT. It was the first time watching for both of us. And as a film graduate I thought it was pretty good. As a viewer, also pretty good. I loved the contrast between scenes shot in day and night or light and dark. A lot of horror movies stray from lit scenes and aim to scare you in the dark the whole time. IT had some pretty creepy day time scenes as well as some heartfelt and funny moments!

After watching an episode of Lucifer we got ready for bed.

Sunday

This morning I went to Costco with my partner! It was a fun day, we spent money that we were given from my grandparents for cat sitting and then I covered the extra $13.50. We bought some groceries to cover us for awhile!

We stopped at a clothing store and I spent $5.65 on a t-shirt.

We stopped at a Tim Horton’s on the way home. It cost $19.80 for lunch.

When we got home we unpacked and I drove my mom’s car back to her. She dropped me off at the mall. I was meeting a friend.

I had made plans with my friend to go on a Funko Pop! hunt. We went to the mall and stopped by quite a few stores. He ended up buying 5 Pop!’s. I was searching for CHASE Pop!’s and I did end up finding one. Only thing was, it was the exact one I found last week! I spent $11.85 on the one and $16.95 on the other.

I almost got out of the mall without over spending… but then I saw something and I ended up buying a Christmas gift for someone, it cost me $77.65.

On the way home we stopped for a coffee, I spent $3.15 on a donut and an iced coffee.

At the end of the week I spent $132.30 over budget. (YIKES!)

This week really got me. I’m going to have to work hard the next few weeks to make that back.

Something to note for me though it that I won’t have to buy cat food next week and I likely won’t be buying a spur of the moment present. And even if I buy everything else I did I would only be sitting at $137.65.

So although I have missed the mark the last 3 weeks I believe I will get back on track next week as I have less expenses to worry about.

Here is a breakdown of my spending:

Categories
the money diet

My First Blog Post

What Am I Doing?

You must gain control over your money or the lack of it will forever control you. “

– Dave Ramsey

Okay so I have a bit of a mantra if you will, I like to say “Don’t worry about money, it isn’t something worth stressing over.” But let’s be real, everybody gets stressed about money, it’s almost inevitable.

To be completely honest, I believe any monetary stress we have is inflicted on ourselves by ourselves. Yes some things may impact our decisions BUT I still believe at least in my own case that ALL of my monetary stress has come from my own doing. That being said I am going to do my best to flip my stress into something great.

I have decided to start my own financial savings plan. Now I am not claiming this as my creation but I did think of this on my own.

I am attempting to save a LARGE portion of money so I can successfully fulfill my goals. Ah, yes, goals. I should first tell you what those goals are. OKAY:

  • Goal 1: Pay off my student debts (ugh)
  • Goal 2: Buy a car (Vroom Vroom)
  • Goal 3: Down Payment on a House (Holy, big plans)

Okay so now that I’ve established my goals let me tell you a little about my expenses and then we will get into my savings solution (Fingers crossed).

So here is a list of possible expenses and how much I am paying for them on average on a per month basis. Don’t hate me or shame me! OKAY:

  • Rent – $0 (Living at home, I know… lets just drop it)
  • Hydro/Electricity – $75 (See I’m not a total mooch)
  • Groceries – $250
  • Clothes – $60
  • Entertainment – $250 (Big spender)
  • Phone – $0 (I promise it was a gift!)
  • Internet – $0 (It’s not my fault!)
  • Miscellaneous – $150

Okay so if we added this up I would be a liar. I don’t know how close these numbers are but let’s say it is: $785. Thats how much I deemed NECESSARY to spend monthly. Now that doesn’t include all the random things and gifts I purchase.

So now lets go over what I’m bringing in on a bi-weekly basis (If this ever changes I will update it!) OKAY:

  • Work 1: $690
  • Work 2: $40

Okay so adding these together I have $730/2wks. So per month that is approximately $1460/month. now lets subtract what I have as expenses: $675 is what we have remaining, the only problem is if I were to have any damn expenses like rent, phone, internet or anything I’d be done for. This also doesn’t take into account my monthly loans payment that starts in November that is approximately $300 as well as paying off my giant credit card bill.

SO now we will dive into the saving method. I have gathered together a list of things I may need to pay for throughout the month and attached a weekly monetary value to them, OKAY:

  • Entertainment – $40
  • Grocery – $25
  • Bills (Hydro/Electricity) – $15
  • Clothing – $20
  • Toiletries – $10
  • Gifts – $10
  • Misc – $20
  • Total – $140

This is MY breakdown. Obviously not the only way to do this. I have taken the things that I deem most important and slapped a monetary value on them, note that it is much lower than my earlier estimates of my current spending habits. This is because what I was spending before was RECKLESS!

So number 1 thing to know is that my budget is a cash budget. So I have eliminated any other means of spending. I only carry a credit card with a super low limit just incase I get stranded or NEED something.

Here is a look at my budget in it’s physical state! It consists of 7 jars (Shoutout Dollarama) and the $140 separated accordingly amongst the jars.

Money Jars

My hope is to chronicle my day to day experience trying to stick to this budget. I’m sure there will be lots of ups and downs and weeks where I fall off the wagon. As much as this is just me going on a budget it will be 100% honest and unfiltered so if I F*#% up then you will know.

Thanks for joining in on the fun and hope you stick around!