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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:

Financial

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 😀

Travel

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.

Lifestyle

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. 😛

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!

Financial

I hit every financial goal this month. I didn’t screw up anything and I’m actually a little bit ahead in some accounts. I can easily fall behind again in March so this doesn’t change anything. I’m just going to keep trucking and make this an awesome year. My house still hasn’t sold… and I won’t drop the price to below what the market should pay just to get rid of it, so I’ll just sit and wait. Let’s recap:

1. Stop using overdraft, live on last periods pay. Reach by end of February. Done. Anytime I have money in my chequeing I feel the urge to either spend, invest or save it. It was strange getting used to having a balance in my account instead of letting the overdraft take care of things. It feels better now though, I have all my bills on schedule including my savings contributions, and cash in my wallet and a balance in my chequing. Haven’t been here in a while!
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. Done. I actually put in more this month because I had a little bit of extra income from a cottage rental. 🙂
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 2015 $1,500 jan – oct, after that is work depending. Haven’t done anything with this yet.
9. Last but not least a networth of $72,000. In progress

My emergency fund and networth progress are looking like I’ll have a great year, providing I bank the extra money I earn with my summer job and don’t spend it all on who knows what. I haven’t always been good at that. I anticipate to earn more from my summerjob(s) this year than in previous years, perhaps $2,800 – $3,000. If I keep up my savings and don’t touch a penny of my other earnings, by the start of September I should hit that $10k. In February I saved 54.5% of my income, that’s not really a sustainable rate but I am aiming for saving 38-40% of my income going forward from now until… eternity.

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Travel

I didn’t go anywhere yet this year, sadness. I wasn’t planning to but hay, you never know! I am trying to convince the boyfriend to come to Cuba with me on a last minute deal, but he’s resisting, I just keep dreaming, I’m sure I’ll end up going to places I’ve never been this year. 🙂

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.

I do have an airbnb credit and a best western free night to use up, and a bit of points on my AMEX. I’m hoping to apply for a new creditcard this year to get a few points to put towards another big trip in the fall.

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Lifestyle

Well, I was sick for more than half the month, I didnt get to the gym once, or the pool… I didn’t put full effort in at being active when I could be, February was just a writeoff in that regard. My routine is going well but overall this category ended up kinda meh.

14. Get up at 08:00/08:30 five days per week. Done.
15. Lose 30 for 30. Fail.
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. 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. Fail. I think I’m hovering around 7,500. The fitbit website keeps failing me the last few days. I was sick the first two solid weeks of February, I petered on about another week and this past week has really been the best week yet. I still have a rumbly cough. I ended up on antibiotics. Whatever I had was not fun!
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. Can I go the summer without buying any new footstuff?
23. Complete the #100happydays challenge. In progress.
24. Finish two bible studies. In progress.
25. Keep track of these goals weekly here. Done.

For March I would really like to decrease my restaurant and grocery budget even more. I spent $66 in restaurants, 4 x breakfast at Tim’s, one dinner with a friend and one lunch at work when I got stormstayed. It should be fairly easy to cut this down even more. My grocery budget also peaked at $312 and besides increasing grocery prices I really can’t think of what the heck I spent so much on! 

And, whambamthankyoumam, that was it for February. I better get on with my taxes.

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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:

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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!