Pay Day

Well, it's pay day today.... I try to have all of my automatic debits to various savings accounts, and visa payments come out on pay dates. That way, when I check my online banking in the morning, what I have is what i have. This works for the most part (except ING has a few days latency).Of course, you have to keep in mind all of your fixed costs that may come out of your account throughout the...

Updated $$ Sidebar

Hey there,I've updated the $$ lines on my side tracker there --->>everything has gone in the proper direction excpet for my planned spending, but hey, it's planned spending, i expect that to go up and down a bit...

Tax Time

I wanted to say a few words about tax time as well...I think I'm going to get a refund of around $1500... and it's ALL going to hit my Visa... i'm just waiting for a few more Tslips and it should be a go. I have to tell you, it's going to feel so very good to have such a big chunk of that credit card paid of...

Support

okay.. so i really really failed at keeping track of things.. so much so that last night I really felt like I was drowing.so i was talking to Jordan about this, and I wanted to relate the conversation to you. I think that support is one of the largest parts of setting goals and sticking to them. Having someone to support your goals and encourage you is a great step to sticking to your pl...

Okay... so I pretty much failed at keeping tack of things for the first week of February...I've got to rein in and get serious about this if it's going to work.The hardest part of keeping to a budget, is the tracking what i actually spend part - the hard part.So.. I think today, I will go to the dollar store, near where I work and buy an 'inbox' here I will put all of my recepts for each week, so...

Sticking to it...

okay... so I've owned up and made a plan. I don't think that there is any sense in making a plan unless your going to stick to the plan. To do this I'm going to create an excel sheet and track all of my expenses for February 2009. I will summarize the data each week in to my budget categories to show you the progress.I hope that things will be on track! If I underspend, I will push the excess...

Next Steps....

Yesterday I owned up to my debt and my savings goals, the good and the bad.I think that the next step to becoming debt free is making a plan to dig myself out. I have set out to develop a budget myself. I have built in a buffer in that I make a little more than what my total expenses add up to. This...

Referral Codes

I had someone ask about where I've hidden my referral codes on this blog. I hadn't actually posted any (exept for Swagbucks) ING Orange Code - 17396382S1SwagBucks referral link - Click Herei have burried this post to february, 2009 although it was written in august 2...

Owning Up

I think that the first step to clearing out any debt you may have, and planning for long term savings you first have to own up to yourself. This is what this blog is for me - owning up to my debt, and making the conscious choice to eliminate it.So.. here goes.My Alberta student loan is sitting at a 3% variable interest rate, I'm making payments at just over $60/month. My loan term is currently sitting...

Debt/Savings Meter

Wow! So after a night and an afternoon of searching I finally found what i was looking for. A sidebar meter where I can measure both my savings goals and my debt repayment progress! I will try to write some simple instructions for other new bloggers to use in the near futu...