July 2018 Goals Review

  • We got married last week and I went into a wee bit of debt after becoming debt free. My goal is to clear this debt. Fail! This will take another month to clear
  • Continue intermittent fasting (16/8) 6 days a week. This method has helped me lose some belly weight. Fail! I could only do 5 days a week. Weekends are a free for all. I want all the pizza in my mouth!
  • Purge closet again. I feel I have too much clothing again although my husband says I don’t at all. Pass!
  • Get rid of uncomfortable shoes. I was going to wear these sexy, gold heels to dinner after we got married but my feet said NOPE! I decided then and there that I am finished with uncomfortable shoes. Pass! Good riddance stupid heels!
  • Work out 20 days of the month Fail! I only worked out 18 days
  • 15 no spend days Fail! Probably the closes I’ve been to this goal: 12 no spend days

July was a month of failure. Haha!

I received my $19,467 cash lump sum pension payout

Yeah, so that ^^ happened. It took 9 weeks for the pension people to process my paper work. I’m getting about $79K deposited in a LIRA at Questrade and I received my cash lump sum payment with 30% taken off for taxes.

I immediately paid $2,235 to my MBNA Mastercard. I paid $815 to the CRA for taxes I owe. I put $15K into my line of credit at 6.7% interest. I still have $14,888 outstanding on another Mastercard but I’m going to wait until March 13 to pay it since the 0% interest promotional period is over on March 17. That’ll save me about $40 in line of credit interest for this month. I also socked away $220 for our elopement fund and set aside cash for this month’s expenses. It’ll feel good to finally use cash/debit.

How do I feel? I feel like I cheated the system and that I didn’t pay my debts through hard work. It’s silly to feel that way because it is my money that I saved but I am taking away from my future retirement money to pay my debts.

How much debt do I still have? I now have over $14K in consumer debt. I never thought I’d get to this point. To put things in perspective, I had over $81.5K of debt at the end of November 2014.

I owe the CRA again. ☹

Ugh is all I have to say. After paying off over $20K of my CRA debt, I thought I’d never owe them again. Wrong! When I switched over to my boss’ private company, the incompetent business manager deducted the wrong amount for federal and provincial taxes for about 10 bi-weekly pay cheques before he noticed. He never gave me a pay stub which my friend pointed out that I am entitled to my pay stub for every pay cheque.

I calculated how much I’d have to contribute to RRSPs to offset the amount owing. Turns out I left out one entire monthly pay cheque from my old position and when I entered my numbers into the tax program, it said I owed $815. Ahh!!!!taxesI know it’s not entirely the business manager’s fault. I should have known never to rely on people for everything but I assumed he’d get it right since it is part of his job. But it’s also my job to be aware of everything that is going on. I’ve double checked my pay cheque for this year’s tax calculations and he is deducting the correct amount from my pay cheques.

I’m not going to file my taxes until this amount owing is paid off. I don’t want it to show up on my notice of assessment because I need to renew my mortgage in the summer. This amount isn’t the biggest in the world but it’s a little discouraging considering I had just paid off the amount owing to the CRA. Oh well, another lesson learned!

Planning for 2018

I am a planner. I need to have a plan for everything I do. I think that’s why I was so frustrated with The Ex. He was more of a “fly by the seat of your pants” type of person which drove me nuts. I am happy that I am with someone that appreciates my planning because he is also excited for the next chapter of our lives together.

In 2018, I plan to:
● elope/get married
● pay off consumer debt
● rebuild emergency fund
● start saving for a house down payment
● start a baby fund
● prepare my body for pregnancy

Damn! Looks like 2018 will be a big year for me which seems to involve a lot of money. I am also working on a secret goal that I hope to share in the first quarter of 2018 if I’m successful in achieving it. Fingers crossed!

How I met my fiancé

I didn’t exactly have high hopes for myself once I decided to dip my toes back into the dating pool. I knew I wanted to ease myself back into it but also wanted to be able to do it from the comfort of my couch while sitting in my underwear and stuffing my face with pizza or let’s be honest, from the comfort of my toilet.

Enter Bumble. It’s described as a feminist Tinder in that women have to make the first move within 24 hours after being matched with someone or else that match disappears forever. Dun dun dun! I liked that concept. I’ve taken control before and asked guys out. How hard could this be?

I downloaded the app and made my profile. Soon, I was humming and hawing over each match. Do I swipe left or right? I don’t even remember if a swipe right is a yes or no but I was pretty picky with it. I wanted someone who had the same hobbies as me and was down to earth. I saw a lot of people I knew which was kind of awkward. My game plan took me forever to get through the matches. It all went out the window one day when I felt overwhelmed and I started basing my decision on “would I sleep with this dude?” I rarely swiped right and then I landed on my now-fiancé’s profile. It was a shot of his perfectly chiseled chest and abs from the mouth down. “Damn, who dis?!” I thought to myself. I’m not sure why but it took me forever to make a decision. I just stared at his pictures trying to figure out how such a handsome and fit man was single? Then my ego popped into my head and said “well, you’re hot and single as well. He might be in the same boat as you. Would you sleep with this dude?” Before I knew it, I swiped right. I was shocked with myself but carried on with swiping. Soon, I was met with a “We’re out of matches for you”. Well, shit. I’ve just been through the whole city from the comfort of my own toilet.

Imagine my surprise when that fine specimen of a man messaged me back. Joyest of all joys! We messaged back and forth in the app and soon exchanged numbers for texting. I was starting to really like the guy. He had the same humour as I did, liked doing the same things and also hated all people (inside joke but also not totally kidding. Haha!). Then all of a sudden, the messages stopped. I was sad. I had finally made a connection with someone and they just stopped messaging me. Was I being ghosted? Was it something I said?

A week passed and I was both angry and sad. I tried to get over it. I messaged him on the Bumble app and texted him but no reply. My imagination went wild. Was he cat-fishing me the whole time? Was he a married man and his wife caught him messaging me? Or was “he” a woman?

I finally got a message from him saying that he had dropped his phone (right, buddy, right) and that he was sorry. He even sent me a video of his phone on the fritz (aww, that was a cute touch). I wanted to call his bluff so I said we should meet up and invited him to my birthday potluck. He told me this later but he shit his pants and declined the invite. I, however, was very persistent and wanted to see if this guy was for real so after day drinking in the sunshine at my potluck, two friends and I decided to go to the club where he worked security on weekends to see if he was, in fact, real.

We rolled up into the club and danced. I didn’t see him anywhere and it was time to go. My friends had to use the washroom and that’s when I saw him. He was real!!! OMFGLOLWTF! I drunkenly looked at him then walked up to him and gave him a hug. I also tried to cop a feel but couldn’t find his butt. Don’t judge me! It was my birthday! Yes, I was a grown ass 33 years old but he told me that by coming to his work showed that I had initiative and he agreed to meet up with me for a walk in the park the following Wednesday. He was super cautious in who he dated (long story but he got involved with a transgendered girl that he didn’t know was transgendered until one of her ex’s messaged him. Can you start to see how we both have unconventional dating histories?). He said he was super nervous for our walk but the rest is history. Everything has been so easy since we got together. I think I’ll leave out some parts when I tell our kids how we met. Ahaha!