Love your Eeyore Mug, so cute 😍Great variety of meals, it all looked good. How did you make out with your shrimp?

Your LOC paydown strategy is going great!! Awesome progress.

Was the difference with Strikers amount for his bed purchase maybe? Happy 2025!

Ty!

Cut a piece of cardboard to slip under the page you are writingbonnin your budgeting book. Use something light weight like a cereal box or use corregated cardboard.

Type "diy protien bar" into Google then peruse through the returns.

Wjen i am hosting a holiday or other meal, i keep myneyesnopen for sales, coupons, and clearamce months out; one to a few items at a time. Sometime in August/ September i put together a rough menu while continuing to keep my eye open for good to great prices and slowly adding to my party stockpile and firming up the menu.

My mother's birthday was the 23rd of December too.

sometimes facebook marketplace or thrift stores (or even ebay) have lots of yarn very cheap. great if you are just beginning crocheting and don't want too invest much. Loom knitting on a round loom is very easy to start with and you can make a hat pretty quickly.

Watching this on December 23, 2024, so 🎶"HAPPY BIRTHDAY TO YOU, Happy Birthday to you, Happy Birthday Burnaby Girl, HAPPY BIRTHDAY TO YOU" 🎵 Hope you are enjoying your day.

? have you thought of getting a mic? Maybe its just me I have to push that volume way up. ❤

Wish the best for u

YAAAAYYYYY!!!

Happy Holidays 🎄🔔🎁⛪🎶

Some days I can barely get out of bed let alone cook. My freezer has tons of vacuum-sealed containers of different meals that freeze really well, are nutritious and filling: meat and bean chili, lentil stew, red lentil curry, biscuits, etc. Make one-pot recipes that yield a lot of servings then the effort and average cost per serving is very low. I know it's a bit more cost up front but doing big batch cooking when you have the energy is a huge time and cost saver in the long run. Also, you'd be amazed at how many foods freeze and keep for a while. Got some garlic about to go bad? Mince it, freeze it and break off little bits as you need them for cooking. Milk about to go bad and you have a lot of it? Make biscuits and freeze them, etc. I also buy some protein bars and shakes when they are on sale so that if I'm really out of energy, it'll get me through for a bit. Hope that maybe helps. I have some other ideas, but don't want to spam an essay :)

Could you talk louder? Already on full volume😊

If I were you, I would quit calculating things based on individual paychecks and use your monthly after-tax income instead. Then calculate all of your monthly NECESSARY expenses (housing, food, gas, medications, etc.) and subtract this from your monthly income. That amount will be the maximum you can put toward any debt. Personally I would worry less about calculating the 1-, 2-, 3-, etc. year payoff amounts and focus on putting the MAXIMUM amount possible toward your debt. This will always ensure you are paying the least amount of interest on the loan. Highly recommend watching Caleb Hammer's channel as he runs these types of calculations in almost every video. He's quite harsh with his guests but that's kind of his brand, lol. I hope that helps!

WOW!!! What a great video celebrating your recent visit with family and friends in Edmonton 🎞🎞🎞 . Loved seeing all the bits and pieces, of home and outings, and yep, looks like lots of great food was had by all. 👍Great job on compiling it!

Great video 😊

I would add a splash or two of evaporated milk to smooth out the sauce.

I found you the link to the online cancellation for your YMCA-YWCA for BC, and put it in a comment here, but when I came back to write it down for my records incase I find someone else who needs it, it isn't here anymore, so hopefully it was you who took down my comment with the link, and were able to use it, lol.

Great job!!

YAY! Such good news 👍 For protecting your desk surface, have you looked into getting a clear sheet of acrylic or glass. Both can be cut to size easily by yourself or places like Home Depot or Hardware stores for free or nominal charge. Another option is just using a clear coat of water-based sealer over it. Another KZbinr has a video called "The Best Top Coats for White Furniture that Won't Yellow". She compares 6 different water-based sealants over painted furniture. Her channel is Lovely Etc. Using the sealants will help preserve your wood finish and offer a bit of protection. For myself, as you mentioned your concern was about using markers and having bleed-throughs, I would go for the harder surface protection of the acrylic or glass sheet, lol, but does cost more :D

Check out Canada's Price Accuracy Scanner Code. It's a voluntary agreement for stores. If the store follows this code, they give you an item for free or 10 dollars off (if item is more than 10 dollars) if it scans higher than the advertised price.

Been making this forty years you recipe looks great

Ty!

We were certainly experiencing winter in it's full glory in Edmonton during your visit, LOL. Glad you didn't mind the snow storms and had a good visit with your family and friends (and pets) 😉 Canada Post seems to always go on strike every year, just in time to disrupt Christmas...they are my "Mr. Grinch" company this time of year, 🤔

i find the tea is stale! nothing to keep it fresh??

I’m curious what your plan is moving forward. I’ll stay tuned in.

BFe 언니커피 7:07

Your LOC documents should tell you how long it'll take to pay off the debt making minimum payments. I think you may have miscalculated because I don't think you accounted for the fact that interest will continue to accrue month over month. Check your documents. Good luck! Using basic math and not knowing the structure of your loan, you could theoretically conclude that with a $25,000 principal loan amount and a 10.15% annual rate, you'd accrue 2,500/yr or $200/mo in interest payments. Also I got out of debt following Dave Ramsey's Financial Peace University plan. 1st: You save $1000 mini emergency fund. 2nd: You pay off all your debt as fast as possible (no saving during this period). 3rd: You contribute to a full emergency fund (3-6 months expenses). 4th: Then you start saving and contributing to retirement. (That's 4 steps out of 7).

커피 4:16

I use the same budget book, works great

Glad things are going well this pay period 😀 For Visa, I actually use 4x6 Index Cards for each month. As soon as I use my card (IRL, online), I then grab my index card and enter all the charges right away with a running total. It is setup like this. This example shows someone carrying over a balance of 200.00 from the previous month Date Particulars Category Debit Credit Balance Oct 31 Balance Forward 200.00 (example only, lol) Oct 31 Interest Charge CC Interest 25.00 225.00 __________________________________________________________________________________________ Nov 01 Walmart Grocery 35.00 260.00 Nov 04 Coles Book store Entertainment 73.49 333.49 Nov 05 Visa Payment Debt Payment 200.00 133.49 And so on for the whole month. You like using your scribbler/notebook, so you wouldn't need the index cards, lol. I just find it handier to have the index card out where I can see it at all times instead of pulling out a book or turning on my computer to use a spreadsheet 😉 Using this method, when things go wrong with a company/bank doing software updates, like you have been experiencing, you don't need to rely on seeing your online balance, you already have everything (all your transactions) recorded. This will also allow you to stop worrying about "pending" transactions you are seeing online. They only come into play at the end of the month when you are going through your Visa Bill to reconcile your account.

I believe you can add a family member to your amazon prime account so they can log in with their account and make purchases with the same prime benefits. I know it works like this in the US, I guess it also works like that for Canada. Might be worth checking out.

An open package of pasta doesn't go bad. Keep it in an airtight container (plastic bag or jar) and use it whenever. Should be good for many months or more.

😊

Yes I have a working pantry, rather than an emergency one. I know what I like, and purchase 3 to 5 when they go on sale. I notice that sales are on a cycle. Every 3 to 6 weeks. Example yogurt and cheese about every 2 to three weeks. As I age, I’m less interested in meat. So I eat more beans and rice dishes for protein.

I like this! Can't imagine hitting up 3 grocery stores in one night though, sounds exhausting. I live in South Burnaby, so I can hit both Walmart & Superstore at Metrotown, since they're next to each other. I do price matching too at the Saveons next to me whenever possible. Keep an eye on expiry dates if you're planning to store items in the pantry

Great job, building your pantry with sale items

Thank you for this video, I like your digital envelope system.

If it brings you joy to decorate your budget pages, then go for it! Life is short, budgets can be stressful, and expressing yourself through artistic interpretation, is never wrong...

First add no more debt. Second pay current usage amounts and bills on time. Third get caught up. Fourth pay down and off debt.

I would strongly suggest you not worry about the stickers/cohesive look, etc. It doesn’t matter what or how anybody else does theirs. Focus on the actual budget - the rest has absolutely no financial meaning or benefit. In fact, the stickers, etc - actually negatively impact your budget as they cost money - previously or whenever they’ve been/are bring purchased. Let alone, stickers and such, are “wants” not needs.

Suggestions: You need to do a zero balance budget plan. Otherwise, your budget is really a wish - without a true realistic plan and your debt will only increase over time - because you never have enough to cover everything on a given month (or week, etc). To do a basic zero balance budget: Take your paycheck(s) total and subtract everything that is owed that week/month including your MINIMUM monthly debt payment(s) (not what you want to be able to apply to it to get it paid quicker). Make sure you included all NECESSITIES - and eliminate ALL “wants” - like going out to eat, manicures, subscriptions, etc. If you eliminate all of those “wants” you will have more “extra” money to put towards debt. It may not seem like much - but it truly adds up. For example don’t “give yourself” $60/paycheck. Instead, as hard as it can be, don’t do that and apply those “available funds” to paying off your debt sooner. Let’s say you do give yourself $60/paycheck or even for the month. By spending that amount on “wants” … more interest is added to your total debt because you’re not paying it off as soon as possible. Hope that makes sense. Cut up/cancel all credit cards and don’t open another one or borrow any more money - from relative, bank, etc. You have to budget and spend (including MINIMUM debt payments) no more than what you actually make/bring home. Otherwise, you’ll forever be “short” and will fit yourself using credit cards, borrowing, etc. And that only makes your financial situation worse in the short and long term. Make sure you have saved at least enough in your emergency fund to pay all bills/needs (including minimum monthly debt payments) for one month. Do not ever withdraw from this unless a true emergency arises. (Eventually having 6 months emergency funds saved is best.) Can you find a bank or credit Union that doesn’t charge monthly fees? It’s very common in my area to find such banks and especially credit unions that charge no fees and require no minimum balance. Some banks online (with automatic deposits) offer this too. Again, a little bit of $ could be saved this way to put extra towards debt. If you have not watched the financial KZbin channel by Caleb Hammer I would strongly suggest doing so. He works with people who need budgeting help, including zero balance budgeting. Good luck! It’s hard - but is doable with zero balance budgeting. Best, Kate

Yes, I use 3 apps, Safeway is my favorite too. Building a pantry takes time but now I can buy the sales and spend very little. Keep it up! I enjoy your videos

Hi, I like your thinking on buying items on sale. U budget 80 a month plus 20 for pantry deals. I never buy full price!! I’ve built up a good well stocked working pantry. Oh, by the way I’m 70 and retired, so lots of time for looking for he best prices

Hello! New subbie here😊😊

Hi :) Sorry to hear about your ongoing long term concussion struggles. Glad you were able to take care of the subscriptions you no longer need at this time (actor related & language). Just something to keep in mind going forward regarding the money "saved" monthly.... *Unless you were able to get the Cake Language app to give you a credit for the rest of 2024?... You included the monthly breakdown fee from the Cake Language app, (paid annually and set to renew in January 2025), which was already paid in full for 2024, so you would gain no savings for the rest of this year unless they agreed to refund you? If not, then good to show the savings you will be gaining starting in 2025 with Cake Language app gone, but for now, please don't add the $82.46 into your working monthly budget, you are actually looking at $74.79 (without calculating taxes of course as you did as well) savings per month, otherwise your budget efforts will be out again by that 7.67... *Again, this is only if the Cake Language app didn't agree to refund you for the rest of 2024 remaining on your subscription

Very helpful! I am looking forward to starting something like this, I am tired of being in the negative every check