Tag Archives: Spending

Opps.. spent too much this weekend!!

15 Dec

Friday, I got some me time.  That’s right, I headed straight to the mall to eat at the food court.  Super hungry as I had only a dollar samosa for lunch. I ordered rice noodles with battered chicken for $5.76.  Cheap considering everything else at the food court.  I had it in a take out box just in case I couldn’t finish it, but the portion they gave me was minuscule compared to the dine in plate so I just finished the whole thing anyways.

My shopping list isn’t big.  I looked around the mall and bought some gifts.  I crossed off a few from my list.  Later, I filled my prescription and paid up front. But I’ll get reimbursed for it from my health spending account.

Come Saturday, I went in to get my oil changed. They recommended that I get my tires rotated and my brakes checked for extra $60.  Turns out that I have to get my brakes changed and that gonna cost me $500+. Looks like I ran them down pretty good.  I am still putting that on back burner till I hear the squealing brakes lol!

Then I got some place mats for my dining table and Kleenex tissues that were on sale.

This year I got a Xmas bonus gift from my company so I bought a dining set.  For the past couple years, we have been eating on our coffee table in front of the TV.  Last week, I picked the set up from sears. The last leg to the table did not fit the intended screws and two of the wooden chairs were chipped or scuffed up.  So I am still waiting for the replacement leg and chairs.  How disappointing to have new dining set that is of poor quality.

Anyways, I was swipe happy this weekend to the tune of $375 but that’s with oil change/rotate tires, gas fill up, groceries and reimbursable prescription in addition to gifts and household items.  That’s okay right.  Quite conservative??

Oh but I got a $100 bonus from my part time job so that would lessen the blow 🙂

Snow is falling lightly…

10 Dec

Indicating that Christmas is just around the corner.  Tis the time to bust out your wallet/purse for gifts.  Luckily for me, I don’t have a big list of people that I have to buy gifts for.  In turn, saving me the headache of gift hunting and money!  I hate buying gifts, cuz I never know what to get!  Unless, they ask for it.  I think that’s the best way of buying gifts is when people give you a shopping list to buy from!  For my niece, my sister told me to get her Frozen Princess from Disney Store.  Bam, done!  I also got her an interactive Minion for her, cuz she kept on playing with my MCD Minion collection.  I can be generous if I choose to be.

Buying gifts are a waste of money.  Christmas is just another commercial holiday to make the masses spend more money from decorations to parties to gifts.  Most of the time, you’re just making a big guess as to what the recipient would like for a gift.  You’ll probably end up buying something that might just end up collecting dust.  

I received a Kobo Reader and Electric Toothbrush from my BF.  They’re really nice gifts and all, expensive too… but knowing myself, I won’t USE them.  So I made BF return the gifts, so I ended up with nothing!!  But at least, I know his money isn’t spent on useless stuff.  It kinda made him feel bad, but it’s the thought that counts.

Not to bring down Christmas and all.  That’s just what I think behind it.  Sometimes, I feel like a scrooge.  Bah hum bug.

 

Do you spend money everyday?

5 Nov

“Do you spend money everyday,” I asked my friend recently.  The reply was “Yes!”.

“How about myself?”  Well, I certainly do not spend money everyday.  I track my expenses everyday in my spreadsheet.  So I decided to count how many days I spend in a month.  On average, I end up spending money almost everyday as well.  20 days out of the month is a pretty high ratio!  I was surprised by this finding.  Since, I am not a big spender at heart!

Even though, I am spending 20 days out of the month.  My purchases are controlled and small.  I don’t really follow a budget.  If I see something I like or need, I will whip out my credit card to make my purchase.  I lead a simple life.  Most of my major purchases have been made, but there are always things that will pop into the picture which will make a dent in my savings.  I will worry about them later.

Food is my biggest daily expenditure.  Meal planning is an essential to keep costs down.  I try my best to cook in most of the time.  But sometimes, if I’m rushed for time or just plain lazy, I’ll go out to grab a bite.

Here are some tips:

When I do buy lunch/dinner, I try to make it last for another meal if the portion is large enough.

I always order water or tea.  It doesn’t cost you a thing, unless you ask for bottled water.

At Subway, I usually buy their 6″ pizza sub for $4.00.  Not too long ago, I discovered their $5 footlongs.  So now, I buy their $5 footlongs and split them up for two lunches making it $2.50 per lunch!

Tuesdays is a “slow” day of the week.  Most places have a deal to draw you into their eateries.  KFC have their Toonie Tuesdays (more like $2.99 + tax deal) with a chicken thigh and leg plus fries.  Fresh Slice have their $1.25 + tax per slice deal.  Movies at the theaters are usually a few bucks cheaper too!  I’m sure there are other deals on Tuesday around town, but those are the top ones I can think of.

Burger King have their daily King Deals.  $5 + tax combo.  You can even replace their fries for onion rings at no cost.

I am always on the lookout for coupons and deals.  Makes me happy when I get a big bang for my buck!

Today, I spent $121.86!

16 Jul

This morning, I woke up early to pick up free Cheerios Honey Nuts cereal.  I got a free offer from Save.  Love my freebies!  Also, I got one more cereal box for my coworker who’s on vacation… Yes, I am a nice girl…I’m getting Milka chocolate from Germany in return.  So I spent $1.86 on spinach and green pepper at the supermarket.  Damn machine wouldn’t take my credit card, so I put it through my ING Direct debit card.  I am disappointed that I didn’t earn my two cents.

Shopping in the mornings before work saves me gas and time.  I don’t have to fight crowds of people and there’s ample of parking spots for the taking.  So I went to work, a little bit earlier than usual.  I am quick and efficient when I do things.

Lately, I have been good about not buying lunches at work.  This is mostly due to the fact that a couple of my coworkers are away on vacation and I need to stand post at my station.

After work, I met up with a good friend of mine to catch up and have dinner.  We ate fried noodles and fried rice, I was stuffed to the max.  She wanted to treat me dinner.  But I am not the type to always accept free dinners.  I owed her money for Beyonce’s Mrs. Carter concert this coming November 2013, so I gave her $110 for the ticket plus $10 extra to cover dinner.

I’ve never been to a live concert before.  I’m not the type to spend that much to watch someone sing (when I can listen to them on radio or youtube for free), but it’ll be a fun night out with the girls.

So that’s how I spent $121.86 today.  Life is not about scrimping and cheaping out always.  I can be like that sometimes, but I do spend money to enjoy the finer things in life.

I’ve been inactive in the trading business…everything looks high… Potash has dropped below $40, time to buy again?  Or could this be one of those gotcha stocks where it’ll be taking a nose dive?

Shopping Spree!

9 Dec

December is proving to be a bad month for saving already! Tis the season to spend!  It’s not even 1/3 into the month yet… how are you all coping with your holiday shopping?

Gulp, I just drop a few bills in the past week!  Honestly, I am not a big spender at heart.  Sometimes, I feel like I should splurge once in a while to reward myself.  Maybe I shouldn’t have gotten tickets to Cirque du Soliel, but I want to see it over the holidays in a tent.  That’s something I haven’t done before and would like to try out.  I’ve been to Mystere in Vegas, honestly I wasn’t that impressed with that particular show.  So I am giving this another shot!  I’ve heard rave reviews, so I am excited to see the spectacle of the raw talent some people have.  Now, I just have a couple more gifts to get and I’m done!

My new job gave me a Christmas bonus!  With a budget of $500 to spend on myself, I had a hard time deciding what I wanted.  Here is what I got eventually:

  1. Firefly Classic Jael Insulated Jacket- $100.79
  2. Nexus 4 16GB- $421.11

Gift for others:

  1. Hoodie & Shirt- $15.00
  2. 2x Tin Cans assorted Purdy’s Chocolates- $33.54
  3. “Amaluna” by Cirque du Soleil- $128.00 for two tickets (Partial gift)
  4. PS3 Game- $55.99

Stuff for myself:

  1. Cannon All in One Printer- $40.87 (for those just in case situations)
  2. Puma Asha Women’s Sneakers- $71.12 (last couple of runners I got, I was unsatisfied with my purchase afterwards)

Eating out:

  1. Snifiki Greek Restaurant w/BF- $29.08

 

Food Bill Analysis

30 Nov

Eating out is an easy, convenient route to satisfy your hunger.  Yet, this miscellaneous spending category can seriously make a dent in your budget if you don’t try to limit your outings for food!   Treating others to a meal I think is the most costly to your own food budget.  It’s nice to be generous from time to time, but never let it get out of hand where you get nothing in return!

For the past year, I have cut down on going out to eat.  Making most of my meals at home from breakfast to dinners have reduced my food bill dramatically, but there are times where I long for some tasty delights that I can not concoct myself.  My suggestion is try to find a balance.

Setting a budget for food is great, but if you go over your limit, does that mean you’ll have to starve yourself for the rest of the month?  It’s okay to go a little over budget for food since it is an essential item to keep you alive!  Just make sure for the next month, you try to not repeat the same mistake again in overspending for food.

On a monthly average, I spend $278.18 in total for food.  I usually spend $124.40 on groceries (BF & ME) and $153.78 on miscellaneous eating out.  Month to month, it does fluctuate depending on the occasion.

November 2012: $250.13

Groceries:  $70.03

Eating out: $180.10.  Break down below:

  1. Treated BF for dinners $98.18 (Cause of my reduced rent)
  2. Treated friend for dinner- $36.84
  3. My own dinners & snacks- $19.36
  4. Groupon for 2 burgers & drinks- $14.00
  5. Lunches at work- $11.72