About Me

Thursday, October 27, 2011

New Job!

I forgot to mention that I had an interview for a serving position on Monday. It was really casual but went well. It's for a Japanese restaurant. They make the best sushi I have ever had!!

Anyway the manager called me tonight and I got the job. I start training TOMORROW!!


So I compromised with D and we are going with the one he liked better. It's not nearly as nice. It's an old historical building instead of the newly renovated one I liked. It's a bigger space but it's not nice. Like cheap cupboard doors, flourescent lighting, 70s laminate tile in the kitchen and bathroom. We will make it work though. No dishwasher. But the landlord threw in laundry for us.

However yesterday the other landlady (it's a married couple) said that we would be charged $4 per load on the honour system when her husband told us twice that it would be free. I emailed her back and she said today that in fact it would be free for the year. Lack of communication already, not too impressed.

I had to get a start on the hydro billing, transferring it to our name. D and I are going to look more into internet options in our area. I think the best option for us will be Bell which is about $45 per month with no contract.

I've started packing and I really don't mind it, I don't like moving or unpacking though ugh. Last night I bought a couple of storage containers to help with the packing and while at the store bought a couple kitchen items. Like wine glasses!! No longer drinking out of glass tumblers, we're going to be classy! I bought a jar opener because it's sooo beyond frustrating when I cannot open something and no one is around. It happens more often than it should. I bought a cheese grater since my parents sort of took over mine. And a small frying pan for the same reason.

I packed a bunch of stuff and went to storage and took out a bunch of things I will need that I had in there since I graduated university. While packing I got rid of a bunch of stuff I no longer need and clothes. Will donate the useful items to the Salvation Army here.

My parents said they plan to move into my room once I am out. I am leaving all of my teaching stuff here though which actually takes up MOST of my room. There is no need for it at the apartment since it will just take up space and I'm not teaching full-time.

There is no one living at the apartment so I asked if we could start moving some things over this weekend. I don't know if they will agree to it, but it doesn't hurt to ask! I hope to get some pictures up soon after we settle in.

Thursday, October 20, 2011

Move In Date: November 1

Ah, so last night was a bit of a crazy night.

My brother came over. He is the one that recently split with his girlfriend (of close to 10 years). She moved out of their apartment and he is left with a two bedroom, beautiful place with a $900 plus all utilities rent. He asked me if I was still looking for a place and I said yes and he said that I could move in for $400 plus half the utilities. He told me he already asked our brother who declined. He mentioned he's going to need a roommate pretty soon.

I feel bad for him. I would love to be able to help him out, but I honestly can't live with him anymore. He's an awesome guy but we butt heads too often, he is quite pessimistic about things, and has an opinion on everything and he can bug me like no one else! It just wouldn't work.

Besides D and I had a showing and were scheduled to drop off our application to that place I loved.

The place I loved is on the river, has a balcony, first floor, 1 bedroom, dishwasher, completely renovated and modern, in an apartment complex, has lots of storage (including a storage unit), and coin laundry.

The place we viewed was right in town. Parking was across the street, it had no appliances but he said they would be in by Nov 1st. There was coin laundry but he was going to install a washer and dryer in the unit, it is a heritage building above buisnesses. It's two bedroom.

What I don't like about the river unit is that it's a small kitchen. But it's just so modern looking with enough storage that I can look past that.

What I don't like about the in town building is that it's old (nothing modern about it), it wasn't clean, had no dishwasher, appliances weren't in the unit so we have no idea what we would be getting, it had florescent lighting, little counter space (even though the kitchen was bigger), and parking is across a busy street. A balcony would just be bonus.

D likes the in town building WAYYY better. I liked the river one WAYY better. We discussed it for over an hour. He likes the in town one more because he would have the space to hang his dirty work clothes. I was trying to describe how there would be space for it at the other place but he disagreed, and said it would be bad looking and smelly. He liked the idea of a separate room for it. Ugh. The other one would just make me happier!

I finally agreed that if it came down to it, that I would compromise and we could live in the town apartment but he would have to do all the dishes. The river one is ours if we want it, the in-town building is ours if a couple decides they don't want it tonight. We will know around 4:30 today. I hope that couple pulls through and decides to get it!!

Either way, we have a move-in date set for November 1st! Eeek!

Living On Less

Got this from Serendipity

Do you avoid a lot of the expenses that many of your peers spend money on, such as technology and meals out?
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. 

What about clothes? 
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?
D likes the more expensive dates. I am all about a home cooked meal and a movie online. He prefers things like scuba diving. We are going to be living together shortly though so we will have to come up with more ways to spend time together without spending a lot of money. 

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!

Wednesday, October 19, 2011

Apartment Viewing Again?!

We may have found one and agreed on the lease.

I never ended up asking that girl about the lease situation. It's a company and I don't think there is any leeway. Maybe after a year they would allow us to go month by month but I doubt they would allow it before a year is up.

D got really frustrated with of all things, the INTERNET at his place last night, it kept cutting out. He said that's it and said he was totally willing to do the year-long apartment thing with me. This morning he mentioned it again, I asked if he was sure and he said yep. He said that if he needs to go somewhere else for a job then we can either sublet or he can help me financially with the apartment.

I got in contact with the girl again and she said she also wants to show us one other place when we bring in our application. We are going tonight!!

I hope D doesn't back out again, but I think I may just do it alone if he does. I have enough saved up for a whole year, although I would prefer to keep it in savings for a car and beyond, but we will see. I hope he will fill out his portion of the application and we can move into a place relatively soon.

I DID tell my parents about the apartment search a little bit. Not the fact that I have viewed any but the fact that I am in the market for one. My parents surprised me and were totally cool with it and my dad said he would even keep an eye out for me and told me about a friend of his who rents his second house.

I am trying not to get my hopes up about D again, but I am super excited that we might have a place of our own. It's becoming uncomfortable there with his friend's dad and brother. It shouldn't be awkward but sometimes it feels that way.

Other "news" is that my brother and his girlfriend broke up. They have been together for almost 10 years. They were together since about grade 11 in high school and he is 25 now. They were prom king and queen, went to university together, lived together for two years there, and also had an apartment here in town together since April. I really liked her. She was soooo good to him. I don't know what happened to cause the split but she has moved out and he is in the apartment by himself. He pays $900 a month plus all utilities there for a two bedroom.

It could even be an option to live there I suppose but I am hoping they can work things out and get back together.

A, B, C's of me...

Many bloggers are doing this. I hope you play along too if you haven't already done so!
A-Age: 26
B-Bed Size - double
C-Chore you hate – putting away clean clothes
D-Dogs – LOVE them, inherited a little toy fox terrier who is AWESOME! 
E-Essential start to your day – dog cuddles, and breakfast
F-Favourite Colour- blue
G-Gold or Silver – silver...or white gold!
H-Height - 5'6" wouldn't mind being just a tiny bit shorter!
I- Interests – reading, board games, baking
J-Job Title- supply teacher
K-Kids – none yet
L-Live – a couple hours north of Toronto
M-Mothers Name – Rita
N-Nickname - Jayy
O-Overnight hospital stays – none! 
P-Pet Peeves – slow drivers
Q-Quotes from films – "Pretty bird" Hehe I'm sure there are better. 
R-Right or Left Handed – right
S-Siblings – 2 younger brothers
T-Time you wake up - usually get up around 7
U-Underwear – yes
V-Vegetables you hate – carrots and mushrooms...gross!
W-What makes you run late –  boyfriend!
X-X-Rays you’ve had – lots of teeth x-rays, foot, leg...broke both!
Y-Yummy food that you make – desserts
Z-Zoo animals – monkeys and penguins

Saturday, October 15, 2011

GST cheque came woo! Into savings!

I have two more days to work at the restaurant before it shuts down for the season. Kind of indifferent about this. I'm glad to not have to go there anymore, but it was a good source of income this summer, I really liked some of the people I worked with too.

I saw an ad in the paper yesterday for a restaurant I was thinking about applying to looking for experienced servers to work full-time. I don't know if I can do full-time with teaching but I can do evenings and weekends and the occasional day I'm not teaching. I think I'll at least apply this week.

I've been looking up the cost to install a kitchen island permanently. Just thoughts on how much it would cost. I would like to do it for my parents but can't figure out an estimate. Any ideas? They currently have a moveable island with no cabinets. I would like for them to attach it, have one WITH cabinet storage, and then get a new countertop to connect it to the other counters. Probably thousands of dollars, but I thought I would at least check it out.

I've been thinking about Christmas ideas a lot lately. I want to get my parents something good for putting up with me, letting me live with them. I was thinking either the kitchen idea, or help pay their seasonal campground fee, or put up drywall and paint in the basement. I don't know, something useful/helpful to them though, not just a tangible gift item. I'm thinking up to $1000 though.

I think I want to get D a pass to this place in Montreal. Maybe I will buy the pass, it's to a wind tunnel that feels like you are skydiving, and then a hotel stay there. It would be a good weekend roadtrip. He has mentioned that he has wanted to do it on a few occasions. For my brothers and friends, I have no idea! 2 more months to decide still though.

D doesn't want to sign a year lease. Do you think I could ASK the lady to pay extra if we didn't have to sign a year long lease? I really like this place but cannot afford it on my own. Does it hurt to ask, or is she going to look down on us afterward and think we are probably irresponsible if we can't do a year lease. I may want to live here even without D and don't want to hurt my chances of her accepting my application at a later date.

Wednesday, October 12, 2011

Websites and Updates

Looks like I am not going to be moving out anytime soon. D doesn't want to sign a year lease and there are not too many options for places that do not require leases around here. :( I wish he had told me this earlier instead of getting me excited and even telling people about places we have seen. His reasoning is that he doesn't think he can stay at his job for another whole year. He wants/needs to get out of what he is doing (he is in construction and a lot of the company practices there are unsafe and the guys he works with are quite ignorant). Ugh. 

I heard about this show called Switched At Birth. It's about two daughters who were mistakenly switched at birth and figure this all out when they are sixteen. One girl grows up with rich parents, the other grows up with a single mom. The girl with the single mom also happens to be Deaf. It's a really cool show that also incorporates Deaf culture. I like it and watched all 10 episodes in the past two days. More come out in January!

I worked Thanksgiving weekend and made fairly good money. I think it will be our last busy weekend, the rest is going to be quite slow now. D took me on a hike on Monday to a trail neither of us had been to before. It was a nice time, we packed a picnic and then went out for ice cream afterwards. 

I received a phone call from a mom last night who wants me to do some respite with her son. Maybe I will get a few days doing that this year. 

I borrowed the next book in the Hunger Games series. Woo!

Some of my favourite websites are Hellogiggles.com. Awesome website with random articles. I try to read a few daily. I love to read Zits comics. I have done this daily for the past 3 yearsish, but was always a fan. I used to really enjoy For Better or for Worse as well until they stopped and decided to go back in time. I really liked the storyline of the adult kids. The Oatmeal is funny and sometimes educational. It teaches grammar and about beer and coffee and just has fun comics as well. What are some websites you really like or try to check out daily?

Saturday, October 8, 2011

Even More Apartments

I don't know how many apartments I have viewed since the beginning of summer, probably 8-10 though. I have liked some and hated some! I saw one last week which did not have a stove, and only included a mini-fridge. 

Anyway, D and I looked at 3 more apartments on Thursday evening. The first was not very nice. She wanted $950 for a retro loft with no laundry. The second place we went to was a girl I know, sort of a co-worker which could potentially make things awkward since she does not believe in couples living together before they are married. The meeting wasn't awkward but I know her stance.

The place she had was really nice. It was the lower level of her home. Had big windows, a gas fireplace (D loved that to be able to dry his work clothes when winter hits). It was a one bedroom plus small den. Parking for one, but additional parking was available up the road (2 minute walk). Single sink, no dishwasher, no laundry. There was laundry but it was behind a locked door and she said she would need to come down on Sundays to be able to do her laundry but she has had too many problems with former tenants to allow any future ones to do their laundry there. It was $850 inclusive with no lease.

The third place we went to was an apartment complex. It looked really dingy from the outside and we later found out that it was built in the 70s. However it is currently being renovated and the renovated apartments are really nice and modern. The one I would be most interested in was a one-bedroom. It had a full bathroom, laminate flooring, very small but modern kitchen, new dishwasher. There was coin laundry in the building. It was mostly retired people living there. There was a small balcony as well. It is $775 plus hydro on a one year lease. 

D and I talked about the places afterward and made pro and con lists. Turns out he likes the lower level apartment best because it has a really big living room, has the fireplace, and no lease. I liked the apartment complex one because it was more modern, had a dishwasher and laundry, and parking for both of us.

He said he would go for the one I liked best. We definitely need to talk more about it though but I'm excited that we found a couple we both like. Hopefully we can be moving out soon!

Monday, October 3, 2011

Quick Life Updates

My cousin, her boyfriend, D and I went to a comedy show on Friday night. It was an awesome show! We laughed a lot and had a great time together. I wish we could see them more often but she lives in Toronto.

Saturday I didn't have to work until the evening so D and I went to an awesome scenic lookout close to our town. The leaves here are really pretty right now and Saturday was a perfect day. It was our first time up these trails so we got a little bit lost but it was fun.

Saturday and Sunday I worked. Made okay money those days...days are really slow at the restaurant now, but better to go there and make SOME money than to not get a teaching day. 

D is having a Thanksgiving with his parent's neighbour on Friday evening and then we were all supposed to go to his grandparents for Thanksgiving in the Niagara region this weekend but I am working. I asked to at least have Friday evening off so I could attend one of the Thanksgivings and my manager said we would talk about it on Wednesday. I'm trying not to get my hopes up.

Also my very exciting news is that my roommate from university became engaged LAST NIGHT!!! She called me so excited and we had a skype date this morning. Her ring is beautiful and I am sooo happy for her. He is a really great guy. She has probably dated around 10 guys since I have known her back in 2003, and after the first time I met him I told her that this was the guy she was going to marry. I've never said that to anyone else before. I'm so excited for her and I think I am also going to be one of her bridesmaids!!!! I've never been one before but am very excited for it. Purple is going to be her colour. She is getting married next summer!

September Spending

September went by fast!! October is already racing away too. September ended up being a really good month for me. I probably ate out more than I should have (hard when you work at a restaurant)! But I made quite a bit of money working at the restaurant, thankfully since I had to decline THREE teaching jobs because I was already booked to work at the restaurant. Anyway, here's how I did:

Car and Gas (15%) ACTUAL: 5% Had my trunk latch fixed AGAIN as well
Phone (4%) ACTUAL: 1%
Food (4%) ACTUAL: 2%
Restaurant (4%) ACTUAL: 3%
Personal/Medical (6%) ACTUAL 7% Dentist and a haircut
Clothing (5%) ACTUAL: 8% Bought a lot of clothes for work
Gifts (2%) ACTUAL 1%
Education (2%) ACTUAL 3% Signed up for an American Sign Language course
Entertainment (4%) ACTUAL 0%
Everything Else (3%) ACTUAL: 1% Bought a few little things like a wine opener, cupcake items, etc

TOTAL (48%) ACTUAL 31%!! Not too bad!!

TFSA (35%) ACTUAL: 37% Woo!! I contributed a lot this month and was able to MAX IT OUT!!!
Christmas (5%) ACTUAL: 0% Done with this category now
Computer (3%) ACTUAL: 10% No longer a computer fund, money will likely go toward a camera, and then money to put toward my 2012 TFSA.
RRSP (6%) ACTUAL: 10% Bought my first Mutual Fund!!
Travel Fund (3%) ACTUAL: 6%

TOTAL (52%) ACTUAL 64% Woo! 

Goals for October will be to put more in the "computer" fund to be able to get a head start on my 2012 TFSA. Or I might just start one of those ING kick start funds to put money into until they deposit what I have in it January 2012. May need a bit more money going into the travel fund as well, as there COULD be something in the works coming up.