conscious spending update

For a while now I have been trying to save money so that I can continue to invest for my retirement and also save funds for my house repairs.

A couple of weeks ago I became serious about it. I have a large payment (an annual contribution for a retirement account) coming up at the end of next month and my chequing account has been on the border of being empty since last December. This week I started to see some improvement. I will not have enough funds in my chequing account to pay for the payment next month (use of line of credit is inevitable), but the situation looks a lot better now. I have hope that in two months I will have my chequing account back to positive. That gives me not only hope but also a great motivation to keep going 🙂

No large-scale shopping, no books, no gifts, no eating out, no cab (bus is my new hero nowadays :), and continuing the usual frugality for another two months. Two more months and I can do this.

great news! 🙂

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