Give Me Back My Five Bucks

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This will be a busy weekend!
2008-02-02 00:44:00
I'm really excited to go back to the island today. Haven't been home in 2 weeks, and there's so much to do. It's going to be a really rushed weekend - I haven't even started packing yet, so that's what I'll be doing this evening and tomorrow morning, 2 field hockey games tomorrow afternoon, and a "moving away" party in the evening. Sunday morning J and I will load the U-Haul, I have a baby shower to go to at 11am, and then we'll have to rush and catch the 3pm ferry back over to Vancouver.So today at work we were all informed that a new girl (she started about 2 weeks earlier than me) got let go. That makes me nervous because of what happened with one of my last jobs ... they let 4 people go that I know of within their probation periods, plus me ... so that's 5 people within 3 months. Insane. I need to be on my best behaviour for the next 3 months.
More About: Weekend , Busy

A dumb question about RRSPs ...
2008-02-01 22:41:00
Can I start to contribute to my 2008 RRSPs right now, even though you can still contribute to 2007 until March 1st? And if so, how do you distinguish whether you're contributing to 2007 or 2008?
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My $35-40/week grocery budget
2008-02-01 18:59:00
I don't spend a lot on groceries, but it doesn't mean that I don't eat well. I always have plenty of food in my kitchen, so after someone commented on my grocery budget yesterday, I figured I'd just give you an overview of what I would generally buy in a week for food.Average Week ly Grocery list:Breakfast$0.75 organic black tea (20 bags for $3 = $0.15 each x 5 days)$1.00 soy milk for tea (a little $2 container lasts 2 weeks)$2.50 granola bar of some sort (comes in a box of 5)Lunch$2.00 organic greens from Costco (one box usually lasts me 2 weeks, and they are $4 each)$1.50 organic salad dressing (a bottle of the brand that I like is about $6 and lasts a month)$1.50 organic grain crackers (a box is $3 and lasts 2 weeks)$4.00 tuna/or meat substitute (I usually get tuna or veggie patties to put in my salad)$2.50 apples (5)Snacks$1.50 bananas$1.50 cookies (for my afternoon tea - a small box for $3 lasts 2 weeks)$1.25 brown rice crisps from Costco (one bag costs $4 and lasts 1 month)...
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February 2008 Monthly Goals
2008-02-01 03:47:00
Finally, a month where I have a regular income. This will be a 3-pay cheque month for me, so I'm using this first pay cheque (1 week of work) to pay for my moving expenses over to Vancouver, as well as anything I'll need to buy/replace.2008 .html">February 2008 Monthly Goals :$150 grocery budget. I'm pretty sure I can do this. I've been averaging about $40/week since I've been living here, so I've got confidence I can pull this off.$50 gas and public transportation. This will definitely be doable. I live about a 30 min. walk to work, so I plan on walking every day. I might take my scooter a few times if I'm running late, but I'd like to think that the 1 hr. round trip walk will be a little extra boost of exercise that I probably could use.$100 Entertainment. It doesn't take much to entertainment. I anticipate exploring my new neighbourhood, maybe going skiing (?) on girls night ... spending time in coffee shops ... I also have a few 2-for-1 coupons I'd like to use for touristy places ...

January Goals: My Review
2008-02-01 01:44:00
January Goals (end of month review):GAIN FULL-TIME EMPLOYMENT. Thank god. It's about time I'm able to cross this off my list of things to do. :) I'm really happy at this job, and I like everything about it. I got my first pay stub today for 1 week of work (paid tomorrow). It was kind of a shock to be getting paid the equivalent of about $21/hr when I'm used to making $25-27/hr with my other FT jobs last year ... but I'm not complaining. I love this job, and I'm glad I declined those 3 other job offers, and held out for this one.Get the current website contract finished and signed off. Nope. I've been so busy this month with moving to Vancouver and getting settled ... but I did make progress on it. I am going to try and upload the website shell so that the client can have a look at it, and then I'll have to schedule a meeting with him to go over web copy. I'll be back on the island the next 2 weekends in a row, and my sister works for him, so I'm sure I'll see him at some ...
More About: Review , January

Why the heck did my credit score go down?
2008-02-01 01:10:00
WTF! It's been 10 months since I've checked my credit score. Last March, it was 727 ... so how is it possible that it's now 724!? RIDICULOUS!I have no new credit, no balances on any cards, no new credit inquiries (hard hits), and I'm now completely out of debt.There's an error on my credit report though - it said that I had a 30-day late payment in May 2007 for a CitiFinancial credit card ... even though I closed that account (and it's listed as closed on the report) back in 2005. It's odd. I haven't even used that card since 2004. I'll have to dispute it.But did that one error really affect my score that much? I'm really angry. Not that I think I'll need my credit score anytime soon ... but what if this fall, I find a perfect little condo that I want to buy? What then? You never know when your credit score is going to come back and bite you in the butt. And I know my score is okay, but it just doesn't make any sense at all. I've followed all the rules, and I was really...
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EI update, cable services, and my credit score
2008-01-30 23:13:00
So Employment Services called me yesterday afternoon. After asking me some ridiculous questions, she said she would have to contact my previous employers to verify everything that I had said was correct. She didn't know how long that would take, so she wasn't sure when my claim would be finalized. I really really hope this gets done by the end of the week.I got a call from Shaw Cable today, and signed up for high-speed internet and basic cable for about $60/month. Plus, there's a promotion going on where I get a free modem. I'm happy with that ... and after reading all of your responses about whether you have cable or not, I think I'm going to keep my cable. I want to keep my entertainment costs to a minimum here, so if I can catch the game at home, that saves me from going out to a pub, or taking public transportation over to J's. They are coming to do the install on Monday after 6pm, which is super convenient because Monday will be my first day in my new place.Also, I really...
More About: Credit , Update , Score

I only fell three times!
2008-01-29 23:30:00
Yesterday evening J and I went skiing with a few of his friends. It was actually really fun, and I think I picked up enough so that I didn't look like a complete loser out there. I was having a blast going super super fast, and turning corners at the last possible second. To be honest, I was probably going too fast, given the fact that I've never skied before ... but it looks way more badass bailing at a bazillion miles an hour, than it does just falling down while trying to get to the lift to go back up. Anyway, I'm looking forward to going again! But probably only on Mondays, since it's cheap for women.
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Dear Emergency Fund: You saved my butt!
2008-01-29 09:02:00
My EF is what's saved me over the past 2.5 months. Since I clearly couldn't have relied on the government for EI benefits, I would have been completely screwed without that $3k I had saved. It's so incredible to me, that personal finance and saving money actually works. I'm still in awe of it all, and it's insane that just one year ago, I had not one dollar to my name, and a whole whack of debt to get out of. And even though things didn't exactly go my way this past year, I'm in a much more stable position now - freshly out of 2.5 months of unemployment - than I ever was with a full-time job.It's such a simple concept: save money. Why didn't I get it for so many years?When I started the EF, I honestly never thought I'd use it - I just thought it'd be a little chunk of money that just sat in a savings account for the rest of my life. Who would have thought that, as soon as I fully funded the EF, I would have had to use almost all of it up.I haven't checked Quicken in a fe...
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Week 9 without an EI payment
2008-01-28 23:55:00
So my EI? I still haven't gotten a payment yet. I know, I know, you all said that it would take forever ... but this is the 9th week, and while I don't need the money, it'd be nice to get paid for what I'm entitled to.It's so frustrating, and it seems nothing gets done unless I call them. I filed my claim on November 18th, and my file sat there until January 3rd when I called, and the CSR noted that all my paperwork was complete, and sent my file to the appropriate person. And today when I called, nothing had been done since then. The CSR this time said that she'd send my file forward to adjudication, where they'd make a final decision on my case by tomorrow. But if I haven't heard from them by tomorrow, then I'd have to call in on Wednesday. ARGGH!If my case is approved (which I don't see why it shouldn't be), I would be entitled to 9 weeks of pay, which would be deposited into my bank account within 48 hours. The maximum payment a person can receive is $435/week, so I w...
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Going skiing for the very first time!
2008-01-28 23:06:00
Today after work, J and I are going skiing. I've never been skiing (or snowboarding) before, so I'm going to be pretty pathetic out there. Apparently on Mondays, lift passes are free for women ... otherwise they'd be $23 or something like that. So all I have to pay for is rental gear. Not too bad. I've secretly got high expectations that I'll catch onto this skiing thing easily, but I have no coordination of any kind, so chances are I'll spend most of my time falling down and looking like an idiot. :)Tomorrow we're going to my suite to measure and take pictures of everything. I've started to make a list of things that I'll need to pack, as well as things that I'll need to buy. I've been watching Craigslist religiously the past few days (the Vancouver listings, as well as the one for my hometown), and have a few leads on couches. I'm just praying my queen-sized mattress fits in the bedroom, otherwise I'll have to buy a smaller mattress.Sometime this week I'm going to ha...
More About: Time , First Time , Skiing

The day trip to Seattle
2008-01-28 01:45:00
Well, Seattle yesterday was a lot of fun, and although I spent more than I had originally anticipated, I don't feel bad. I have the $, and I considered this day trip to be a sort of "reward" for finally achieving my goal of gaining full-time employment. That being said, the next time I go down, I'll definitely try to curb the unnecessary spending by planning better (ex. $26 for parking in downtown Seattle? How ridiculous!). Plus, we also got lost trying to get back to the highway to go home. How did that happen? Perhaps bringing a map would have been a good idea.The concert itself was pretty unbelievable, and I'm glad J enjoyed himself as well. Because if he ended up hating Ryan Adams, I'd be forced to choose between the two. And that's just not fair. :) We had some food with my friends after the show, and ended up getting back to Vancouver around 3:30am, completely exhausted but happy.Today J is working on the renovations to his basement suite, and I'm working on a website co...
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Positives and negatives of Week 1 in Vancouver
2008-01-25 23:59:00
This last week went by really fast, but also really slowly. My first week on the job was interesting and fun ... in fact, I'm going for coffee with my boss in about an hour to talk about my first week here. I'm so glad that I held off for this job ... I know that if I had taken any of the other 3 jobs that were offered to me, I wouldn't be as happy as I am now.Week 1 in Vancouver POSITIVES:I love my new jobMy boss is awesomeAte at two delicious sushi restaurantsFound an apartment suite for well under budgetHave had an awesome time staying with JLoving the idea of living on the same land mass as JSpent a night on the Sunshine CoastAm going to Seattle to watch Ryan Adams tomorrowStarted watching old episodes of The Office againWeek 1 in Vancouver NEGATIVES:Feeling super tiredSome people at work are lazy and are trying to unload projects on me all the time just because I'm new (projects that I'm not supposed to do/don't have time for - according to my boss)Dislike the vibe I get ...

My company's RPP benefits
2008-01-25 21:35:00
I was reading through the benefits package from work today, and wanted to know about the 4% RPP match (which I'll get after 6 months of employment) ... I talked to a woman in HR, and she explained that on every pay cheque, the company will match my 4%, and it's automatically vested. So I could walk away whenever I want and take all the employer's contributions with me. Plus, I'll get to pick and choose which mutual funds I want to invest in. Awesome. I mean, 4% isn't very much, but it's something.
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Gearing up for Seattle tomorrow!
2008-01-25 19:41:00
Yesterday after work, J and I went out to the Sunshine Coast for the night. I forgot just how pretty it is out there. Hopefully I can get back out there sometime this summer. :) We caught the 6:20am ferry back to Vancouver this morning, and I rolled into work at around 7:30am.I am super bagged. It seems like this entire week has been one non-stop endless day of running around the city like a chicken with my head cut off. Can't wait until I can move all my stuff over here and settle into a regular life again.Tomo rrow , we have to get up SUPER early to drive down to Seattle for the Ryan Adams concert. I'm so excited for this concert that I'm not even sure I'll be able to sleep! I want to try and stop off at the Seattle Premium Outlet Mall to check out the J.Crew and Banana Republic stores. The last time I was there, I got some killer deals ... plus, my sister's birthday is in March, so I could pick her up something nice. Hopefully we will have time to roam around Pike Place Market...

Scooter vs. Car: the Vancouver debate
2008-01-25 17:30:00
Wednesday after work, J bought a new car. It's pretty nice (kind of big, but he's a super tall guy), and definitely beats the truck he's been driving for the past few years. I got to drive it back to his place ... and I definitely got car envy as I walked around the dealership looking at all the brand new cars - especially when I came by a red Mini Cooper (my dream car).I've been thinking a lot about selling the scooter and buying a cheap, reliable used car ... like the one I used to have ('89 Mazda 323 hatchback). I really don't want to, but having a scooter just isn't very practical for getting around in Vancouver . It's great for the island, but the mainland is so spread apart and connected by highways. Plus, people are crazy over here - always in a rush, accidents all the time. Riding a scooter could be just plain dangerous ... although, I live quite close to work and nearby stores, so perhaps it will work out. And while I despise relying on public transportation to get a...
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GMBMFB Readers: do you have cable?
2008-01-23 22:36:00
So, according to Shaw for my internet and cable options, I could get high-speed internet as a stand-alone for $40.95/month ... or I could bundle my services and get internet/cable for $61.95. So basically for $21 more per month, I could watch TV. This is all not including tax, or the modem I would have to buy for my internet connection ... but I think it might be worth it. I could always try it out for a while and see if I'm watching enough TV to make it worth the extra $21 ... and if I'm not, then I can cancel it.I haven't watched TV in almost a week, but I know that coming up is NHL playoff season, plus baseball is just around the corner ... and I think if I weren't staying with J, I'd be watching more TV than I am, since I'd have nothing else to do. Something to definitely think about, that's for sure.Do you have cable?
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Time to start looking for a PT job
2008-01-23 17:54:00
I know I should be focusing my energy on my new job, and nothing else ... but I'm going to keep an eye out for a PT job that would allow me to work super flexible hours, while not really utilizing any part of my brain. Ideally, I would want a job working in an organic grocery store (or something like that), so I could utilize their staff discount to buy groceries ... and I'm definitely going to be picky about a PT job, since I don't really need one. I would love to just pick up a few shifts here or there ... if anything, just to keep myself busy. I don't know many people in this city, so it'd be nice to occupy my time. Plus I need to remember that J has his own life and his own friends, and while I know I'm an important part of his life, I should make sure not to overwhelm and pester him to hang out with me all the livelong day just because I'm a loner in a new city.Besides, it would be nice to make some friends as soon as possible.
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So about that new job I have ...
2008-01-23 16:54:00
All I've been talking about the past few days is finding an apartment - so now that I've got one, I can focus my attention on talking about the job. Also, if you're wondering, I'm currently avoiding looking at my RRSP accounts. While there's nothing I'd like more than to see my money disappear thanks to that wonderful, volatile biatch that is the TSX , I'd rather talk about the new job. :)The job is great. My boss is great. My co-workers are great. I feel much more a part of the team than I did with my other job (the one that let me go). Although, I must admit that being let go was a huge hit to my confidence ... and it'll always be in the back of my mind until my 3-month probation period is over here. I'll try not to let it stress me out, but for those of you who've been in this situation before, it's pretty darn hard not to think about it.As for the actual work itself, it's not too difficult ... there's just a lot to do, and not enough time to do it in. I think once I...

I'm no longer homeless! :)
2008-01-23 04:18:00
I went to view that suite today after work (the one the woman who had my job before me lived in). It was really nice, very clean and well-kept ... although quite small. It was in a good neighbourhood (about a 25 min. walk to work, or a 5 min scooter ride), and I really really liked the landlord. There's a place I can park my scooter off the street and has shared laundry too. I asked if I could have the suite before he showed it to anyone else, and about 20 min. later, I handed over a cheque for the damage deposit. He said I could start moving in on Monday, and he wouldn't charge me rent for the rest of January, which I thought was really nice ... even though it'll only be 4 days until the end of the month by then.So, the rent is $600/month, all utilities included except for internet and cable ... internet isn't that expensive but it's a necessity for me to keep in touch with my friends & family, and I'm undecided as to whether I'll get cable or not. I don't really watch ...
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Promising suite viewing tomorrow ...
2008-01-22 07:13:00
So J and I went to check out that $500 2-bedroom basement suite yesterday, and it was a total dive. You could just tell that the guy didn't take pride in his house - he was just using it to generate an income. The backyard was littered with debris, and the carpets inside were stained and dirty and disgusting. Plus, the guy was kind of weird. I guess that's what you get sometimes - gotta weed out the crap.Today after work, we went to see another place. This was a 1-bedroom suite for $650, utilities included. It was much, much nicer ... and in a much nicer area of town. That being said, I didn't ask for it right away, because I'm going to see another suite tomorrow after work - this is the one the woman whom I'm replacing at work lived in. It's $600, utilities included ... and the landlord seemed really keen about me moving in, since I came recommended. This suite is much closer to work - so close that I could walk to work - and that would save huge on transit costs. Plus, I'm ...
More About: Tomorrow , Suite , Viewing , Tomo

Viewing my first suite in Vancouver tomorrow
2008-01-20 10:52:00
It's 2:00am and I can't sleep ... J is picking me up from the ferries tomorrow afternoon at around 2:30pm, and then he's coming with me to go check out a place I found on Craigslist.This place seems like a pretty good deal - $500/month (all utilities included) for a 2-bedroom basement suite ... which is way, WAY under budget for rent. It's kind of unbelievable, actually.The guy who owns the house, he occupies one of the bedrooms, but he lives up north, and only comes back down to Vancouver with his wife about once a month for a few nights ... so I would practically have the place all to myself. AND, the entire place is fully furnished (except for my bedroom), so I wouldn't have to buy anything except a bed frame (and also a dresser, since I forgot the one I have is completely shot to hell). It seems like an ideal situation, and the guy seemed really nice on the phone, so hopefully the place isn't a dive, and the surrounding area isn't completely shady.The guy is heading back ...
More About: Tomorrow , Suite , Viewing , Tomo

A busy next few weeks
2008-01-19 19:29:00
The past two months have been moving at a snail's pace for me ... but the last week or so has gone by at lightning speed. I can't believe that tomorrow I'll be moving to Vancouver, and I will no longer live in this city. Not to mention that I'm already starting a new job on Monday. It's kind of crazy, but I'm excited.This coming Saturday, J and I have the Ryan Adams concert in Seattle, and on the Sunday, I think I'm going to come home for the day and pack/organize all my crap. Then, I'll be back over again on Feb 2-3rd, because I have 2 field hockey games and my "going away" party on the 2nd, and a baby shower to attend on the 3rd. Plus, that would be perfect timing to move all my crap over, since supposedly I'd take possession of an apartment on Feb 1st. The weekend of Feb 9-10th I'll also be back, because there's a huge family get-together that I can't miss.I'm going to try to limit my trips back to this city to once or twice a month after February. Not just to try to...
More About: Busy , Weeks

What I'm going to need to buy, post-move
2008-01-19 00:14:00
Well, I've taken an hour or so and looked at all the possessions that I have here in my little basement suite, and have come to the conclusion that some of my items won't be able to make the journey over to Vancouver with me. Thus, I will have to make a trip to IKEA and replace these items relatively cheaply.I have all the other necessary things. Thankfully, over the years I've collected a lot of kitchen necessities and other household items that I knew I would be needing once I graduated college. I'm pretty much set (except for trying to figure out how I'm going to get all my crap over to the mainland - and what about my scooter!?). I will have to buy the following few things though:Bed frame - when I first bought this bed frame 5 years ago, it was the cheapest one you could buy at IKEA. It still looks fine, but it's of really poor quality - a lot of the pieces have been nailed together, and the wood planks are always falling down. I doubt I could tear it a part and then put ...
More About: Post , Move

Some thoughts about my budget
2008-01-18 07:52:00
Thanks everyone for all your helpful comments about the budget I made. To clear some things up and answer some questions, here's some more info about my situation:I do not plan on playing field hockey while I live in Vancouver. While I could think of nothing I'd like more than to play on a team, the league is structured so differently, and games are played all around the lower mainland during any given night of the week. It's going to be to hard to arrange a PT job, seeing J, making friends (and hanging out with said friends), and generally living life if games aren't on set days and times. Especially because I don't own a car. However, I do plan on keeping up with my running, and perhaps I'll join a gym. Haven't decided yet, but if I do join a gym, I will have to budget about $40/month. There's a gym that my boss goes to that's right by work ... which could be perfect for sucking up to him and getting a buff, hott bod at the same time.I forgot about renter's insurance. Ma...
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The job interview in Northern Alberta
2007-12-04 01:38:00
Well, I survived the 4 hr. drive to the interview and back ... although it was sketchy. The roads were maintained a lot better than I thought they would be, but it was snowing pretty hard, and the wind just kept swirling the snow around, making it hard to see anything.The interview itself went pretty well. It was quite intimidating - a 3 panel interview, each of them with their own desk, set up in a semi-circle around me. I did fairly well, and had to write a press release while I was there as well. They also said that they were going to try to reclassify the position from a Coordinator to a Manager, since the successful candidate would report directly to the CAO. The salary range is between $51-63k for the Coordinator position ... and if turned into a Manager position, it would obviously reflect in a higher salary range.It's an interesting job, and to be honest, a lot more suited to my skills and qualifications than the job I was interviewing for in Edmonton ... but there are a lo...
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You want to know what really grinds my gears?
2007-12-03 02:56:00
I just remembered something - I was going through the security check at the airport this morning, and the security guards confiscated my shampoo, conditioner, face wash and face cream! They said that it was their rule not to allow bottles over 50 ml onto the aircraft, but how was I to know that? The last time I was on a plane was in 2005, and I definitely brought many bottles over 50 ml with me in my carry-on. I suppose it's my fault for not reading the fine print on the internet when I purchased my tickets. But what really gets me is I had 3 other (much cheaper) bottles over 50 ml sitting in my bag, and they did shit about those ones. Hell!AND THAT STUFF ISN'T CHEAP!!! Just to replace the face wash and face cream is going to set me back at least $75 ... which really makes me angry because they were practically brand new. Now I'm going to have to research and buy something cheaper. GRRR.
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I know that you know that I know, but don't tell me that you know
2007-12-03 02:38:00
So, I have this friend from Vancouver. We'll call him J for the purposes of this quick little story.Anyway, he said he's found this blog ... at least, I think he has. I didn't even tell him I had a blog. He just found it. Oh, Google. When I asked him if he's actually seen it before, I quickly retracted my question - because, let's face it, I don't really want to know. I don't. Because that would just be weird. I don't want to start censoring what I'm writing about, and it's bad enough the ex-BF knows about this (and I know others of you know too, because I can see what your search queries are to get to this blog!!!), but to have other people in my real life know my financial situation? So unless I just abandon and delete this blog, and start up somewhere else under a completely different name, I guess I'll have to live with it. It's not like I have anything to hide, and I knew what I was getting myself into when I started this journey, but it's still a weird feeling......

It's -21°C here in Edmonton - why did I come here again?
2007-12-02 22:18:00
Well, here I am in Edmonton ... and I have to say, I'm really glad I came here. After getting lost for about an hour and driving the streets aimlessly, then spending a few hours at the West Edmonton Mall, I am now all set up on a free wireless connection in my hotel room - which, p.s., is swank as hell ... and is located right on 100th Ave. It's a brand new boutique hotel, so not all of the amenities are finished yet (fitness facility and business lounge aren't completely ready). The greatest part of the hotel? The stereo in the room has an iPod jack built into it, so I can listen to my music. :)The past few days have really worn me out. Friday night I worked at the arena until about 10pm, and then I went out with a bunch of people from work. It was a TON of fun, and I'm so glad I went ... even though it was a little more expensive than anticipated. I got a little tipsy and lost track of how many drinks I was buying. In hindsight, I probably should have been more careful. My sis...
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Ryan Adams in Seattle. You know I'm going.
2007-11-30 09:02:00
He just announced another West Coast tour, and you know I have to go. This time it's in Seattle on Jan 26th. I got 2 tickets in the 8th row, but I'm hoping to somehow get a better seat. Perhaps I sell my 2 tickets, and take that money to buy 1 ticket in a closer row. I'll definitely get more than what I paid for them, since the concert was practically sold out hours after they started selling tickets this morning ... and I have no issues going to a concert by myself. In fact, with RA especially, I prefer it. That way it's easier and less awkward for him to ask me up into his tour bus, to tell me how much he's missed me since our July 29th trip to 7-11 together.Clearly since I'm not making much money right now, and I can't miss this concert, I'm taking the $$ out of my Travel Fund. The tickets were $98 for the both of them (including Ticketmaster fees), and as for accommodation, if I end up going by myself, I'll stay at the hostel in a cheap room for around $30. But if I go ...
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