It was Wednesday. It was payday. And my Hubby had transferred money to my account. Guess what I did this morning before breakfast? I paid bills, of course!
That made me think about my goals for the year. How am I doing with those? What should I work on this month?
Overall, I'm doing well with the money. Both the Home Depot payment plans are history. That's just over $1,500 worth of debt we've paid off between about November and now. I have post-dated cheques for another debt we're chewing away at and I'm on track with that. I've opened a TFSA and there's already $150 in it. I have $10/week going into my ING Emergency Fund. No, that's not a lot but it's going in there nice and regular. The IKEA account is all paid off and can no longer be used because they changed companies that provide the credit card services. As of today, I think I'm current on all my bills. The one thing I still need to do for this pay period is to go to the credit union, take out $45 in cash and then deposit it into my other credit union via the ATM. That's the set-aside money each payday for my electric bill, garbage, property taxes and fuel oil at our rural home. Next winter, when it's time for a fuel oil delivery, I'll have the money all saved up.
On the other hand, I've been charging stuff for the city house on my MasterCard. In fact, Capital One put a fraud hold on my card after the third time I used it in 2 days! What did I buy? I spent $20.11 at IKEA on 4 D cell batteries, 10 votive candle holders and a pair of sheer drapes (2 panels). I bought $129.37 worth of DriCore (including a levelling kit) at one Home Depot and, the next day at a different Home Depot, I spent $229.75 on tiles for the foyer and 3rd bedroom, as well as concealing film for the bedroom windows, a closet pole that will fit Dear Child's closet at the rural house (it's an odd size) and a grouting sponge. Bad? Not really. I had to buy the reno supplies before the end of January to be able to cash in on the home renovation tax credit. And I needed the supplies to finish important projects that will make our part of the house a lot better looking. Plus, I've paid down $149.48 of that already today.
The fraud thing was actually pretty funny. I've barely used the card over the past year or more, so 3 transactions in 2 days was obviously suspicious! I got that all straightened out with a quick phone call.
What are my goals for February?
1. Pay for Dear Child's birthday party.
2. Pay at least $229.75 to MasterCard
3. Stay current with all the other bills.
4. Get the treatment plan for DC's dental surgery and figure out how to pay for that.
5. Make arrangements for Dog's Passover vacation and pay at least $100 towards that.
Got any goals for February that you'd like to share?