...you have been an interesting one.  The past couple of weeks have been full of ups and downs.. but that’s life

 

To cut a long story short the BF and I have been having our issues of late and a lot of them steam from him lying to me all the time, mainly about money and they fact he started smoking again.  Then I had two teeth brake in the space of a week and it wasn’t covered by my insurance (money I don’t have to get my teeth fixed right before Christmas) and a small medical issue that is resulting in me having terrible mood swings which has caused me to avoid people cause I am afraid of getting angry at them.. and just to top it off I gained 4 pounds over the month..

 

BUT there is always a plus side.  I had a great talk with my doctor who is helping me with my issue, saving up monies for the present fund has come in so handy for buying gift this year and none of the presents where used on credit.  Even though I gained 4 pounds over the month, due to all the goodies coming into the office, I am still making time for the gym and things are looking good on that front.  I guess the weight gain could be worse.. and the travel budget for Disneyland is looking pretty good..

 

So despite the setbacks I am going to take Christmas with a smile on my face.  I will not let this month defeat me.  Yes I have had some pretty nasty moments this month but I have some amazing friends who have been willing to help me get through them.  Tonight is Christmas Eve so I will let the cheer enter me AND will be cheerful for tomorrow..

 

As my mother says.. this too will pass

 

Merry Christmas everyone

 

 

So this week has so far been an interesting one.  First we finally booked our trip to Disneyland.. WOOOT.. leaving Jan 18.  We wanted to book it quick so we can plan for it.  We are taking our friends two girls with us cause they are basically like family.  The problem was that with our savings and the sale we were still 500 short.  So I had to borrow it from the Line of Credit.

 

So here is the interesting part of the week.  I had enough money to pay off the card in Australia.. nearly $900.  So I paid that off.  Now I bet some of you are thinking why I just didn’t use the money from that fund to pay for the tickets and then replace with the budget.  Well I thought about that and this is the reasons why

 

-          The interest is 21% on the card compared with 7% with the line of credit

-          Each time I send money to Australia there is a transfer fee of $40.00

-          Having the Aussie card/s paid off completely can allow me to focus on the Canadian Card and line of credit.

 

So that is why I did that.  I paid off another credit card in full but borrow money to pay for the trip.  So really my total debt only went down about $400.00 but ill be saving money on high interest and fees to send money..

 

AND we got our trip booked for Disneyland.  Flights, hotel, 3 day park tickets and transfers $2500.00 for a four star hotel right next door to the park.. now comes the saving for the spending money.. and the research on how to save money while at Disneyland.  This should be an interesting one.