Saturday, November 27, 2010

Spending Habits: How much money I have spent this week (November 22-28, 2010)

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This is a weekly review of my spending habits for the week of Nov.22-28, 2010.

Date Amount
Monday Nov. 22 $24.50
Tuesday Nov. 23 $24
Wednesday Nov. 24 $15
Thursday Nov. 25 $43
Friday Nov. 26 $37
Saturday Nov. 27 $0
Sunday Nov. 28 $0

TOTAL: $143.50

The last 2 weeks I’ve made similar posts:

Spending Habits: How much money I have spent this week (November 8-14, 2010) 

Spending Habits: How much money I have spent this week (November 15-21, 2010)

This is week 3 of my expense tracking:

On Week 1 I spent $80.

On Week 2 I spent $189.

On Week 3 I spent $143.50.

 

Final Thoughts

I started this rigorous expense tracking 3 weeks ago to take a closer, introspective look at how I was spending my money. Very honestly and very openly. I’ve already had a couple of those “aha” or “Eureka” moments during  these weeks. I normally pay attention to what I spend, but when you’re living on around $537 a month after all fixed expenses are paid (not including phone bills, electricity, or food) , you not only have to pay attention…you  really have to control every single coin and bill that goes out of your wallet. Keeping a close eye on every cent you spend. So this expense tracking has really helped me get a clear and concrete overview (one that I realize I needed) of how much money I spend daily and weekly.

I realize that I spend on average $75 a week. However, this average is misleading as I was sick on the first week. So the average should be based more on the last 2 weeks, which should be $166.25.

So I realize I spend on average around $166.25 a week.

I realize that I should budget for $181 on average a week - to give myself a realistic buffer.

However, $181 a week would be $724 a month, and as mentioned above, I only have around $537 a month to spend. So no wonder I’m in the hole right now and having difficulty beginning my paybacks to my Dad. I really needed to see this black-on-white. I’ll have to take a good look at my paycheck next month, take a look at the bills I need to pay (because I know that there’s a $124 annual bill that’s coming up very soon), and then budget weekly. What I mean by that is make a budget for each week. And take an overview every fortnight, as well as weekly & monthly. Just to really keep a close eye -and close hold- on my spendings.

 

Well, that’s all for now. Bye, again.

Wednesday, November 24, 2010

25 FREE Things To Do When It’s Snowing

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winter-days-tree

Photo credit: Alexey

So it’s been snowing heavily these past few days, and I must admit, I thoroughly  enjoy the snow! :) It’s cold, yeah, but its’ cozy (indoors) and lots of fun (outdoors)! :)

Here are 25 activities that you can do for FREE in this wonderful snowy winter season:

 

OUTDOORS

Casual

1. Snowball fight.

2. Build a snowman.

3. Make snow angels.

4. Go sleighing down a hill.

5. Go for a walk in nature and enjoy the pristine, newly fallen snow in the fields or in the forest.

 

Hobby

6. Ice fishing.

7. Ice sculpting

 

Sports

8. Ice hockey.

9. Ice skating.

10. Go skiing.

11. Go snowboarding.

12. Go bobsledding.

 

INDOORS

Art, literature, music & film

13. Read a good book

14. Paint a picture

15. Curl up in front of the television and watch your favorite movie or tv-series.

16. Listen to some good music as you look out the window at the beautiful snowfall.

 

Drink

17. Drink hot cocoa – preferably with whipped cream.

18. Make a good cup of coffee to warm yourself up.

19. Make tea and make it a little extra special by adding honey, a lemon slice or other fruit like berries.

 

Food

20. Bake (and eat!) wonderfully warm bread, cakes, cookies, muffins or pies.

21. Eat delicious hot soup to get yourself warmed up again.

 

Love

22. (If there’s a fire place somewhere in sight) curl up with your loved one in front of the fire.

23. Sit down to a romantic candlelight dinner just the two of you.

24. Curl up under the warm sheets and watch a good movie together.

25. Drink a glass of wine each and sit by the window to enjoy the beautiful white cityscape, landscape or just the snowfall.

 

Disclaimer: For some of the activities on the list to be free would require that you actually have the necessary things at home already lying around, like say, for example reading a good book wouldn’t actually be a free activity, if you went out and had to buy the book first, nor would the skiing be free if you had to go out and buy a pair of skis first. So you get what I mean ;)

There you have it 25 free, fun and romantic ideas for activities to do when it’s snowing outside. I’ll be heading off again – to embark on a combination of activities #17 & #18 – I’m off to make myself a good cup of coffee with hot cocoa to warm myself up. And afterwards I think I’ll grab a chair by the window to enjoy the wonderful winter wonderland outside. Have a good, cozy evening everyone!

cup-of-coffee-heart-cozy-winter

Photo credit: coffee

What do you think? Do you have any good ideas for FREE fun things to do when it’s snowing outside? I’d love to hear some of your suggestions. Do feel free to leave a comment below.

Sunday, November 21, 2010

Spending Habits: How much money I have spent this week (November 15-21, 2010)

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This is a weekly review of my spending habits for the week of Nov.15-21, 2010.

Date Amount
Monday Nov. 15 $43.50
Tuesday Nov. 16 $0
Wednesday Nov. 17 $33
Thursday Nov. 18 $33.50
Friday Nov. 19 $39
Saturday Nov. 20 $40
Sunday Nov. 21 $0

TOTAL: $189

Last weekend I made a similar post  named Spending Habits: How much money I have spent this week (November 8-14, 2010).

I began only just last week to rigorously track my expenses everyday. This is week 2 of my expense tracking.

What type of gift giver are you?

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As the Christmas season draws nearer and the stores have already pulled out all of their Holiday decorations out of storage. I find my thoughts beginning to center around buying Christmas presents, and that age-old question “What should I give this Christmas?”

christmas_gift_giving

While wandering around the internet today I found these 2 informative and entertaining blog posts that each have their unique take on gift giving and gift givers. I’ll expand on them below.

In Elizabeth Barbour’s blog post 5 Types Of Gift Givers she demonstrates these different types of gift givers:

1. Creative Gift Giver - Gives the gift of art. Store bought or hand made.

2. Intellectual Gift Giver - Gives books. Gives educational games and toys that open the mind.

3.Wise Investor Gift Giver - Gives U.S. Savings Bonds and other gifts relating to learning the value of the dollar.

4. Experiential Gift Giver - Gives an experience. Gives tickets to a sporting event, the theatre, a concert - or a gift certificate to a favorite restaurant or local spa.

5. Green Gift Giver - Gives green gifts. Supports organizations and companies that protect the environment.

 

In Tony Connor’s post Gift Givers: How They Vary In Intent And Execution he outlines the differences between these 7 types of gift givers:

1. THE STOCKPILER: has been known to hoard gifts for several years.

2. THE ORGANIZER: tends to know by heart the birthdays, anniversaries and other significant dates of their relatives and friends.

3. THE OVERTHINKER: agonizes over every gift they give.

4. THE LAST-MINUTER: leaves gift shopping until the day before (or even on the way!) and refuse to think about the gift until then. They can be seen at the mall or large stores on Christmas Eve with numerous bags of stuff.

5. THE FORGETFUL ONE: forgets peoples birthdays and other occasions. If they do actually get a gift well in advance they will probably forget to bring it on the day. They are gleefully welcomed by the proprietors of mini-marts and gas stations, being their main revenue source for greetings cards, gift cards, boxes of chocolates and those dusty DVDs.

6. THE CRAFTER: doesn't believe that it's a true gift unless at least part of it has had work put into it.

7. THE DELEGATOR: knows when birthdays etc. are but has no interest in what they actually give. They pass on the choice of gift to their significant other, siblings, secretary etc.

 

So the first post focuses on the values behind gift giving, while the second post concentrates on the organizational skills behind the gift giving – or as he himself puts it, the intent and execution. So 2 different takes (or perspectives) on gift giving.

 

WHICH TYPE OF GIFT GIVER AM I ?

christmas-gifts

VALUES

Well, values-wise I am probably mostly a creative gift giver (especially, if gadgets count as “art” too ;), an  intellectual gift giver and an experiential gift giver.

  • I’ve given posters, art, decorations, etc. as presents, as well as electronics and gadgets (creative giver).
  • But I have also given books as presents (intellecual giver).
  • And on a few occasions I have given trips to the movies, and one time on a special occasion, also a trip to the spa (experiential giver).

If I was to categorize my own gift-giving values I guess I would say that I am an “enjoyment gift giver” rather than a “practical gift giver”. Meaning that I want to give people things that will give them enjoyment, experiences, or happiness in some form. I like to give people things that I know they want, but that they would not usually buy. In other words, I wouldn’t buy you a pair of socks for Christmas (even though I know it’s practical), but I would give you a trip for 2 to the movies instead. That’s just my philosophy on this. You’re welcome to disagree. Feel free to drop a line or two in the comments about it. 

 

ORGANIZATIONAL SKILLS

As for my organizational skills, well, let’s just say they leave something to be desired, lol.

I am definitely not a stockpiler, however, I know someone in my family who is. It’s funny, but I can see some of my friends and family members in these different types :)

No, I’m unfortunately an overthinker (hence this blog post!), however I’ve also been known to be the last-minuter and the forgetful one. I laughed when I first read the line about the last-minuter: “They can be seen at the mall or large stores on Christmas Eve with numerous bags of stuff.” That was definitely me, some Christmas’es ago. I once did my Christmas shopping the day before Christmas, and the following year I did my Christmas shopping on the day. Needless to say both times were stressful and expensive, so after that I started planning ahead. 

But on the bright side, I did all my Christmas shopping online last year (the organizer), so I’m getting better! And I’m thinking of doing the same again this year. That’s why I’m already juggling different gift ideas in my head.

So here was a little inside look (for me, as well as for you) at the different types of gift givers that are all around us.

So…

Which type of gift giver are you? Do you recognize any of these gift-giving types in people you know, like your significant other, friends or family members?

Thursday, November 18, 2010

Annual Overview Of Incoming Bills

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I decided to do a post on here with an annual overview of the bills that I receive during the year listed by month. This is to give myself a greater and clearer perspective. So they no longer come “unexpectedly”. Because some of my bills are paid quarterly and annually as opposed to monthly. This list will be a work in progress because I will continue to add to the list as the months progress, adding the “unexpected” items as they arise. But right now these are the “known” items.

 

October:

Public Service TV License: 1140 kr. ($207.50) (quarterly)

Unemployment Insurance: 1173 kr.  ($213.50) (quarterly)

 

November:

Electric Bill: 1051 kr. ($191) (quarterly)

Industry Publishing Listing: 625 kr. ($124) (annually)

 

December:

Real Estate Waiting List: 305 kr. ($55.50) (annually)

 

January:

Public Service TV License: 1140 kr. ($207.50) (quarterly)

Unemployment Insurance: 1218 kr.  ($221.50) (quarterly)

DN: 247.50 kr. ($45) (annually)

Real Estate Internal Waiting List For My Apartment Complex: 200 kr. ($36.40) (annually)

 

April:

Public Service TV License: 1140 kr. ($207.50) (quarterly)

Unemployment Insurance: 1173 kr.  ($213.50) (quarterly)

 

July:

Public Service TV License: 1140 kr. ($207.50) (quarterly)

Unemployment Insurance: 1173 kr.  ($213.50) (quarterly)

Tuesday, November 16, 2010

Off-Topic Link Love

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I just wanted to give a little link love to these two.

cat_money

 

BLOG POST

– he writes an extensive and well-researched post about getting quality backlinks to your blog (well, he is getting one from me now :)

 

BLOG

– the everyday life of a stewardess. The blog’s been around since 2006. A good read when you want a window into someone’s life that’s completely unlike your own.

 

So that’s about it from me today. Bye again.

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