2023 Financial Goals/Resolutions

[Frugalbigmama]

@Frugalbigmama if you look in the Shoppers flyer posted by Cyn it shows a gas points offer at Esso/Mobil - Jan 26-29 I think ... 2000 points WUS 20$ or more on fuel

Thanks! I just read that (and posted it to the Jan chat group )

[Frugalbigmama]

Feb 01- $0 Spent so far It may be only after noon but I'm trying to look at the positive side of things

[Ciel21]

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[GoodBoy]

First of the month. Did all the investment review YTD and MTM. Jan was a very good month. Also extended cash flow tracking into April. Really a great way to see if an unexpected cost is going to cause issue with the minimal $$ left in Chequing and xfer from online back to provide backup. CPP payments went up this year but RRIF went down due to crap year last year. Still good and sadly can afford to live until 105 and no way I want to do that!!! ROFL

[cath007]

I need to sit down as soon of possible and take the time to redo my budget....
Mark and quotes everything down...because I am way over budget the last 6 months and that has to stop ...
I had the number of my gain and my spending and it is not even balanced properly...
So afraid to do this but it will be a needed eyes opener..... cut cut cut and cut...
Need to buy less in grocery...even if I am pm ,use coupons and points,....I spend way to much..

[Frugalbigmama]

Payday tomorrow so budget clean up.

All bills paid.

Long needed vehicle repair complete and paid for. (Happy to have her running in tip top shape- Going to give her a good cleaning this week)

Full freezer/fridge and gas tank so minimal spending in those departments the next while.

Continue on decluttering. Move stuff to garage for big Spring garage sale. It's all gotta go!!

[Frugalbigmama]

Payday! Budget clean up time!

Will pay the bills. Put the money aside for future bills.

Pushed forward
$160 gas (car)
$150 groceries.

Groceries- We really don't need anything. Have fresh stuff to use up. Freezer is full and have moved stuff to top shelf with plans to use up over the next few weeks. Will look at the upcoming flyers but thinking I will not be shopping the next week for sure.

[Frugalbigmama]

Payday coming up so budget clean up!

Pushing forward to next budget period
$260. gas (car)
$270. groceries

Groceries- Just buying fresh stuff the next 2 weeks. Using change/cash in my shopping bag. (Bought 6 butter so far this week-Will give DS a few)
Gas- Filled up tank yesterday at $130.3L (price at home is $146.6L!!) Will top up in a few days with change/cash in shopping bag so it stays full and not touching my budget amount.

PC pts

$290.00 Card #1
$21.00 Card #2

[Frugalbigmama]

Payday tomorrow so cleaned up the budget today.

Pushed forward $100 for gas (took $100 from it for something)
Pushed forward $390 for groceries.

Groceries- I spend $18 today on bread/buns/veggies/fruit for meals. We have stuff to use up and meals/leftovers to eat.
Will plan meals the rest of the 2 weeks with what we have on hand. Will use cash on hand and not touch grocery budget so it can carry forward.

Gas- have 3/4 of a tank but will top up today/tomorrow.

PC pts- Redeemed $20 from card #2.

[Frugalbigmama]

Payday tomorrow so budget clean up!

$200.00 pushed forward for gas for car
$510.45 pushed forward for groceries (I will shop with change this next grocery period and only for fresh stuff/few sale /stock up items so our grocery budget can have a nice balance) (really trying to use up old stuff from the freezer)

Moved money to account for property taxes (3rd payment will be due July I think) and car/house insurance (Due June/July)

Have a credit on 3 credit cards but best one is $213.00 credit to cover Winter tire swap and future oil change (shouldn't need that for awhile but glad to have it paid for when needed)

Travel Account- Building up nicely. Put extra $ in it each pay. Also have a Cash vacation fund that is building nicely (my mom and sister both gave me US $ for Christmas/Bday)

Planning a huge garage sale very soon (everything must go!!) ...all money will be put aside for house stuff.

[lilo0003]

April is a great month for us financially because both DH and I receive our annual bonus. Most of it goes to RSSP to avoid the tax hit but since we have almost no room left a chunk was paid out and so it pays off the fridge and a portion of it will be set aside for the 2024 cruise which is our 30 wedding anniversary gift to ourselves. We have a significant amount of cash set aside for the down payment for the NS home. We are meeting with an agent this month to begin the search. But because we are not selling in Ontario yet we will need to take on a mortgage and we are not feeling a rush to buy because we can stay with family when we are out there.

[Frugalbigmama]

Payday so budget clean up.

Moved forward Gas and grocery budget $ from previous period.
Transferred $100 into Christmas account.
Paid Bills.

PC Pts

Card #1 $452.00
Card #2 $3.50 (this should go up this week as I have a few offers I am planning on using)

[Frugalbigmama]

Payday on Monday so budget clean up.

Moved Gas and grocery budget $ forward. No plans to touch over the next week as I have cash for groceries to use.
Paid all bills.
Credit on all cards. (one I am building credit to cover up coming expenses (oil change etc)

PC Pts
Card #1 $387.00 (I used $70 in points this past period)
Card #2 $37.00

Groceries- Fridge is clean and freezer is stuffed. Plan to use freezer stuff for meals and just get fresh stuff needed to make the meals great.

[Frugalbigmama]

End of the month budget clean up.

PC Pts

Card #1 $390
Card #2 $41
(no plans to redeem the next while so will try and build them slowly)

Groceries- Have a bag/wallet of change that I am using for the shopping. Really just buying fresh stuff while trying to use some stuff up in the freezer.

Have a weeks vacation planned in June but money aside for that.

Pretty simple/quiet month.

[Frugalbigmama]

Mid Month Budget update.

Bills paid up to date.
Topped up gas tank yesterday.

Points:
PC card #1 $402.00
PC card #2 $48.00
CT $ on the card $85.00