I haven’t done any financial updates since May, it’s been a very busy summer. I’ve been working part-time and the income has been a God-send but the summer flew by, I didn’t enjoy much of it…There were several times I just wanted to quit.

I am whining, and of course timely ran into this post here; go read this, from the post:

““How can anyone at the prime of their human capital, who lives in a G20 country in 2015 complain that they are screwed? In all of human history so far we are living in the best of times.”

I feel stuck between a rock and a hard place and all I can do is keep budgeting, keep being cheap and some day there will be an end to it. I have so much.  Look at the life I live, my house, my bed, my dog, I can still afford to go on airplanes, I have a lot of richness in my life. I need big fat reminder daily to be grateful for all the cool stuff I have in my life. I should shut up, stop feeling sorry for myself and get on with it.

I want to go over the goals I set for this year:

1. Stop using overdraft, live on last periods pay. Reach by end of February. Success!
2. Save and splurge on a nice new purse in the spring.  Cancelled this goal, pointless and I can’t afford it
3. Sell my house. Fail. 13 months and counting… Not sold yet.
4. Max emergency fund to $10,000. Fail. I emptied my emergency fund to pay off house related debt. Only have my mortgage left, very little savings, but it’s progress!
5. Retirement TFSA/RSP combined* goal +$1,266.38; $4,500. Success!
6. Vehicle fund goal 2015 $208. Cancelled this goal
7. Future House 2015 $500. Cancelled this goal
8. Travel expense 2015 $1,500 jan – oct, after that is work depending. Success! (on target)
9. Last but not least a networth of $72,000. Cancelled this goal, I’ve stopped tracking this metric to focus on becoming 100% debtfree.
10. Visit Cape Breton  Cancelled this goal, for this year
12. Go to East to West music festival in Moncton, NB Festival got cancelled! :(
13. Go camping in the Magdalen Island for a week Cancelled in lieu of other travel plans!
14. Get up at 08:00/08:30 five days per week. Success!
15. Lose 30 for 30. Success!
16. Track food and  journal exercise daily. Success!
17. Go swimming once a week (incl. in gym membership) Fail.
18. Complete c25k a second time by April 30, 2015 Success!
19. Start weighing in weekly by June 30, 2015. Success!
20. Average steps per day 8,500 Success!
21. Read more: read 30 books this year. Fail
22. Wear out shoes, don’t buy more, reduce total amount of shoes owed. Success!
23. Complete the #100happydays challenge. Success!
24. Finish two bible studies. Success!
25. Keep track of these goals weekly here. Fail.

All in all I am well on track with my goals and there is definite improvement year over year versus where I started back in 2008! I cancelled several ideas I had at the start of the year as my priorities and finances have changed. Adjusting is good!

The most notable improvements this year have been in my health and routine, I wake up at a normal time, work at a normal time, and am asleep around midnight. I no longer struggle with not getting enough daylight! It has been 2,5 years since I stopped night and overnight work (which I did for a few years) and this took the longest time to adjust. I weigh less than I have in several years, at 155lbs I am back to a healthy bmi! Am more active and eat much healthier than I ever have before. I also feel better than I ever have before in my life… :)


Just got that email today, I’ve been using these apps since June 24th.  I purchased a Garmin chest strap to go along with my vivofit2 for tracking my heart rate on my bike rides, so those aren’t included in that and I’ve long since stopped tracking my number of rides. My activity level is about double of what it was about a year ago.

I go out on the trails about twice a week on average, some weeks three times, and have been doing that since the end of June. I completed c25k a second time somewhere in July, I don’t recall the exact date I did it but I just started running one day and did it without any planning for it, felt amazing afterwards and wasn’t sore at all. I’ve continued working on biking and walking stamina and endurance since then. Last night I did a two hour trail hike with Bob and carrying a 3/4 loaded 40litre back pack, for fun. Am I turning into an outdoorsy person?

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Some of my goals in hindsight didn’t work out, but such is life. I hope to pick up on the blog a bit more over the next months, and as I quit one of my jobs this weekend, I should have more time now too, yay!

I’ve been working my ass off this summer to get ahead, renting out my house, three other cottages, keeping my regular job and working on the side on weekends for someone else and… I just made the last $509.61 payment on my HELOC… it’s done! It’s paid off! I will do everything I can to never have to use it again and intend to close it in the future, barring emergencies. It’s just going to sit there all empty, propping up my creditscore. :)

Next month I will re-evaluate my savings goals and set up a plan to begin prepaying my mortgage. I’ll also know more about wether my contract is renewed, which greatly influences my finances, obviously ;)… so for now, I’m just going to keep on trucking and maybe spend a little on a nice dinner this weekend. Woohoo!

Happy Monday everyone! 😀

For the first time in my life I have reached my emergency fund goal. I actually reached it on Thursday, it’s been almost exactly five years since I started this journey on my blog. 6 years orso since I first started reading personal finance blogs and getting serious about fixing my finances permanently. It has been a long, long road with many ups and downs and… I have $10,000 sitting in several accounts designated as my emergency fund holding buckets, right this very moment


I have wanted to reach this for so long! It feels… slightly disappointing to be honest. I felt much lighter when I paid off my student loan, this feels very different… perhaps because it’s just money sitting there and I won’t really ‘feel’ much about it until I need to use it for something. Perhaps also because I am waiting for my contract to be renewed and if it’s not, I may need to use the emergency fund to get through the winter unless I find reasonable work soon. (Of course if my contract doesn’t get renewed I will clear off my resume a bit and just take any job I need to take to get by)

It’s a nice accomplishment, with very mixed feelings. I really hope I won’t have to use it any time soon and to prevent that from happening I intend to keep saving in various accounts for other minor and major planned and unplanned life expenses.

My next goal? Build up a buffer in my chequing account. Any time I get money in I’ve been dividing in over my credit cards, debt, spending and savings right away. It’s a habit… oh it’s payday? Let’s see how fast I can get my account to zero again!

Time to start living on last months income.