Thursday, 4 September 2008

(Almost) Daily Tracking - September 3

I like that I'm actually beginning to understand this money stuff.  I have a LONG way to go, don't get me wrong, but I'm finding that I like to see that I'm saving a dollar here, a dollar there...

The past couple of days have actually been pretty good in the grand scheme of things and will save me a total of $40 a month or $480 a year.  Not insubstantial over the course of, say, 5 years: $2400.  That's a pretty good injection into an Emergency Fund or into debt repayment, so I'm really pleased with that.

After several attempts at phoning to try and cancel my video game account over the past couple of days and getting nothing but a busy signal, I ended up going on-line to do it this afternoon, so I am now video game free (okay, as of the end of September, when the current pre-payment expires)! Hurrah! :-)

Savings: $15/mth

I also had to speak with my credit union (which is still in Victoria) about one issue yesterday and while I was on the phone, the service rep suggested a different account type for me.  My current account is free everything, apart from visits to other ATMs.  Whitehorse has no credit unions, only the "Big 5" chartered banks, so everytime I use a bank's ATM, I get dinged $1.50 from one of the "Big 5" plus $2.10 per transaction from the credit union in Victoria (I thought the ATM visits were free, but apparently that's only true if you use other credit union ATMs...there's always something!).  Anyhow, those charges were costing me $10-$12 a month - I take my rent from the credit union account - and with the new account, I get 4 free withdrawals a month from a "not my bank" ATM for a flat fee of $5 a month, which will allow me to get my rent essentially for free!

Savings: $5/mth (approx)

I also deposited $28 in rolled coins into my bank account today, although I'm somewhat annoyed that as of September 1st, the interest rate has dropped by 0.75%! I've decided that I will put my Christmas gift funds into this account instead of saving for something radical, as it's not really an issue if I get a lot of interest on something like that.

My spending over the past couple of days looks like this.  Not bad, but I can still improve.

Aug 30

Baking soda (x2)
Muffin mix
Organic milk (2L)
Green onions
Organic spinach
Sliced ham
Sliced turkey breast
Total: $43.90

Sept 3

Freezer bags
Plastic wrap
Red pepper
Gala apples
Cat food (x 10)
Sourdough bread
Turkey fillet
Sm. apple pie
And...oh my! I was charged two cents each for two plastic bags, which I'll have to remember, as I am constantly forgetting to bring my own cloth bags (and I have about 6...).
Total: $24.66

And I am currently working on two lists: one is the 101 Things in 1001 Days, which sounds like an excellent challenge (and is actually proving to be one as I wrack my brain trying to think of things to add to it!) as well as a 50x50 list - 50 things I want to do by the time I'm 50, because as I'm past 40 now, a 40x40 list is moot! That's a lot of thinking to do...

And sincere thanks to Canadian Saver for picking me as one of her "I Heart Your Blog" faves! I will try to "pay forward" the favour but I'm so new to this, I haven't had a chance to read all the fabulous PF blogs out there yet.  This is motivation to start! :-)


Anonymous said...

You are doing soooo well, I'm so proud of you!!!

Canadian Saver said...

Wow, you are shaving off monthly recurring costs really fast! Way to go :-)

That is so neat, the 50 by 50 or 40 by 40... I'd never heard of such a thing!

Still working on my 101 in 1001 list, it isn't easy!!

I'm curious about the price of milk there... how much is a 2L of regular milk (non-organic)?