Sometimes. While in school I was quite frugal. This sort of just continued once I graduated and owed a lot of money. I have slowly allowed myself to spend some of my money though. I have bought some technology (DVD player, ipod touch, smartphone, laptop). I have also spent money on a vacation. However I do not have a house, a new car (mine is going on 13 years old) like many friends do. I have bought all of my items with cash though, and I know several friends have bought their luxury items on credit.
What's your typical meal?
Sandwiches are typical. I do like to make a nice meal once a week but this is going to change soon when I move in with D. I expect more nice meals, however they will need to still be relatively low budget.
Sandwiches are typical. I do like to make a nice meal once a week but this is going to change soon when I move in with D. I expect more nice meals, however they will need to still be relatively low budget.
Love clothes. I do not live close to any malls though which is probably a good thing so I don't get to go shopping very often. We have few stores I would actually buy clothing at in my town. I go clothes shopping about two times a year.
What about going on dates?
Do you indulge in any luxuries?
I was never this way before. But since my debt has been paid off I have allowed myself more luxuries. I do tend to purchase my lunch more than I should, I hope to stop this when we move in together. I generally spend under $7 but that definitely adds up if I'm going out 2-3 times a week.
Do you have health insurance?
Yep. I live in Canada so it's free. I do not have additional work benefits though so I end up paying out of pocket for any prescriptions and dental appointments which are costly over the course of a year.
Do you have any savings for emergencies?
Yes, I have about $2000 saved for an emergency. It's not a lot but it's a start for now. I do have a planned savings account as well that has $15,000 in it that if needed I could access. Once we move into the new apartment I will see what a typical month would be and try to work my way up to 6 months for an emergency fund.
Do you anticipate or look forward to having a higher salary one day?
Yes! And can hardly wait. I went to school for 5 years and received two degrees and I really hope all that work was worth it. I want to teach but don't know if I can last another 3-4 years just supply teaching. The money is not great, it's hard to plan on an inconsistent income. I have earned more every year since graduating though so small steps.
What about retirement--do you plan on ever saving enough to retire?
I sure do! I have started which is something right? I have $1000 in regular RRSPs, $1500 in RRSP GICs, and $500 in a Mutual Fund. I should be saving more and will continue to tuck away when I can. Less than 40 years left!
I was never this way before. But since my debt has been paid off I have allowed myself more luxuries. I do tend to purchase my lunch more than I should, I hope to stop this when we move in together. I generally spend under $7 but that definitely adds up if I'm going out 2-3 times a week.
Do you have health insurance?
Yep. I live in Canada so it's free. I do not have additional work benefits though so I end up paying out of pocket for any prescriptions and dental appointments which are costly over the course of a year.
Do you have any savings for emergencies?
Yes, I have about $2000 saved for an emergency. It's not a lot but it's a start for now. I do have a planned savings account as well that has $15,000 in it that if needed I could access. Once we move into the new apartment I will see what a typical month would be and try to work my way up to 6 months for an emergency fund.
Do you anticipate or look forward to having a higher salary one day?
Yes! And can hardly wait. I went to school for 5 years and received two degrees and I really hope all that work was worth it. I want to teach but don't know if I can last another 3-4 years just supply teaching. The money is not great, it's hard to plan on an inconsistent income. I have earned more every year since graduating though so small steps.
What about retirement--do you plan on ever saving enough to retire?
I sure do! I have started which is something right? I have $1000 in regular RRSPs, $1500 in RRSP GICs, and $500 in a Mutual Fund. I should be saving more and will continue to tuck away when I can. Less than 40 years left!
Think I am going to do one of these. I enjoyed this.
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