Tag: personal finance
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My Pay Week Routine
As a part of working to pay off my debt and generally “get ahead” I have established a pay week routine to help me plan in detail where every dollar is going. Essentially it’s part of a zero-based budget routine. Which many finance people talk about, but Dave Ramsey is one of the biggest proponents…
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Financial Fitness Check-In: February 2022
2022 so far is the year that I set a goal of never using my overdraft protection and the year that I am consistently using my overdraft protection. Although I do think that March, with all the overtime I’ve been putting in, the COVID pay, and the pet sitting I have booked, I think this…
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What I’m Buying in February
This is going to be a new series, a part of the financial accountability I’m striving for. But I don’t feel like that quite sums it up, it’s about being thoughtful about how I spend my money, what I bring into my house, what I put onto and into my body and just generally overall…
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Financial Fitness Check-In: January 2022
I have a lot of financial goals this year, and to be honest we are not off to a good start. I think that this month will turn things around if I continue to keep my spending in check. I think most people find January to be a lean month, at least people that celebrate…
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2022 Goals/Plans/Aspirations
I don’t know what to call this post or these things. Calling them plans seems like asking for failure as we head into the third calendar year of the pandemic, when nearly all plans have been dashed, destroyed, and ruined. Including the majority of my Christmas break plans, so I guess having plans ruined is…
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Spending Check In: November Review, December Plans
So like I said last month, I hoping that putting my money choices and realities out there (loosely, without super explicit details, that feels weird). And well, November was a disaster. It would have been fine if I hadn’t needed to spend $1000 on winter tires, I would have pushed my budget to the limits,…
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November Spending Plan: When Expected Expenses are More Expensive than Expected
In an effort to hold myself even more accountable with my personal finances I want to start logging them on here, both spending plans or a monthly budget at the beginning of the month and a check-in at the end of the month. Last month was one of the first net positive months I have…
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How to Buy a Used Car
As many of you may know if you read regularly, my car broke down on my way back from a weekend in Thunder Bay in July. It is dead, I knew she was dying (her name was Phoebe), but I was really hoping she would make it to Christmas, I could drive it home (where…
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No-Buy Month Review
So in the month of August I attempted to do a No-Buy Month. The supposed purpose of a no-buy month is to get back on track with your finances, a reset, a cleanse for your spending instead of your eating, if you will. July had been a month reckless abandon with my spending, mostly because…
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Money, Money, Money: 1
I really want to get my finances in order. I’m tired of living paycheque to paycheque and have half my money go to paying off loans or credit cards every month. I want to buy furniture and travel and have savings so that I can do those things in the future. But I also get…
Laura Caeris - Thoughtful Millennial 