get out of debt

Well I am doing ok, my line of credit has not gone down at all, but i am learning to save my money and keep things down, the past two weeks i went i little over board but nothing compared to the old me which is good. I had to dip into my saving to make sure i stay on top of things!!

Well I am doing ok, my line of credit has not gone down at all, but i am learning to save my money and keep things down, the past two weeks i went i little over board but nothing compared to the old me which is good. I had to dip into my saving to make sure i stay on top of things!!

Juist found out that i am going to be dinged harder than i thought with reedeeming my rrsp, like 2000$$ wasn’t thinking that ouchie!!! Just opened up a new saving account and i am going to pull some extra shifts at the hotel to helpp out!

Well I am doing good still, paying all my bills on time I have a few saving account set up
1 main saving 850$ goal 1000$
2- Montreal saving 550 goal 1000
3- gardening so i can have a great garden this year
4- moms 60th started today have 10 bucks goal 150-175 by Sept.

My credit line is going down slowly i think after my taxes comes in which i think i might be hit hard for cause i had redeemed all my rrsp, and once i have hit my two major savings goal I will start to funnel more money in there.

But I am quite proud of my self on this on, I even saved 880 in rrsp since dec, which i put into a gic at 3% and i am planning on learning more about investing. Today i put my money into a money market which also has a higher return. so well will see what the future brings me!!

So I have set up three saving account to help me out first is is a plain saving account that i would like to have 1000 saved in there fr important crapp
2d is my montreal trip, I am planning to go down in july ad august ad want to have 1000 saved up for the trip
ad the third is my soo saving, so for specific thing account this rud its for my gardeing, i am making 10$ biweekly payments ad stared with 30,I plan to d a large garden this year as wat t be able to enjoy it with ut it sending me to debt

So I have set up three saving account to help me out first oe is a plain saving account that i would like to have 1000 saved in there fr important crapp
2d is my montreal trip, I am planning to go down in july ad august ad want to have 1000 saved up for the trip
ad the third is my soo saving, so for specific thing account this rud its for my gardeing, i am makig 10$ biweekly paymets ad stared with 30,I pla to d a large garde this year as wat t be able to ejy it with ut it sedig me to debt

Well I have been doing well and seem commited which makes me very happy. My visa, even thou i have been using it has a balance of zero, i have 150 in my montreal saving and 450 inn my reguar saving, i have started off a new rrsp which is at 110 and am making 50 biweekly payments. I look at my budget ften which makes me feel very proud and seem t be planing a head with pre payments. My only debit is my credit line loan with is at 9640. so i have been able to pay off over 300 this month alon besides all the saving and rrsp i have done which is all ass of this mnth dec 1st and that with a crap comission cheque because i was sick fr over two weeks.

Well i have been using my visa more than i planned however i have been quite good by paying iit off right away, so yeah me,
I am struggling coming up with a fixed budget to make auto payments, its just varies so much, i will re look at and try again thou!!

So because of my comission cheques it is seeming quite hard to figure out how and when and what to put on my line of credit, so i think i really need to commit todoing bi-weekly budget updates and check and make payment or set one time pre autrozied payments based on that! I need to really focus in this on and not go hay wire.I will up date u and see how I am doing…

So i canceled my main credit card with cibic visa today. All my misc bills are paid off. All the debt i have now is my rbc line of credit which is a few dollars under $10,000.00 I am keeping my rbc visa for emgerency. I want to keep my hb only for the discounts but need to stay on top of the bills and pay them off right away, i will lower the credit limit to $200.00 that certainly can’t get mein trouble. I am working on my budget but seemingto have problems regulating it( grrrr… ) I have also started a another saving account marked Montreal, for my trip. I set up preautrozied paayments of just 15$ but already put in $200 this will help meon my trip to Montreal!!

1- Decreqase my hbc credit card to $200
2- Make a budget and stick to it
3- Set uppre-authrozied payments