Wednesday, November 5, 2008

November Financial Goals

Back on October 26th I wrote that my financial goals for November are:

1. Not to charge anything during the month.
2. To pay off IKEA.
3. To start paying down my MasterCard.

It's 5 days into the month and I've already put money towards MasterCard and have made plans to pay off the IKEA bill a week from today. That feels good. I'd like to put another $100 toward the MasterCard by the end of the month but I'm not 100% sure I'll be able to, what with the other things I need to do.

I also haven't charged anything in the month of November but there's still plenty of month left, so I shouldn't get all proud of myself yet. Besides, until I paid that $83 and change I was so close to my limit that I didn't dare charge anything.

But I did encounter a situation where I might have otherwise been tempted to use my credit card. As you may have heard, Linens N Things is declaring bankruptcy and closing all their stores. I took my Eldest Daughter to IKEA to return something on Sunday and to get some missing parts for something else and we saw the massive signage at LNT (very close by) so we went to check it out.

Prices will probably drop further before people get really excited. Right now things are anywhere from 10% to 30% off, with only things like duvets at the 30% discount right now. I wanted three things and I got two of them. First, I was looking for a wedding present and I found something I liked at a decent price. Second, I needed a curtain rod for those living room curtains I charged a month or two ago. I found a nice, slim rod and some matching finials. The whole thing was 10% off and the finials were also already marked down $10! (Now I just need Hubby to get handy with a drill and put the rod up!)

What I didn't find were comforters in a pattern that will complement the sheets we bought previously at LNT. I was hoping for 2 full/double comforters and there were only a couple of twin size and a king. They have something that looks like a cross between a blanket and a duvet (but very, very thin) in the right colour and size but far too thin to be using instead of a duvet or comforter. Plus, I think they were regularly $79 each, with a 10% discount. The comforters were only $99 each regularly and much warmer and more useful. Of course, that's probably why they're all sold.

Anyway, I bought the items I needed and nothing else! Plus, I used my debit card for them so there's no worrying about how I'll pay for them.


debtfree2009 said...

Good goals for November. Great that you paid cash for your LNT purchase.

Shevy said...

Yes, it feels good to pay cash and not have to worry about the bill coming later!