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Hi, thank you for your suggestion. :) I would love that to be an option but I'm currently healing from a car accident. I have a bad concussion and spend anywhere from 2 to 4 afternoons after work at medical appointments or physio of some sort. I'm limited to how much screen time I can tolerate before getting migraines, can't handle physical labour jobs yet and can be in crowded / noisy / busy environments for only very short amounts of time before my concussion symptoms spike so high I basically become a non-functioning human for a couple days. I'm trying to find part-time work that I can do from home on days I am physically capable of doing more, some sort of gig work as a part-time job would have scheduled hours I can't commit to but so far my searches are only finding scams. I hope your debt pay off journey is going well! It feels amazing to finally pay off the student loans. :) We've both got this!

@ oh no! That’s so sad. I got a concussion back in 2014 and was unable to attend my last 2 months of senior year for high school. I smacked my head on a concrete wall so I know how it is. I still get very bad headaches. Right now I think you just need to heal and rest. You got this!

Saving the GST & CCR rebates is such a good idea for kicking off the savings trackers. I always want to use mine to go as extra payment on the LOC but end up needing them for the budget so I can pay bills lol That sucks about your upcoming rent increase. Hopefully it isn't too much and you can stay put! :)

That is a really good point, and one I thought of but in a slightly different way. I am relying on my income tax return to make another big payment onto my LOC, have been really looking forward to being able to do that actually, but thought maybe I should set it aside for moving expenses instead. It'll hurt to do, I really wanted to use it to make a dent in the LOC debt but you're right, moving expenses will go onto a credit card or the LOC which will drive back up the amount of debt I'm paying off. As for the trackers, thank you! I like the colours and think they're cute also. :) They'll make saving even more fun, once I have money to put in them lol

I haven't watched Ramit Sethi's I will Teach You To Be Rich, I sure like the title! lol I'll hunt it down on YT. Thanks for the suggestions. I think you're right that a true need would be okay during a no spend. I hadn't thought to thrift a light, I have the worst luck with thrift stores tbh, but now I wish I'd taken a look. Though my Ikea lamp ended up costing me $15.99 plus tax so it wasn't too too bad cost wise. I should try making my own No Spend, with my own rules, instead of copying the rules I see others use. Something more specific for my budget. Thank you so much for watching and commenting! :)

Thank you! :)

I love my Eeyore mugs, they are all gifts from my Uncle, he sent them from the UK over the span of years and they are my favourites. Turns out the shrimp was not okay, got quite nauseous from it and had to throw out the rest. It's actually put me off shrimp all together for a bit I think lol It's my own fault though, definitely a case of lesson learned!

Thank you! I know it's not a "real" strategy that a proper professional budgeter would teach but it worked for me before and it feels like it's working for me again. I can't wait to see how much I can get it down by during 2025.

I wondered if that was it but strangely it still hasn’t posted to my account.

@@burnabygirl8541 lol, well, whatever happened to cause the discrepancy, I'm sure you'll get it sorted out soon. No stress, no worries 🏖

You must be a very organized human to be able to plan that far out from the holiday. :) I barely plan a week out lol It is a good idea though, shopping for the non perishables or things that can be frozen in advance. I do that with Christmas shopping usually. I didn't in 2024 but in years past I shop for presents year round so by the time November hits my shopping is done and I spread the cost over the whole year instead of doing all my shopping in one or two months. I just never thought to do it with food before, I don't know why...

@burnabygirl8541 It began with pumpkin puree 50% off and more after Thanksgiving one year while the number of people were growing. The basic menu was generally the same for Thanksgiving, Christmas was often pretty variable but I did try to not make it Turkey, and New Years has at least predictable snack type foods and soda pop. Then there are the assorted holiday potlucks. Traditionally by Christmas time, the condiments are abiut the highest price they are going to be for the year but the skus they are not going to carry foreward from the BBQ season go on sale; also for the longest time the smaller squeeze bottle types couldn't be found for the most part and they work better on a buffet table type event. Truth be told, I often looked over my pantry and the foods we didn't prefer, could/ should no longer eat for health reasons, were closer to dating out, or we had a lot of often worked thier way into potluck foods.

Did she like it? I have a love / hate relationship about it lol

@burnabygirl8541 Growing up, they generally alternated between birthday and Christmas being bigger. I think she was often disappointed that a lot of her birthday stuff came in basically Christmas wrap versus birthday wrap.

I hadn’t even thought of marketplace or thrift stores. Thank you for those suggestions! I definitely don’t want to invest too much money since I’m hoping this will be a low cost hobby. I’ll check out the loom idea, it’d be fun to learn how to make a hat. 😃

Thank you! 💜💜

I can’t afford a mic 😂 I’m right beside the phone when talking and when I edit and play back the completed video it’s almost too loud. I guess I can try making the next one even louder when editing and if people need to they can turn it down. Better to have to turn it down than not be able to hear it. 💜

Thank you! You too! :)

I am ridiculously excited over my new LOA balance lol

Wishing you the best throughout this holiday season and happiness for the New Year! :)

Those are great ideas, thank you! I don't actually know how to make biscuits, I'll look up a recipe. Same with beans and lentils, my experience with them is minimal but that doesn't mean I can't try. I'll google for recipes and see what I can find. The only thing I'm reliably good at making a big batch of and freezing is the WW zero point soup. it'd be nice to have different things stored in the freezer for variety. I'm eyeing up a box of protein bars from costco, pricey but there's a lot in there so they'd last me a while.

I'll try upping the volume when I'm editing, sorry about that!

Thank you so much for your suggestions. :)

Thank you so much! I wasn't sure if anyone would care to see a video about the trip. I really wanted to do something similar with video I took when I was in the UK in June but wonder if I've missed my window and it's too late now.

@@burnabygirl8541 If it's something you want to share, then it's never too late. Time can go backwards (like time changes here every spring and fall) as well as forward, so why not documented journeys too? It is your history in the making.... 😉

Thank you. :)

I wouldn't have thought of that but it sounds like a good idea. I'll try to remember to buy some next time I make the sauce. Thank you! :)

Oh no it wasn't me, I didn't remove your comment. I wonder where it went? I ended up calling my specific YMCA and asking a human and they said I had to email a certain email address because they need my request to cancel in writing. They also said it has to be received 14 days before the next payment is due or I have to pay the next payment. Considering I pay bi-weekly that seems a bit mean but nothing I can do about it lol Now I just have to wait for them to email me back...Thank you so much for finding the link for me, that's so kind of you, I just wish it hadn't disappeared so mysteriously lol

Thank you! I am still so excited for the new balance, I keep opening my bank app and looking at it lol

Thank you! I am still excited about the balance being under $20K, I keep looking at it in my bank app and smiling lol I'll go check that channel out, thanks for the tip! I hadn't thought of an actual physical barrier to protect the surface but that does make sense, seems a good way to keep it safe. I'll check out that video and price match against an acrylic or glass top and see what the options cost. :)

@@burnabygirl8541 As it is the Christmas season, what about using wrapping paper? If you cut a piece of cardboard the size you need, then wrap it in any kind of left over wrapping paper, you would have a protective surface....and if you do end up with marker on it, you could just use stickers or do a doodle over it, and no one would know...lol You could change the paper as often as you want for any mood or season, ;D This would also be very inexpensive while using up any leftover scraps of paper, including printer paper. Hope I gave you some ideas, lol. Have a great day!

No way? I’ve never heard of it, that sounds great! Thanks for letting me know about that, I’ll check it out. 😃

Thank you! 😊

@sharondoupe5318 it’s our own special Christmas tradition! Losing the postal service in the lead up to Christmas lol I love the snow when I’m there because I know I get to leave it behind 😂 Try to stay warm! ⛄️

@@burnabygirl8541 ❄🧣☃👍 lol. 😉

it is all very reliant on something I can't guarantee happening lol totally not stressful at alllllll ;)

안녕하세요 :)

I'll check the LOC documents and see if I can find somewhere that tells me a timeline. I most likely did miscalculate something, math and I don't get along lol For the 1 through 4 year pay off amounts I used a spreadsheet someone else made that takes into account accrued monthly interest. I have no idea how to calculate that on my own so if the spreadsheet is wrong I don't even know where to start to fix it. In the Dave Ramsey plan, in Step 2 the no saving, does that include not saving money in a sinking fund for an upcoming large yearly bill (ex. car insurance) or is that no savings for emergencies etc. ? Thank you so much for your math help and pointing out I may have made an error, I appreciate all the help people are offering. :)

@@burnabygirl8541 It does include sinking funds for upcoming expenses only. It doesn't include saving for the future during that time. It's his philosophy that your income is your largest wealth building tool and when your income is going toward debt, it isn't being properly utilized. So paying off debt is priority. Once the debt is gone, you've freed up so much of your income and can really start making substantial progress toward your goals.

@noelmilleryoga5993 Thank you for explaining that. :) It does make sense, I am well aware how slowly I am able to save or invest when so much of my money is going to debt.

coffee?

I love it's simplicity and how the budget categories are blank so I can decide what they are.

I'm seriously considering doing something like this. The maintenance at my bank is still happening and today when I checked my bank app my chequing account was $200 less even though I've not done any spending out of it. They took a transaction from last week and posted it today so it's throwing everything out of whack. My Visa is missing some transaction and every time I look it shows a new total amount owing and different things pending. sigh. It's too late to make a running tracker for this situation but once everything is finally fixed I might have to in case something like this happens again. It's so crazy.

Oh I didn't know that, I'll see if Amazon Canada has that and see if my mom is interested. I think she likes me doing the shopping for her lol but it would also be nice to set her up to do it on her own when she wants. Thanks! :)

Months? Seriously? That's great news! Thank you. :)

I've been looking at bean recipes as an alternative to meat, I heard they are high in protein but much cheaper to eat. I'll have to take note when things are on sale and see if I can find a pattern like you have. :)

Do you find Save On to be more expensive? To me they are pricier, but maybe collecting the points helps offset the price? I'm North Burnaby so I tend to hit up the Superstore and Walmart on Grandview Hwy and Kensington Safeway. This time around though I had errands to do (non grocery related) on Marine Dr so went to locations in that area. They were all close together which made it easy but I think I'd prefer going to different stores on different days, at least if I'm already out and about.

@@burnabygirl8541 If you're buying items not on sale yes, it's a little pricey, the points help. I mostly shop flyer items too aside from milk, yogurt and eggs (I think they're basically the same at all stores). They have some good deals sometimes. Yeah, I figured you're at the other end of Burnaby when you said No Frills wasn't too out of your way 😄 . I love No Frills, but its just too long of a drive for me. Good video though, I highly enjoyed it!! Grocery shopping is just sooo stressful now 😟

Thank you! It won't stay built for long I don't think as I'll probably end up eating at least some of the soups before the end of November but it's a start!

Thank you for watching and commenting :) I like the digital envelope system also, even when I mess up the math lol

labelling my sticker placement as artistic interpretation is being overly generous I think, but I'll take it! lol

I agree with your order but do you mind if I ask a question? What if getting caught up takes so long your debt gets even bigger? Should paying debt off be prioritized higher to get it under control?

@burnabygirl8541 Yes, well ... this is not originally my list but its become so very long that it might as well be and I have NO clue who/ where it came from. I have found that often to get one step done or just to maintain it you must be working on the others simultaneously. First add no more debt. This is reasonably pivotal to the whole group of activities leading to getting out of debt. Also, often each line item in your budget must be treated a little independently if you're starting from a chaotic ?mess.

@burnabygirl8541 Often debt is treated like a line item account of a total sum by the creditor. If you can get the currently used amounts paid on time and get the creditor to accept that amount, you can keep the account open long enough to keep juggling other funds. Paying the currently used amounts and also the current bill amounts on all your bills also gives you enough time to write a line item budget then start reducing it by eliminating line items or reducing the amount of line items; and/ or add income. A debt profile includes a number of things but it does include a listing of the debts, thier interest rates, thier minimum payments, and how each debt is structured (the terms of paying the debt back). Sometimes due to a person's debt profile it is actually wise to pay off a small debt before getting caught up on all the bills and debts first. This in turn returns that debt's minimum payment to the budget reducing how far the income is spread out; the end result is that you can get more traction or foreward movement on not adding more debt, getting the current bills paid on time, getting caught up, and of course is succeeding in reducing debt at the same time. What is somewhat common however is that getting caught up does reduce debt at the same time.

@burnabygirl8541 What the straight snowball and even my list doesn't take account of are prioritizing debt and also interest. The question i consider is, if you were to completely default on a particular debt(s) this letting it go to collections, which would be the least damaging to your every day life? My predjudice is that you could live forever with never being allowed to use say a Victoria Secrets credit card better than being evicted or losing your house. Likewise you can live without say Netflix or even cable TV better than living in your car or worse as a homeless person.

@burnabygirl8541 Are ypu talking about student loans that keep,getting bigger despite paying the minimum payment? If so, do tprezlkze that the minimum payment can be just big enough to keep you out of default but not even cover a full month's interest charge.

I agree about not buying more stickers, it's why I'm using for the most part what I have. Yes the occasional sticker sheet that I've purchased is a want not a need, but if all wants are ignored people eventually crack. It's why experts recommend pushing to pay off debt in five years or less, anything longer people get worn out and start to go off plan. Money experts I've watched also suggest keeping small wants, nothing that's going to blow the budget but a small thing here or there that helps you not feel so restricted that you rebel against your budget. Thank you for watching and commenting!

Thank you so much for taking the time to write all that out, I really appreciate it! I actually just recently discovered Caleb Hammer and am slowly making my way through his videos.

@ of course! Caleb gets pretty wound up/click bait-y often … but …. He’s very good with money suggestions, knowledge, etc if you know to ignore his tantrums! Best of luck! Kate!

@papabear2515 his tantrums are hilarious though I do worry a bit about his blood pressure LOL you're right, between the yelling there is definitely knowledge being shared. :)

@ you’re so right! For someone my age (68), it seems “over the top” at times … but there are many times I laugh out loud at his reactions - especially when he says ..”No, no, no, no, no, no, NO, NO, NO,NO!!!” LOL! Yeah, they might get even more viewers if he wore a blood pressure cuff and showed his rate to the audience! LOL!

I hope you don't mind, I have a question, your built up pantry, is it food you store for emergencies etc or as you buy something new on sale does that rotate to the back and something you already owned get brought to the front and eaten that week? Sorry if how I'm wording this isn't making sense...