Net Worth – December 2017

Late posting my net worth, but here it is.

A few points of note over the past 2 months –  I got some cash gifts from my family (~$600) for my 35th birthday. Big expenses included paying for dental cleaning out of pocket ($100) as I currently do not have health insurance, my license plate renewal ($240) and a cancellation fee from Sirius XM ($40)*. Also, I bought a booster for the car ($155). The largest expense was the Additional Qualification course that I will be starting at the end of January ($685).

In general, over the holidays, I have been generous with my spending as I want to enjoy the time I have with friends and family. This is something I’ve made peace with on a personal level, knowing that being away for 5 years in Quebec has made me feel a bit more disconnected with loved ones.

My Honda CR-V is paid off, as is my Motorala phone, so I am debt-free! That is a good feeling and of course, I never have a balance on my credit cards. I have also decided not to make any clothing purchases this year and in a way, that feels quite freeing.

Having said all that, I’m still waiting for the second half of my December pay to come in. Overall, I’m down about $3000 from October 2017, but at least I’m glad that I have maxed out my RSP contributions. I knew that I would not be saving at all, but my goal is to break even while reestablishing myself coming back to city life and enjoying the process.

Even without health insurance/coverage, I have still decided to pay out of pocket to take care of myself in ways that I could not previously (due to isolation, not lack of funds). I am basically spending the money now instead of over the past few years, which would have been the intention. Tomorrow I have an initial assessment with a physiotherapist for my right leg/knee (~$100), on Tuesday I will have my 3rd appointment for massage ($85) and Thursday, my counsellor ($60). Please note that I do generally space these appointments out but I ended up accidentally pushing them off into the second week of January.

I’m going to try to monitor my groceries by paying in cash for the next month and see how this feels. I do buy some expensive items (i.e. vegan meat replacement, vegan junk food) and want to make sure that I’m not just blowing it all.

To continue to minimize my spending, I’ll continue going to my yoga studio ($3800/10 months) and use my Goodlife gym membership ($400+tax/year). I have paid for two months of Cody app subscription ($10 USD/month) but will be cancelling it by January 17th. Gas is a big expense, and while I have not been tracking that, I should and will try to only go to Shell using my American Express credit card.

I’ve also applied for EI for the two week seasonal layoff (i.e. Christmas holidays where substitute teachers are not offered work), but likely won’t see any of that until later down the road. I still need to get a Record of Employment and am waiting as I’ve officially resigned from my former school board as of January 1st, 2018.

It really felt cathartic to write all this out and take a look. It’s important to do this work for myself. I know I get a lot of help from family**, who pay for groceries, take me out and take care of me in ways that is not measured monetarily. I am going to make better efforts to show gratitude to others through time and still be mindful of spending.

Here’s to an exciting 2018!

*Pissed at myself for this as I didn’t note the subscription roll over. Normally, I note these things in my calendar and set an alarm.
**My brother-in-law and sister let me hop on their TV account.

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Shared Household Expenses

This morning, J. and I went through the mindful budgeting planner and noted down all the shared expenses.

Since having read Katy Bowman’s books and deciding that we would walk more frequently, we don’t need more than a tank of gas each month.

However, the shock came from our groceries in March. When I first got the planner, I it a point not to go to the supermarket frequently and did well with 3 or 4-day no-buy streaks. After a while though, I had forgotten about it. J. and I wandered in and out of the grocery store, as you can see.There are no malls to go here, in this tiny town for 2300 people, so the only place you can spend money out of boredom is the supermarket! As I reflect on the past month, I recall that we bought a lot of junk food after work and also picked up items for potlucks and birthday parties.*

We never made a budget the past four years that we’ve lived together up north, but we are going to discuss some possibilities for May and June. I’ll also be moving south, while J. stays north, so I’ll have to monitor my own spending when I move. I’m looking forward to some life changes, but I hate cooking for one. It’s so much easier when you share food, plus J. makes a great garbage can when I can’t finish my portions!

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*Since food is so expensive in the north, it’s expected that everyone contributes at parties.