July 2014 Budget Roundup = $232,794.24 or a decrease of 0.20% or $467.80
WRITING OVER AT MONEY PROPELLER
I’ve been writing up a storm over at Money Propeller, Anne’s new PF blog.
Want to read more of my posts and work?
SINGLE MA REACHED HALF A MILLY
Back in the day, she blogged about finances, and she’s just reached the $500,000 net worth milestone.
She was one of my original inspirations to get out of debt, and remains a strong role model for me in everything she does.
Just read this blurb and tell me you aren’t impressed:
For those who don’t know, I am a single mom and was on welfare for 7 years. From Section 8 and daycare subsidies to cash assistance and food stamps…you name it, I had it, and used it all as a stepping stone without shame.
After earning my degree(s) and starting my career, I no longer qualified for assistance but still struggled financially.
Once I began paying attention to my finances, it took 3 years to dig myself out of the financial hole (thanks PF blogosphere!) and another 6 years to grow my net worth to over a half million dollars.
Now if only she’d visit Montreal so we can meet up….!!!
MONTREAL, JE T’AIME!
I love this city.
(Even more so that I’ve moved away from it twice!)
I still stand by La Maison du Macaron as having the best macarons in Montreal (not Point G, although I like their unusual flavours like Yuzu from time to time). La Maison du Macaron also moved locations (to a bigger, better, sexier abode) and got a complete makeover including a name change to “A la Folie”
Their macarons may not stay perfect (they have cracked edges most of the time), but they have a better ratio of sugar to flavour and the PERFECT mix of ganache inside a crispy shelled macaron.
Point G on the other hand, is just.. SWEEEEEET, and I find their macarons cloyingly sweet, although well made, therefore A La Folie has the best macarons in Montreal to date.
The only gripe I have is their new, sexy packaging could use some work. Even carrying it in a box in a bag, some macarons still fell out of their little sleeves.
I also tried macarons at Maison Christian Faure, but they were too sweet. Well-made, perfectly done, but about 20% too sweet, although not as sweet as at Point G.
Christian Faure is a MOF (Meilleur d’Ouvrier de France) which means he went through a grueling test to be able to wear the tri-coloured band around his neck. His work is perfection (just need to lower the sugar content please!), and can be found on Place Royale behind Notre Dame Cathedral.
Just check out this OMG amazing raspberry and pistachio tart I ate (I’m going back for more today):
SO. SOOOOOO GOOOOOOOOOD.
Oh and Montreal also has quiche and croissants, although these ones from Les 3 M Patisserie weren’t that great. I still like the Belgian bakery in Complexe Desjardins
Last but not least, I tried smoked meat sandwiches from Snowdon Deli and Schwartz’s. While I still say that Schwartz’s has THE BEST smoked meat in Montreal, I like the combination of chopped cooked (slightly sweet and caramelized onion) liver paste with the smoked meat from Snowdon Deli.
The first sandwich is from Snowdon deli and looks gross but trust me, that liver pate makes it all worth while.
This is the sandwich from Schwartz’s and what REALLY makes the sandwich is that little bit of fat on the right-hand side that screams “DELICIOUSSSSSS”.
I don’t understand when people go to get a smoked meat sandwich and then ask for LEAN MEAT.
Don’t even bother. Ask for medium or get out before you shame your taste buds.
BABY BUN IS FINALLY SLEEPING AGAIN
THROUGH THE NIGHT ( 8 …5 HOURS)
Since 4 months old, he has been (truly) sleeping through the night on and off, anywhere from 10-12 hours at a stretch, waking up anywhere from 5 a.m. – 7 a.m. for milk.
(Actually .. I lied a little. Ever since we moved, he has been sleeping only 3-5-7 hours because of the change. He isn’t used to our new place. Plus I am making him adjust to my new Mommy’s Back Hurts method of sleeping.)
He hasn’t been doing this consistently, because sometimes he wakes up at 3 a.m. to eat, but I think it’s because he hasn’t eaten enough during the day that he feels the need to wake up.
Or I don’t know. Sometimes he sleeps REALLY well for 8 hours and I am so relieved I could cry.
Other days, he wakes up every 3 hours, and I think: He must be growing… because he just drank 8 ounces in ONE GO. O_o
He was just mentally and physically (
14 15 pounds!!) ready to sleep at a long stretch, but doesn’t seem to want to consistently, or just keeps growing and GROWING.
The only things left to work on, is:
- His constant 15 minutes or more of crying when it is time to sleep (nap or bedtime) – this is a new development as well
- His naps — he won’t nap for more than 30 minutes – 1 hour sometimes which I think is OK but then he’s cranky
Sleeping without being rocked to sleep — this is also a new development; he was doing SO WELL before *sigh*SUCCESS!
Otherwise, we’re golden. I am good to go back to work if he keeps this wonderful behaviour up.
Speaking of Baby Bun, he giggles on and off. I’m always trying to get him to giggle but it’s so random what he’ll laugh at. I’ve started tickling him under his chin, his armpits and on his thighs, which is making him giggle.
He laughs for no rhyme or reason.
Except when he pees on me.
Then he laughs like there’s no tomorrow.
Oh and he’s about to crawl. He’s been shaking his butt at me trying to get his balance on all fours to move forward. Very, VERY cute.
INCOME = $1180.07
But never mind all that money, I pretty much spent it all this month and more.
My expenses are just going to keep going up, I may have to (horror of horrors) dip into my investments to tide me over until I get a contract.
*collapses into a corner sobbing*
EXPENSES = $2579.16
RENT TRIPLED THIS MONTH
Rent went up this month because I moved!
Yes folks, I am now loving and living permanently in French Canada.
My rent in September will skyrocket again to an estimated $1000 a month (JUST FOR MY HALF), so I’m girding my loins for that budget increase.
TOP 5 CATEGORIES OF SPENDING
But you know, I didn’t spend on frivolous stuff this month aside from eating out a bit. I spent on all the good and RESPONSIBLE adult categories…
SAVED: NOTHING.. I KID, I KID… TRANSPORTATION
I saved a bit of money on transportation this month by buying an OPUS card (OMG RFID coolness for using the subway, something Toronto is really REALL far behind the times in), and it gives you a discount. A slight one, but a discount nonetheless.
I am also hoping really hard for some big news to come through and make me weep with joy.
More on that later if it happens.
If it doesn’t make me weep for joy, I will be crying out of bitterness and disappointment.
SPENT: ON MACARONS
Those macarons you saw above? Just one of my 5 trips to buy them.
SPLURGED: ON FIXING MY MACBOOK PRO $623 to fix
I love, love LOVE my Macbook Pro. Particularly since the 17″ model is no longer made, I plan on cherishing this computer until the day it dies.
So when the logic board went (started giving me weird colours on the screen), I did not hesitate to plunk down $623 to fix it. IMMEDIATELY.
WELL WORTH THE COST.
NET WORTH: $232,794.24 or a decrease of 0.20% or $467.80
Okay, so my net worth went down… but my rent tripled, so I think that isn’t TOO bad.
All my dividends are on a DRIP (dividend reinvestment plan).
MY 5 FAVOURITE POSTS FROM THIS MONTH:
- Why my child will be saving for his own education even before he turns one
- What would you pay to change about yourself?
- A look into my closet: shoes and boots, oh my!
- Would these money microaggressions bother you?
- Working in Toronto versus Montreal: The Budget
BEST BLOG FEATURES FROM THIS MONTH:
- I always get some serious link love from PK over at DQYDJ, particularly if I write posts about my family (baby and moochers) (Michelle liked my post on moochers too!)
- Spunky Banker enjoys my budget roundups and calls them detailed. Thank you! I do put a lot of work into them.
- Also, FU made fun of me for picking Blackberry BBRY but he’s eating his words now because I’m in 3rd place!! Also, have to credit him for giving me some link love on Baby Bun’s education fund.
- Yi Jihae wrote a very intellectual, wonderful piece on fashion and fame, and linked to my post on how much bloggers make
To spending August downtown with Baby Bun. He drives me mad sometimes when he won’t nap, but he is so darn cute, your brain blocks out all the bad stuff when you hear him giggle that golden laugh…
I’m also planning on stuffing my face like crazy. See pictures above for what I will be eating.