December 2018 Goals

  • Pay $2000 towards debt
  • 20 No Spend Days
  • Put potential bonus towards RRSP so as not to be in the 36% tax bracket

I can’t believe it’s December already. I admit I have the winter blues. I’m using my SAD lamp and taking vitamin D but on some days, I’m just not feeling it. I get angry when I have to drive into work when traffic is bad due to snow and think about the money The Ex owed me which I have written off ($30K). I don’t want him in my life and he was taking forever to make payments but it would help in sending my husband back to school or we could take a honeymoon. Oh well. I know good ole karma is taking care of him right now.

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November 2018 Goals Review

  • No unnecessary spending. I’m in austerity mode now. I’m so tempted to put my credit cards in the freezer. I’m aiming for 30 no spend days. Fail! But I had 20 no spend days which might be the highest I’ve ever had.
  • It’s a 3 paycheque month so that means I can put up to $4500 towards debt. That’s just my pay alone. PASS!

No Spend November was a semi-success if I’m to stretch the truth. I succumbed to several Black Friday sales unfortunately. I picked a bad month to try this and am going to try again for December.

November 2018 Goals

My main goal this month is to put a LARGE dent in the outstanding debt .

  • No unnecessary spending. I’m in austerity mode now. I’m so tempted to put my credit cards in the freezer. I’m aiming for 30 no spend days.
  • It’s a 3 paycheque month so that means I can put up to $4500 towards debt. That’s just my pay alone.

October 2018 Goals Review

  • put $3000 towards our new debt of $7900. Doable since husband finally got a job in his field. FAIL! This hasn’t happened yet because my husband had to take his car in to get fixed.
  • 20 gym days PASS! Bang on 20 days!
  • 18 no spend days PASS! 21 no spend days
  • start using the Rosetta Stone to learn French and complete Level 1. PASS!

September 2018 Goals Review

 

  • pay off elopement debt Fail! Although husband finally got a job in his field and will be working a lot. This debt will be gone by the end of the year.
  • workout 20 times Fail! I only went to the gym 12 times last month. 12! I was sick for a week though.
  • 18 no spend days Fail! 14 no spend days.
  • no holds barred purging of crap I don’t need in my condo Semi-pass! It wasn’t exactly no holds barred purging but I did purge some stuff.
  • think of new, challenging goals for next month Still thinking…. haha!

Well… fuck.

Where to start? I was $3000 in debt from our elopement and other things. It was starting to drive me crazy so I threw the start of our emergency fund towards it to knock it down to $1600. That made me feel better. Then my husband wanted to have a serious talk about something he wanted forgiveness for.

Previously, he had told me about how when he was a university student, he had walked into a bank and just wanted a $500 limit credit card. The bank, of course, offered him way more credit to suck him in. What he didn’t tell me was he was still servicing this debt until a couple months ago. Long story short, the job market hasn’t been kind here while my husband is finishing his certification and he missed a couple payments. The debt got sent to collections and he was stressing about this.

I was skeptical of the collection letter at first and made him pull up his credit report to match the debt to the one listed in the letter. He told me that the collection agent had said my name to him and asked who I was and proceeded to tell him “why would you get married when you have no job? That’s stupid.” Pretty scummy, eh? But I admit she had a point. It doesn’t look good to an outsider but I know what our circumstance are and that it’s not permanent. I don’t care what this lady thinks.

I researched the debt collection company to make sure they were legit. They wanted a payment of $6200 within 24 hours and another $1200 in 90 days to settle the ~$9000 debt. So I used my line of credit to make a payment and then used a 1.99% balance transfer to pay off the LOC.

At first I was ok with it. What’s mine is his and what’s his is mine. This is marriage, right? I’m a little disappointed that he didn’t tell me this before especially since I’ve been transparent about how much debt I had from The Ex. He said he felt embarrassed and didn’t want to put me through the same thing as The Ex which is exactly what he’s doing right now. He promised me that he’d funnel all the money he’s making to pay off the debt. I know he’ll hold true to his word.

Now I have $7900 of credit card debt and it’s driving me insane. It’s back to austerity mode for me and a possible Christmas season job to pay this off quickly! Fuuuuccccckkkkk!