Saturday, 16 June 2012

Saturday update

I've updated my sidebars to reflect mostly positive changes this week!

EFund: CHECK!! I've hit the $1K goal for this already! I was able to add a little extra to get me to the goal a bit sooner, but now that I'm there I'm going to see how much more I can sock away before school starts.

RRSPs: No change (yet!). I'm going to leave them as they are through September, as I get two full paycheques then - my last ones this year - and I'd like to put away as much as I can before any changes take effect.

VISA: PIF June 13 - $0 balance!
M/C: PIF & cut up (card interest was 21.99% + $6 p/mo). I think I'll get my deposit back for this which, if I remember correctly, is $150.
(new) M/C: $100 balance, but will be PIF the first paycheque in July. (card interest is 5%)
LOC: $1300 (loan interest 6.5%)
Total debt: $1400

Car: need to make an appointment to get the ball bearing replaced (approx $300). I also need to remember I have to pay the 2nd half of the insurance at the end of July, too, and need $400 for that.

Tenant insurance: HAVE to do this Monday a.m. My landlady keeps asking.

School: Up a little to $2120. I'm going to see if I can get this to $2500 by the time school starts.

I have a roommate for two months which is so far going well. She's very nice, very quiet and we get along well, so I'm not hating it. I'm still adjusting, but it's not as bad as I thought it might be. It does help that she's a PhD student, so is busy and focussed on her work. I said right up front that if there's ever a time where I seem quiet or tetchy or grumpy it's not her, it's me. I'm just not used to sharing my space and I withdraw if I feel crowded or overly social. She totally gets it, but it's always good to say it rather than have people feeling uncomfortable or unwanted. It's a small space, so communication is important.

I had an extra shift yesterday, which is great. I don't usually work on Fridays and for some reason it felt like Saturday to me (although I don't work Saturdays, either). I had an early lunch so it made for a really long day, plus I had a thumping headache all day, too, which didn't help. I'm going in for part of the afternoon tomorrow, too, and will ensure that extra pay goes towards debt and savings when it shows up.

I've been riding my bike to work all week which has been great. I've enjoyed it and yesterday took the "long" way to work around the river trail, adding an extra 2.5km to the ride. It was sunny and quite warm, although a bit breezy, but it was a great way to start the day. I'm not even complaining that I have to ride home in the wind anymore, so I'm obviously getting used to it.

I have a dinner with friends tomorrow and lunch on Monday with another, so I'm looking forward to that. It's just a quiet day today, laundry perhaps, dishes, puttering...


~Carla~ said...

Sounds like you're doing awesome with your goals!! :) I imagine it would take a while to adjust to a new roomie...hope it all works out for you!

Karen E said...

LOVE seeing that the cc got chopped! =) And glad the roommate is working out so far. At least since this is short-term, you'll be able to see how well it works for you and can decide if it'll be something you want to do it for the school year as well. And yay for biking! I really need to take mine in and get it serviced.

Jane said...

Great post - so much good stuff going on! I don't think I could handle having a roommate being the introvert that I am though yours sounds very nice. I'm not good at sharing my space either (I make exceptions for Michael and Kazi LOL)!
I like my solitude and quiet time which they understand. I'm actually happy it's raining today so we can't go to the beach and hang out listening to Michael's friend's band play at a bar. I mean, we just heard them last night, do we need to hear them yet again? But it rained so we got to stay home and relax, which was just what I needed.

Northern Living Allowance said...

@Carla - thank you! I'm really trying to stay focused and it seems to be working. I've relaxed a little bit since registering for school, but still have my list handy so I can cross things off it!

@Karen - I know, right? It felt great. My roomie is lovely and I'm adjusting better than I thought, so that's a plus for sure. And biking is only fun if it isn't raining. I was lucky last week - the next several days we're expecting thunderstorms, so I'll be driving instead... :(

@Jane - It's working out well as she spends a lot of time in her room working, so I just go about my business as usual, which is great. The adjustment wasn't as hard as I imagined. I'm a real introvert as well, but it IS nice to have someone to talk to sometimes, I have to admit! :)

Laura @ No More Spending said...

Well done on reaching your ef goal! :)

saving for travel said...

So glad your room mate is working out.

Excellent news about the extra shift and the cycling.

Sounds like you are doing really well with your targets.

Sft x