It seems a bit repetitive to keep going over this list every month, but it serves a purpose: Keeping the end-goal in sight and making solid progress every month towards what I want to achieve. My goals for March:


1. Stop using overdraft, live on last periods pay. Reach by end of February. Done. 
2. Save & splurge on a nice new purse in the spring. I’m drooling over this one at the moment.
3. Sell my house. In progress
4. Savings – Emergency $571.59/month. Fail. $200 short.
5. Savings – Retirement TFSA/RSP  $105.53/month. Done.
6. Savings – Vehicle fund $17.33/month. Done.
7. Savings – Future House  $41.66/month. Done.
8. Travel expense 2015 $1,500 jan – oct. Haven’t done anything with this yet.
9. Networth of $72,000.  In progress. Up to $65,803.89 now! A $1,078.19 increase over February :-D


10. Visit Cape Breton. Haven’t done anything with this yet.
12. Go to East to West music festival in Moncton, NB  Festival was cancelled :(
13. Go camping in the Magdalen Island for a week. Haven’t done anything with this yet.


14. Get up at 08:00/08:30 five days per week. Done. (mostly)
15. Lose 30 for 30. In progress. Jeans fit much better now.
16. Track food, journal, exercise daily. Done.
17. Go swimming once a week (incl. in gym membership). Fail.
18. Complete c25k a second time by April 30, 2015. Haven’t done anything with this yet.
19. Start weighing in weekly by June 30, 2015. Haven’t done anything with this yet.
20. Average steps per day 8,500. Done! 8,826!
21. Read more: read 30 books this year. In progress.
22. Wear out shoes, don’t buy more, reduce total amount of shoes owed. In progress.
23. Complete the #100happydays challenge. In progress.
24. Finish two bible studies. In progress.
25. Keep track of these goals weekly here. Done.

I stuck to my grocery budget of $220 and spent $219.20 and $84.42 on eating out mostly at work and at Timmies… I definitely had too much bad fat there. I anticipate the same for next month but plan to spend my eating out budget on a steak dinner, sushi and sampling PEI Burger Love instead of at Tim’s. OMNOMNOM. Or maybe I’ll say screw it all and go to Florida for a week. That’s also a possibility. :-P

March was okay financially, I scraped by and fell short of my emergency fund contribution by about $200.00. I will need to try to make up for it next month. My networth went up nicely: a $1,078.19 increase over February and I saved roughly $825, or 27% of my income this past month. This is lower than my goal of 38-40% due to unplanned spending on clothing (haha what a surprise) a spree at Michael’s for krafty stuff  and gifts. I am looking forward to the summer months when my income will increase and bills decrease so my savings rate will jump up.

On the job front, (I need more work/more income) I did send out several applications. I had one phone interview that was cut short by the recruiter with a lame “we’ll call you”. I’d appreciate honesty instead of bologne. Anyway, the other recruiter never called during the scheduled time and we have yet to reschedule. I did receive the message I was able to pick up another cottage for the summer which means this summer will as I was hoping have a bit more work AND income over last year, and that’s the goal, so awesome!

I’m looking forward to the first of May when I get another raise, it will only be worth $7.50 a week but I’ve already planned out how to distribute it through my savings and hope to double my goal for my vehicle fund this year. I hope my car lasts quite some time yet, but I decided to check out the used vehicle listings… I have so much more to save… and I need to have that piggybank ready for when my car really bites the dust. Anyway, not a bad month overall!

On March 15th I kicked off a 30 day no Tim’s challenge. I buy a breakfast sandwich combo on average weekly, and pick up a cup of tea on an almost daily basis these days. I read Bridget’s post yesterday on the price versus the cost of non-necessities this week and it relates. Like Bridget, I will hit my financial goals anyway, regardless of whether I spend $50 at Tim Horton’s every month. I am a penny pincher and I do think every bit helps but I’m not kicking Timmies because I think I might save a few extra dollars as I have before, that’s just a happy side-effect (I hope) in the end.

source below

source below

The self-imposed 30-day Tim’s ban has more to do with my health and lifestyle than money. It’s in a similar vein as when some years ago I tackled my coffee habit, my watching tv habit and my bad language habit. (To update on those: I got rid of my show and film habit along with the shitty ex and cable and never looked back, I only drink coffee when out and about or when travelling and well, I still use bad words sometimes in my down time but continue to expand my vocabulary :-) )

Back to Tim’s. I enjoy eating out, I enjoy picking a restaurant and spending some time with a friend or family and enjoying food. I allot for an eating out budget every month and am not generally too upset when I go over. I don’t mind spending more than a few dollars on a nice meal. I like food. I am a foodie. (my waistline attests) and, in an attempt to keep my waistline under control as I turn 30 this year, Tim’s is out. The breakfast sandwiches taste pretty good,but they aren’t as good  or healthy as the breakfast recipes I have yet to try to make, Tim’s is a convenience that adds little to my overall life.

When I set my goals for 2015 I also made quite a few lifestyle related goals. I wanted to get my sleeping pattern under control, which I have, eat better, move more, read more. All around self-improvement. To become a better version of me, year after year. I want to expand my cooking and baking skills, bring more lunches, and make eating out an even more enjoyable and special occasion of sorts when I do go out… PLUS I would rather have one or two nice dinners a month and bucks to drop on them than a daily tea on my drive to work. The latter does little for my social life and as I mentioned, my skinny jeans. So until April 15th, Tim’s is out and my kettle is in. Perhaps after that, I’ll stick with it for good.

Image source: here.


above the fold november 2013

I got tired of my blog today.

I didn’t make any backups. There was no coding magic: In a spontaneous series of events I spent 46 minutes searching through themes on WordPress until I found a simple-enough and customizable enough version of my tastes and Nickel by Nickel 4.0 no longer exists.

I didn’t take any screenshots to document the progress either… Just from one day to the next I got tired of the clutter-y layout and here we are. This feels similar and as cathartic to sorting another entire trash bag full of stuff out of my closet while stormstayed last weekend.

There will be some tweaks in coming days. I have no further financial or travel wisdom to impart. Just change, sometimes change is good.

2015-03-01 14.35.51

Went for a walk on the beach on March 1st with bf and dog. Walked over top of many feet of snowdunes and could only see ice as far as the horizon.

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