In Budgeting, Canada, Discussions, Money, Week of Money Diary

Week of Money: Where I take out a loan for $25K to make some cash. (No for real..)

DAY ONE

??:?? — Bathroom. It is early but not late enough to wake up. I take him to the bathroom, and then hustle him back to bed.

??:?? — Little Bun sits on me, waking me up.

6:30 a.m. — I lie in bed, as my partner gets up and starts cooking rice and pasta staples for the week. He is not cramming all the cooking into one day any more, but doing it over 2-3 days, which I think, is mentally and physically less exhausting for him now that he is retired.

6:42 a.m. — Still in bed. Little Bun is chattering like a chipmunk to his father, making baguettes, and I am lying there, trying to catch the last bits of sleep left under my eyeballs.

6:57 a.m. — Okay. I’m up. He’s sitting on me again.

7:08 a.m. — I make tea after slowly getting up, and INSIST that Little Bun leave me in peace so I can drink it leisurely. He surprisingly obeys, and says: I will wait RIGHT HERE for Mommy to finish her tea then we can do math drills.

7:14 a.m. — I quickly check my bank account for a deposit but Little Bun has ears like a bat and swoops out of the bedroom saying VERY cutely: But.. I thought we were going to do MATH TOGETHER. (Grade 2 Math. This is my life now.)

7:40 a.m. — We finish the math book in record time, he grabs all the stickers at the end, then shoves the book at me and says: Next one please. I want the big one. (He saw the big Grade 2 book of Canadian curriculum and wants to do that next).

8:14 a.m. — I grab the book, we do a few pages of classification and categories, then he loses interest, plays with blocks, and runs off to his father. I sort of lead the whole day like this – be with him for as long as he wants / needs, or until I can’t stand it any more, and then he runs off, bored, and I get to read my book.

8:30 a.m. — Engrossed in my novels. He is out in the living room, bouncing around.


11:14 a.m. — Lunch time.  I am STILL reading, while he is eating so I get a break. My partner heads out to meet his friend who flew in from France for lunch, and says he may bring him back after to meet us. Uggh. I hope he isn’t insufferable. Not that any of them were / are, but you never know. Sometimes you meet a friend and you have no idea what your partner/friend sees in that friend except for a shared history of whatever.

12:34 p.m. — Little Bun willingly goes down for his nap, but as he snuggles into his bed, he says: BUT I WANT DADDY. I want Daddy to come nap with me! ... and I tell him Daddy is out with a friend, and he nods, making up a story about his father taking a trip and how he’ll come back later. I hand him his father’s pillow (with his smell on it), to cuddle with instead.

12:54 p.m. — I do all the dishes.

1:56 p.m. — This made me laugh – an exchange between my friend and me:

2:20 p.m. — Little Bun is up early, crying. He has a nosebleed, we stop it, then he gets mik.

3:16 p.m. — We hang out together doing math, snuggling..

6:56 p.m. — We watch a few videos, and then I feed him dinner.

9:23 p.m. — Time for bed. He has been playing on his own a lot more lately, and gaining confidence in doing the activity books on his own without Mommy to help.

Spent: $0

DAY TWO

??:?? — Tired.

6:10 a.m. — Yep. I pop a cold pill for the day. My throat is itching and I want to have this headache go away.

7:29 a.m. — We head out for my partner’s blood test. I am here in case he is unable to drive (he has a condition that has him faint at blood).

9:33 a.m. — Home, that took a while. Little Bun was squealing in the back but he was just tired.

11:15 p.m. — We finish eating lunch (a light one), and I feed Little Bun pasta and cheese with basil (he LOVES basil, we can’t even keep 2 of the plants growing enough to keep up with his appetite for it, as it rivals mine), and then I do all the dishes.

12:28 p.m. — I go out for another crab burger. I am one of those FOMO types when it comes to food and I don’t want it to disappear before I eat as much as I can. $23

I also get this Cashew Lime Cheesecake:

1:16 p.m. — I get an offer in the mail to sign up for a line of credit and pay 0% interest on it for the next 90 days. Fine by me! I sign up, grab my $25,000 and immediately plonk it into my high interest savings account to earn 2.74% interest. At the end of the 90 days (just before actually), I’ll transfer the money back to them. Borrowing money for free from a bank, is a gift to be able to make a few bucks on the side — about $125 in my case. Money is money, y’all. I even signed up for that bank account to pay me $300 just for doing it.

4:25 p.m. — That’s about $425 in free money just because banks are dying to lend me money and get my business which is ironic because if you have money, they want to give you more of it, but if you don’t have any, they won’t lend you squat.

9:46 p.m. — Time for bed.

Spent: $23

DAY THREE

??:?? — Giggling. In his sleep. It’s cute but it wakes me up.

6:30 a.m. — And we’re up.

7:59 a.m. — Well this is sad.

8:08 a.m. — I take Little Bun out to the park so that it is nice and cool, and no one is around. I don’t really like a lot of people at the park, I am a little introverted and I like the quiet time to myself.

12:08 p.m. — Home for lunch, then down for his nap.

1:18 p.m. — WHAT? He isn’t napping? Forget it. I let him up and he plays happily.

2:20 p.m. — He is grumpy. He missed his nap and he is grumpy AF. I am almost losing my hair.

5:28 p.m. — I feed him again – he must be in a growth spurt, he eats at least 4 times a day now.

7:11 p.m. — I make myself a little meal, and add seaweed. Someone mentioned on IG that she tried to eat dried whole leaf seaweed and found it very chewy. Boil it! Boil it for 2 minutes in your noodle water, along with your noodles if you want, and then pick out the seaweed and let it sit in the bowl while your noodles finish cooking. You’re supposed to boil or blanch the seaweed to get it to perk up and be green again, not eat it dried and chewy.

9:34 p.m. — Bedtime.

Spent: $0

DAY FOUR

??:?? — He is crying and squealing. Maybe he is getting sick.. but he is ruining my sleep for sure.

5:40 a.m. — I wake up and make tea, and we watch the sun rise together, with the clouds turning pink (“The clouds are now HAPPY, Mommy!“)

9:23 a.m. — “I gave Mommy her Tiger Stripes so she could be beautiful“, Little Bun says, as he pats my stretch marks from pregnancy on my belly. Aren’t children the cutest, sweetest most innocent beings? What a sweet thing to say. I hug him and tell him I love my Tiger Stripes.

11:08 a.m. — Lunch time.

1:15 p.m. — Time for a nap. He goes down like a ROCK and sleeps for 2.5 hours…. O_o .. guess he is making up for yesterday’s lacklustre nap.

3:30 p.m. — He’s up. I take him to the park, dressing in jeans, and a warm sweater, but that isn’t enough in the shady leafy park, so I bring out spare blankets and wrap my legs.

6:12 p.m. — Home. I want to enjoy this weather and time before snow hits and it is too cold to go out and I’ll want to hibernate all day. Also, I left early, rather than leaving at 7 because he was starting to act up at the park, not taking care around younger children which frightened me (he almost stomped on a toddler’s fingers, climbing up this step ladder thing!)

7:40 p.m. — I try and work on my book after dinner, I have been working non-stop on a visual money management book that I basically wish I had when I had started out in money. It has been a long time in the making, and it is finally going to be done and available on Amazon along with all of my other books now. I finally got on the Amazon bandwagon instead of trying to do it myself.. obviously that hasn’t worked as well.


9:36 p.m. — Time for bed.

Spent: $0

DAY FIVE

6:00 a.m. — I wake up and have a cup of tea….

7:59 a.m. — Working on the book. Nonstop. I am just typey-typey, pounding out words.

11:25 a.m. — In between I am taking breaks and playing with Little Bun (also, care of Little Bun), but in general, I have been focused on trying to finish everything ASAP. I just feel like I have such momentum and so much in me. I have more books waiting to rush out!

12:08 p.m. — Lunch time. We have pasta, and Little Bun also helps me make cashew milk with mixed in organic spinach. I LOVE this stuff. My recipe is 1 cup of soaked cashews, 3  cups of water, 6 dates, and 1/3 a box of spinach. You can’t taste a single bit of the spinach (great, I am getting my greens in), and there is no added sugar save for the dates, which are at least whole dates and not processed or refined sugar. Sugar is sugar!

2:41 p.m. — I take a break from writing and take Little Bun out to the park and have fun.

8:56 p.m. — Time for bed. Little Bun fights brushing his teeth but we coax him in and he does it.

Spent: $0

DAY SIX

7:59 a.m. — It is raining and it is giving me a hell of a headache right now. Like seriously painful. My head is hurting, I am dizzy.

8:08 a.m. — Little Bun looks at me, and softly says: The rainclouds are crying. Mommy doesn’t like the sad clouds, they make her sick. Mommy only likes the happy clouds.

10:27 p.m. — Little Bun wants to go out, so I take him to Staples, and he plays with the clocks (signs for stores), and in general, loves just being out. I take him to the art store, but there is no sandbox setup like before, so I take him home.

12:28 p.m. — Lunch! I eat Thai Green curry, it was good but very filling… especially with all the rice.

1:40 p.m. — Still watching this trashy 90 Day Fiance Reality TV show. Don’t judge me. I am so in invested in these stories.. I want to know how it turns out at the end. I would love a great, happy love story. They just all want to find love.

2:59 p.m. — I head out quickly while Little Bun naps with his father to buy some dandruff shampoo because my head and scalp is itching like crazy out of the blue. Out of NOWHERE, itchy and I JUST washed my hair. WTF… It isn’t that my hair is dirty, or anything, it is truly something that won’t go away. Dandruff has to be treated. *sigh* $5.49

4:38 p.m. — Little Bun plays with his new Barbie and Ken on the floor. We got a dark haired Barbie.. and he doesn’t seem very interested in them, but he has the option, along with a dollhouse.

6:41 p.m. — Still working on the book formatting, and releasing/publishing. It will be done soon.

9:22 p.m. — Time for bed.

Spent: $5.49

DAY SEVEN

6:00 a.m. — I make some matcha green tea, and love drinking it as a latte for the morning. It starts my day, and I cannot begin without this drink. It’s part of my routine, and sort of my breakfast. I am not a big breakfast person (brunch yes), and eating early in the morning as never been my thing unless I didn’t eat dinner the night before.

7:59 a.m. — I check on my transfer of the $25,000 line of credit to my high interest savings account, and the earnings have definitely gone up a bit. Worth every penny. I create another transfer to move that $25,000 back to the line of credit to clear it off before the 0% interest period ends. I am NOT PAYING A PENNY FOR THIS MONEY.

11:48 a.m. — Time for lunch… delicious and Little Bun eats TWO bowls of pasta with cheese and lots of basil. We basically ravage the two basil plants and there are no leaves left worth eating.

12:56 p.m. — Little Bun wakes up from his nap and announces that WE have all decided that it would be fun to go to the park.

2:28 p.m. — I really don’t want to go. My back is hurting, I don’t know what I did but I twisted it badly and need to lie down, but Little Bun wants to go out. I am waiting for my partner to come back so HE can take Little Bun out to play soccer. I need a break.

4:15 p.m. — I do two loads of laundry, and dishes.

8:30 p.m. — Time for bed. I wash up, clean up, dry all the dishes, and then check that everything is fine until bedtime.

Spent: $0

———-

Want more? Read all of my previous Week of Money Diaries.

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Sherry of Save. Spend. Splurge.

Millionaire at 36 after getting out of $60K of student debt in 18 months, a little over a decade earlier, using TheBudgetingTool.com. Since then, I have paid my $600K home in cash (my half was $300K), my $180K casr in cash, worked 50% of my career (taking 1-2 year breaks), and quadrupled my income within 2 years of graduating, going from $65K to $260K with an average lifetime savings rate of 50%. I could retire today if I wanted, but love my work-life balance as a freelancing consultant in STEM (Science, Technology, Engineering, Math). I am all about balance - between time and money, and also enjoying my money. I also post daily on Instagram @saverspender.

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