fit challenge

Cucumber, carrots and radishes sprouting :)

Cucumber, carrots and radishes sprouting 🙂

It’s May! I just love spring and it took so long to arrive here in PEI, it was like the snow was never ever going to melt. I got some seeds started in egg trays in late April and some of the beans and cucumber plants seem to be doing well in their pots now. I need to pick up a lot more soil to fill the pile of buckets I still have to plant. (All the buckets were free from a restaurant, ha!) My lettuces and tomatoes are off to a very slow start and the zucchini just isn’t going at all.. Perhaps I am lacking a green thumb.

On to financial things, I’ve been trying REALLY hard 🙂


2. Save & splurge on a nice new purse in the spring. Not sure anymore. Saving is more important.
3. Sell my house. In progress.
4. Savings – Emergency $571.59/month. SMASHING success.
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. In progress. 
9. Networth of $72,000.  In progress.

My house was taken off MLS for the winter, just went back on and two days later had a request for a viewing. I really need this place to sell before next winter! I’ve had 5-6 showings before last fall so I don’t get very excited about them, but it’s nice to get a response so quickly after going back on the market.

So in May I had to put in the almost $600 bucks of regular contributions to my Emergency Fund, which I did, and I also needed to catch up on contributions I’ve been missing out on the last couple of months due to it being winter, expensive, and spending… and I did it! I hadn’t expected that I actually would, but I did! Contributing factors:

My seasonal job started back up mid-May and that means a gradual drip of a little bit of extra income. I became an accidental landlord and began renting out my house as of this month… as it still hasn’t sold. My after tax take-away from rental income is going straight to my Emergency fund. 🙂 I was also able to collect some money owing from previous work I’ve done AND I was quite careful with my spending, choosing to pack lunch every day, not eat out and try to cut costs where possible. It worked!

All my other financial goals are on track for now, I need to begin thinking of a plan on what to do once I have completed my $10k emergency fund with my job uncertainty, do I keep hoarding cash, do I start aggressively paying my mortgage, what to do? I want to write a post about that too and why it’s so important to me.

I am still running my chequing to almost $0 before every paycheque so in June I renew my focus to cutting out that nonsense. I need to build up a $1k buffer so I don’t have to worry about that darn bank balance overdrafting anymore. The end.


10. Visit Cape Breton. Haven’t done anything with this yet.
13. Go camping in the Magdalen Island for a week. Haven’t done anything with this yet.

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15. Lose 30 for 30. In progress. 
16. Track food, journal, exercise daily. Done.
17. Go swimming once a week. Fail.
19. Start weighing in weekly by June 30, 2015. Haven’t done anything with this yet.
20. Average steps per day 8,500. Done! 9,310 daily average!
21. Read more: read 30 books this year. Fail.
22. Wear out shoes, don’t buy more, reduce total amount of shoes owed. In progress.
23. Complete the #100happydays challenge. In progress.

My step average
dropped a bit to 9,310 average over the month, I was above 10k daily for April, but still, I’m above the goal I set at the start of the year which is great. I still have not been back swimming but with the warmer weather am walking more, and the dog too. My knee has healed, it bothers me infrequently now, but I still have no desire to pick up running again. I was at the beach twice this week for a long walk with my dog. Overall I feel fantastic! I have been journalling my food and activities, now using my home made Moleskine planner/journal, since Christmas last year and the difference in my mood, stamina and general health is noticeable. Eating well does a body good.  I look better too *wink wink nudge nudge* Ah, yeah. Okay, I’m awkward.

On the job front, my contract is now being discussed (versus just me speculating and worrying about it) Everything is going really well, in fact the best it has ever been but I got the unfortunate news that regardless of my main client being very happy and that they would like to continue the contract with me, the board will very likely still want to put my contract up for tender… so uncertainty remains.

I haven’t been seeing much interesting to apply to. I did do one application and did not get selected for an interview… in fact, my sister got that exact job I wanted working for Air Canada. I was… jealous but also happy for her to have landed a job with benefits etc, she needs it as much as I do. I am currently in the running for another exciting opportunity and have a Skype interview next week, (in Dutch, nonetheless!). I did not apply at very many places in May, just haven’t been seeing anything interesting to apply to. I did make the choice to amend my resume and reword my positions: I am the company owner, I can’t really lie… about that but it was suggested to me to word it differently because hiring managers might be making assumptions about my actually needing work/seriousness/suitability/over/underqualified. Henceforth I have baptised myself general manager for company x. Which… I am, although I am also the 50$ owner of company x, but that is no longer evident from my resume. Maybe this will get me more bites? I also looked up the NOC codes that really do apply to my jobs and streamlined things a bit better, I’ve accumulated more references so all in all… on paper I should be lookin’ alright. 😉

Aaaaand that’s a wrap for May, let’s see if I can get this emergency fund bastard wrapped up by the end of June – actually, wow I just realized i currently have the most emergency savings I have ever had sitting in my account – just over $8k. Ever! Wow!

Summary goals for June:

– Finish Emergency Fund
– Find another freaking job, finally, really
– Build a $1k buffer in my chequing
– keep on keeping on being healthy and stuff



Week 4. January 25 – 31, 2015. One month down… 11 to go. 

My parents finally came home this week. I’ve been taking care of my 14year old sister and four year old niece – Basically mom-dutying for 12 days. Getting them fed, dressed and driving them to school, picking them up (no school bus), feeding them again…. You get the point, while attempting to keep up working almost-full-time. It was hard! I know that when you have kids you gradually grow with them, having a teenager and a toddler dumped in your lap suddenly is quite the lifestyle change!

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Unfortunately my parents got stuck in NYC on the way back due to the big winterstorm that came down the east coast so 12 days turned into 16. I managed to get away for three nights while my other sis watched them through the 16 days to preserve my sanity. It was fun, and hard. My parents finally made it back on the 29th and SURE ENOUGH on the 30th I got sick and I’ve been sick for a full week since.

Having the kiddos here really helped me get into a routine sleeping-wise, which is AWESOME. However, I didn’t have time to go to the gym and it exposed me to whatever they brought home from school and I ended up with a very sore throat/fever that seemed like strep, and now a week later it seems I have bronchitis. Fun stuff, great for the finances though because I haven’t spent very much, not eating out much is great on the wallet! Now for the details:


Goal recap.

1. Stop using overdraft, live on last periods pay. Reach by end of February. Done.
2. Save and splurge on a nice new purse in the spring, Michael Kors Dillon? Haven’t done anything with this yet.
3. Sell my house. Take the money and run. In progress.
4. Max emergency fund to $10,000. Save $571.59/month. (or: future house) Done.
5. Retirement TFSA/RSP  $105.53/month. Done.
6. Vehicle fund $17.33/month. Done.
7. Future House  $41.66/month. Done.
8. Travel expense $1,500 jan – oct, after that is work depending. On target
9. Last but not least a networth of $72,000. An increase of the amount I plan to save and any small gains in interest/value. :) On target.
10. Visit Cape Breton. Haven’t done anything with this yet.
12. Go to East to West music festival in Moncton, NB. This got cancelled so I can’t go 🙁
13. Go camping in the Magdalen Island for a week. Haven’t done anything with this yet.

I hit all my financial targets this month, all my savings targets are spot on. It went well! I haven’t made any concrete travel plans and my house still hasn’t sold though. 🙁

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14. Get up at 08:00/08:30 five days per week. Done.
15. Lose 30 for 30. In progress.
16. Track food and  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. In progress.
19. Start weighing in weekly by June 30, 2015. On target.
20. Average steps per day 8,500. Done, average was 8,834 for January.
21. Read more: read 30 books this year. In progress. Read two in January so a bit behind.
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!

Healthwise things went well, I’m keeping up with being active more in general (which needs to be a permanent lifestyle so I’m taking it slow)  my workouts are still lacking. I slimmed down a bit this month, I’m not sure how much in centimeters or actual kilos and it’s not actually that important for the time being, my pants fit better and I feel and look better. I am still tracking everything I eat and my sleeping and activity patterns daily.

The benefit of eating at home more and spending less at Tim Horton’s (I’m not a huge burger and fries eater but I do love breakfast sandwiches) is that I’ve been doing some experimenting in the kitchen. This morning I made chocolate banana baked oatmeal (pic above) and I tried making chia pudding. Any time in the past few years I end up eating out a lot more I tend to forget how much I enjoy cooking and baking.

And that’s a wrap! Happy February!


I have  25 goals for 2015. Week 3: January 18 – 24 also went well! I’m about to finish up January with a bang this coming week.

I hit every single savings goal I set with the exception of my emergency fund. My target is/was $571.59  per month and as of today, Jan 25th I’ve contributed about $267.15 to it. I do have a few hundred in cash still but I will wait until the end of the month to deposit it to hit the contribution amount I was aiming for. I’m well on my way to hit all my financial targets this month. 🙂 Now for the rest….

A few of my lifestyle goals this past week;

14. Get up at 08:00/08:30 five days per week. Done.
16. Track food and  journal exercise daily. Done.
17. Go swimming once a week (incl. in gym membership) Fail.
20. Average steps per day 8,500. Done. 9418 avg
21. Read more: read 30 books this year. On target. 2/30
23. Complete the #100happydays challenge Getting there…

My health goals are all going well too! I suppose it goes hand in hand doesn’t it, happy wallet’ happy body. I went to Moksha Yoga once last week – I had a coupon for a free class –  and had a great workout. I had one day where I missed my step target of 8,500 by 400 steps but I made up for it by having two days way over my target. I did not go swimming. I started C25K again, I did two runs; one of my goals for 2015 is to complete it by the end of April.

I don’t get paid this coming week and I have no expenses so my finances probably won’t change much between now and the end of the week. Primary focus this week is health:

– stick to cash only
– go swimming once
– finish reading Ender’s game and start a new book.
– Lose a lb orso

Until next week! 🙂