weekly budget check

I did not post the weekly budget check last week; it is quite similar to this week.

Basically, I keep staying within my weekly allowance and do not make other expenses, such as dining out or purchase of personal/cleaning products unless necessary. Despite my best efforts though, the funds that I can regularly save after my expenses, mortgage, bills, and RRSP/TFSA contributions is not overly significant. This worries me because this is how I increase the money in my chequing account. So far it has been going only up yet slowly, so it must be okay. Yet I wished I could do better, oh well 🙂

Anyways; I am excited to say that I keep making mortgage pre-payments whenever I find a chance. I did one today 🙂 Looks like every month I can do one or two payments with a minimum of 100 bucks. This does not sound like too much, but I would like to think that it is making a positive change in my debt 🙂 

Overall, I am very happy and grateful for my frugal life. It has been somehow rough lately and i have been taking the cab sometimes even though I really do not like the feeling afterwards, but i want to believe that I take the cab because I need to pamper myself. If a 10 bucks ride is going to make me feel better, honestly, there is no need to brag about it. I just am worried that it may become a regular thing – that is all. 

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Here is this week’s spendings and savings:

Weekly allowance: $120

Expenses related to the weekly allowance (grocery and cab rides x 2): $62.5

Fun funds saved this week: $120 – $62.5= $57.5

Fun funds expenses: $0

Total fun funds accumulated so far in 2017: $908 !!! 🙂 

Other expenses: $42 (personal care purchases, such as moisturizer)

Savings from would-be-expenses: $29 (these are the savings from expenses that I would normally make, but decided not to; such as having breakfast at home rather than at the local cafe).

Mortgage pre-payment: $211 🙂

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And, last; I am happy to say that I keep consuming the food I have “hoarded” in my freezer and pantry (e.g. pasta, beans, frozen meals, frozen bread, canned corn and beans, etc.). I have actually replaced some of the food with fresh batches, which feels real good. I plan to prioritize the food in the pantry more – I have quite a bit dried veggies, wild rice, and cracked wheat still to consume, though! Lucky me 🙂

Happy savings! 🙂

random thoughts

It has been a fine Fall day; a little bit cool but otherwise nice and shinny 🙂 I love this year’s Fall – from the scenery to nice weather, it has given its full potential to our enjoyment.

I have not worked too intense today; I rather left the office at noon and walked to a nearby shopping centre 🙂 It is very rare for me to go shop on a work day, so I loved the fact that I permitted myself a bout of spontaneity – talking about breaking the routine 🙂

My first stop was at a thrifty store, where I found a fine piece of art work for my office 🙂 It is a canvas painting with lots of natural colours, trees, and plants in front of a lovely house with great wooden doors and windows. Just looking at it makes me feel in the nature – loved it 🙂 Money well spent.

I then proceeded to check another store and was able to find two gifts for my neighbours and one of my good friends. I could not believe how affordable they were, which was quite a relief. One of the gifts I purchased was a product of my home country, which made me extra excited 🙂 I thought at first the gifts per se would not be enough but then I decided to supplement them with a freshly baked loaf of bread. The fact that there has been budgetary issues where I am and, lately, my organization increased our pension plan contributions, made me very aware of the limited purchasing power. I believe the gifts are just appropriate and the bread will just make them even better 🙂 So my consciousness is clear.

I also visited my favorite dollar store. Well, the majority of the items are not $1 anymore, but still things are quite affordable when compared to other stores. I am excited about the new oven mints (they are bright red and look so lovely 🙂 ) and the pens (they have been my favorite in the last one year or so) I purchased 🙂 I did not buy everything I wanted to, leaving the joy and excitement of shopping to some other time.

Tomorrow a friend of mine and I are going to a shopping centre again. We would like to put our hands and minds on some craft, so let’s hope we will be able to find those fabrics. I also have been meaning to get some left-over pieces of fabric, which I plan to use during baking/dough preparation. We will see how it goes 🙂

This weekend seems like a triple dose of shopping as I am also planning to go to another shopping centre on Sunday! I know, I know… You are thinking; what is she doing – talking about frugality and saving and then shopping three days in a row? See, sometimes you need to do what excites you. Shopping always does excite me…. I do not buy things that I do not need, so no worries about over-spending. I want to buy a couple of items which are on sale this week, like olive oil, as well as hair dye for which I have a coupon. I also need to buy another set of gifts for my friend, which I am happy to check for sales now rather than later.

So my friends, the holiday season is coming, the sales are on, and gifting is somehow both required and exciting. My past experience is that I spend more than average during the holiday season, but this is mostly to take advantage of the sales. I have a list of things that I hope to catch good sales for and this certainly excites me. I would like to buy new pairs of socks and pants, for example. In the past I was able to get really good deals during the holidays. Then I can forget about looking for them during the rest of the year. So that is what exactly I am planning to do this year too 🙂

Hope everyone will be able to get the exceptional deals and enjoy their purchases 🙂

frugal encounters – this past week

On my frugality journey, here are the main things I have done to save money this past week:

1. walked to and from the work instead of taking the cab or the bus, whenever possible. Estimated savings: $78

2. Followed the sales, stocked up durable items and designed my meals around them: estimated savings: $45

3. Used a coupon that came with the insert. Savings: $1

4. Baked my own bread (sourdough): estimated savings $4

5. Baked and consumed my own croutons. Estimated savings: $2.5

6. Did not purchase the pyrex/mixing bowl set of 6: Savings: $22

Total savings: $152.5

 

Is that not awesome? I keep focus on reducing my expenses and thus counting them, but seeing the savings is  in fact a real eye opener and a great motivator to keep going 🙂

 

random thoughts

It is a windy day today. As a matter of fact some roads were closed in the morning because of wind damage to buildings/trees. It looks like we are having an usual weather. Hope it will return back to normal sometime soon.

Because of the wind, I decided to take the cab in the morning, which I now regret. Whenever I wake up with a negative morning mood, I rather prioritize un-stressing, which almost always means taking the cab. However, i always regret it afterwards. I must stop this – while I mend one negative feeling by taking the cab (e.g. morning stress), I create another negative feeling for later (i.e. regret for taking the cab rather than the bus).

Other than that, all is well. I worked nice and easy, though time is never enough. I still have a lot to do, but i also have time. I am glad that i did not leave my office after noon – I wanted to do that badly, but then decided not to. Working regular hours and taking care of work felt better.

I had reasonably good meals today. I even had a green salad for dinner (together with oven-baked battered fish). I like this meal. I can eat fish more frequently than chicken or beef. I find this interesting. Fish also makes me want to have salad with it. Win-win situation 🙂

This week I seem to spend more money than before. While it does feel good if I purchase items and products I need, after a while I start to regret that too. I do not want to regret necessary purchases. This aspect of having a budget and saving somehow bothers me -it should be okay to spend money on needs. I do not want to end being an extreme frugal, who no matters what, cannot spend money. I guess eventually I will find my emotional balance when comes to expenses and spending.

Cheers everyone 🙂

 

 

random thoughts

A misty and rainy morning turned into a beautiful Sunday this afternoon – hope you are all enjoying today 🙂

I stained my deck and front stairs last year and when the winter was over there were some parts of the stain that lifted up. I finally went to a store today and bought additional stain. It is too bad that I did not keep a record of the last year’s stain; we could approximate the colour of the stain but I can tell you it is not the same. I re-stained my front stairs; it looks patchy and all. I am not sure how it will look when it dries up. Then I will move on the deck. I am afraid next year I will have to strip off all stain and then re-stain again; that sounds like the best solution for now.

The problem is our summers are short. August and September are the only times we have less than regular rain. I wish we had longer summers so that I would have the freedom to do these over time. Without stressing myself over the short time to finish everything. Oh, well.

Today was a shopping day. I have not enjoyed it as much as I usually would. No idea why that is 🙂 I always enjoyed shopping! Well, just not this time. I am proud to say that I took the bus again and despite the stuff I purchased was heavy and all, I carried them in my back pack and two large shopping totes. Taking the bus is good for my purse (rather than taking the cab) and carrying stuff around is good for my heart and bones. I cannot complain.

On top of that, I managed not to eat out at a restaurant (come to think about it, this one may be the reason behind me not enjoying my shopping today – what is better than a nice meal in between the visits to the stores?). Anyhow, I munched on some nuts rather, which was delicious.

One strategy I find efficient in limiting unnecessary purchases is to have a look at all items at the end and ask myself whether I really would need them and need them right now. I left a number of stuff at the cashier – I wonder whether that annoys them? I hope not. though I understand it must be extra work for the store staff.

Anyways, we still have the Sunday evening and night to relax. Enjoy your Sunday everybody 🙂

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