The first goal that I wanted to accomplish in 2013 was to get the balance of my chequing account balance up to $1,000.00 to avoid the monthly banking fee. The balance in that account is now less than 50 bucks and at this rate I will have to wait until I get my tax return in April or May. I had planned to put the tax return directly in to my RRSP (registered retirement savings plan) to help me meet my savings goal for 2013 and ensure a tax return next year. I set a goal of saving and keep a $1,000 balance in the chequing account but I did not figure out a plan for how to get it there. Part of the reason for the No Spend month in January was to free up cash but it doesn’t seem to be happening and there is only 1 more pay period in January.
I am working the afternoon/evening shift today. So many people have the flu that it will be a crazy circus again today. I got my flu shots but I guess thousands and thousands of other people didn’t bother and they are all coughing on me this month. Cough and sneeze in to your elbow and not on me. Don’t stand behind me and cough and so that the force of the cough makes my hair move —true story. That inconsiderate/stupid cougher was a coworker who has had germ and hygiene training but forgets all the rules as soon as she got sick. This minor rant may seem to be off the basic finance track of The Money Puzzle but I am out of sick days so if I get sick I will not get paid. Don’t cough on me.
January No Spend Update
The car is on E again. I haven’t driven very far but my windows were iced up before and after work yesterday and the car ran and struggled to generate heat while I scraped and scraped and scraped. I will have to use $15.00 of the remaining $17.00 for gas but that won’t see me until the end of the month. The colder it gets the more the car devours gas.
In good news I received a Costco cheque from American Express for $8.49 as a rebate for using my AMEX last year. I didn’t get an AMEX until last fall and I didn’t use it very much. The arrival of the AMEX cheque reminds me that the Costco membership rebate cheque will arrive soon. We are almost out of dog food and I will have to cook them some rice and meat with freezer burn to keep them from staring at me with their big sad eyes.
And now I owe, I owe so off to work I go.