I'm a savings geek

I know that my updates have been non-existant lately but that's because 1) I'm in the final two weeks of the semester (why did I think a Summer semester was a great idea?!) and 2) I'm on a self-imposed shopping ban. I'm going to California in September so I'm obsessively saving to make sure I have enough $$ to do some serious shopping.

I have never saved in my life so this is all new to me and, weirdly enough, I kinda like it. I opened a high interest savings account tied to my regular chequing account to make it easier for transfers, withdrawals, etc. Then I started transferring everything into it that's left at the end of the pay period. I get paid every other Friday so on payday morning I check my account, whatever's in there other than my paycheque goes into savings. Next I cut out Starbucks. I was drinking one, sometimes two, Starbuck's coffees a day. There's no reason for me to drink them at all. I drink coffee at home in the morning before I leave for work so I didn't need that second, or sometimes third one. Now I rarely even want a SB anymore and the money that I saved goes straight into savings (I put $5 per day). After that I cut out going for lunch. I bring lunch now at least four days a week, most weeks every day. I figured that I don't even like anywhere around here for eating out so why was I bothering?! Lunch was costing me a good $7-9 per day, at five days per week so it wasn't worth it. Most people at here at work bring their lunch and I like how it gives me more control over what I'm eating. Coffee and lunch alone have saved me $65 per week, which all goes directly into my savings. It's sad that those two things total almost what my car payment is.

That wasn't enough for me so then I started putting away even more. I set up a Bank The Rest program at my bank so whenever I spend any money on my debit card it rounds it up to the nearest $5 and puts it in my savings account. Also, whenever I save any money I put the amount I save into my savings. The other day I got a pair of work out shorts for $12.50 were regular $35, so I put $22.50 into my savings as soon as I got home.

It doesn't sound like I'm doing much but trust me, those little things add up! I've been trying to think more abou what I buy too before I buy it. Until this summer I used to be a terrible impulse shopper, handing over my debit card before I even thought about buying something. I have so many things that still have tags on them because I've never worn them. Now I find when I think about things I either 1) decide that I don't really want/need it or 2) realise how much I do want/need it and feel satisfaction knowing that I will get use out of what I bought. This is working out well because I realised that if I want to go out and buy, say a new bag or something, I can afford to get it with one paycheque in cash, not credit, and still have money for living comfortably left over. It's a great feeling.

Honestly I don't even miss the money I'm saving and I get a little kick out of opening up my online banking and seeing that my savings account is more than double my chequing account (and I just got paid!). The best part? I've only been doing this since July 11th!! Right now I can shop pretty well in California and I can't wait! I have no doubt that I'll spend every last penny but who knows... maybe I'll start this up again when I get back after my trip and go on more frequent shopping binges, instead of getting one thing here and there.
I haven't been able to cut out makeup and magazine shopping but I see them as nessecites. Magazines for reading at the lake every weekend and makeup, well that's a given! ;)

Birthday presents!!

I just realised how long it's been since I last updated... oops! Sorry about that! I'm in the final two weeks of my classes (I will NEVER take a summer semester again!) so needless to say things are insane. I'd like to say that I'll never procrasinate with school again but you know how that goes...

Anyway, quick update! I got the bags I wanted for my Birthday.

From my husband I got the Coach Heritage Stripe Tote in Berry/Khaki:



My brothers got me $$ and a Coach gift card so I got this Coach swingpack:



And also from my husband I got this cute Coach cell phone charm (long story but my other one had a magnet in it and erased everything in my phone):



Other presents were:
- The Hills Season 3 from my sister
- Candles from my sister
- $$ from my parents (LA money!!)
- Cake Beauty gift set from my parents
- $$ from grandparents (more LA mnoney!!)
- Slippers and body stuff from a friend
- Earrings from a friend

Very successful Birthday! I also need to post pics of the Birthday card that my super talented friend made for me. I'll get to that later.

Also later I need to post pictures of my awesome new brunette hair. It looks great, I've had a lot of positive feedback, it looks and feels healthier, I just really like it.

Anyway I have to get back to my school work now. I have a really boring week at work so I'll make more updates this week.

Message board

Last post of the day I swear!

I had to share this because I think it looks too damn cute. It's a cheap message board that I got from Wal*Mart that has photo frames at the bottom. I thought it was a great way to show off some of the pictures I have from the Spice Girls and Justin Timberlake concert (yeah teeny bopper, I know) as well as random pictures I didn't know what to do with.

New sunglasses!

I got a gift card from my husband for Sunglass Hut (for no reason!) so on Friday I decided to go spend it. I really thought I'd end up with a pair of D&G or Burberry but surprisingly I ended up with a super cute pair of Vogue sunglasses. Huge bonus was that they were cheap enough that I even have a little bit of $ left over from them.

I <3>

<3 Coach!

It's my Birthday in just over a week (August 5th) and since a Coach store finally opened up in Calgary I have a couple of things on my Birthday list. I created an online registry and emailed it to my husband and parents. I went to the store on Friday and my mum told me that she can either buy me a bag or give me $$ towards one. I have no idea what my husband's buying me. *fingers crossed*

Here are my new must-have beauties:

I want this dress!!

I admit it, I'm completely obsessed in love with The Hills. I was just looking at pics of the stars and I fell in love with this dress that Audrina's wearing. I love it and I have to have it! Does anyone know who it's by and where I can get my hands on one? Or something similar?

The pictures issue...

They're taken and uploaded from my camera but since my internet is down at home and I'm borrowing it from my cell phone Photobucket is uploading them super slow. Once they're all uploaded I'll add them to the posts.

With any luck the phone company will be out here soon to get the line fixed. The house next door to us is in the process of being built and apparently one of the construction crews there damaged our phone line... so no home phone and no internet for over a week. Makes me sad.