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Wednesday, 29 April 2009

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Tuesday, 03 February 2009

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    The Fragile
    By Nine Inch Nails
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    Jan Financial Wrap-up

    Hey kids!

    I came back to gloat a bit.  Take a look at my pie chart for this year, one month in:


    Things have started out rather good on the financial frontier, but don't be fooled.  This is probably where they're going to stay for a long while, only to be followed by a steep decline when I can't find a job after graduation.  Oh, the economy!  What a laugh!

    This month has treated me quite well on the book selling front, but tis the season for that!  Since December, I think I have sold and shipped 5 textbooks, each worth between $20 and $50 in profit.  That money has gone straight into the travel fund, so it's sitting in a pretty nice position already.

    Yesterday I received a letter in the mail informing me that I will be getting a bursary from the school.  I'm not sure for how much, but I do know it's more than $100.  At this point I haven't decided where it will go.  I am considering beefing up my emergency fund, or maybe using it to get new glasses, or maybe putting some into my travel fund while using the rest for some things I "need" for school and my placement ("need" is in quotations because I haven't fully convinced myself that I do, in fact, need these items).  Maybe I'll divide it up into all of those categories.  Either way, I think I'll wait until I know how much I'm getting before I make any final decisions.

    I also started to get my taxes together.  It's looking like I'll be getting a healthy return this year, so I've been considering what I will do with that.  It'll still be a few months before I see any of it, but I can try to make some sort of plan.

    I have started to look up job prospects too, in the hopes that I can find an opportunity that I want to pursue.

    So what am I going to do in February?
    1. Continue scoping out job prospects.  I have decided to do some info seeking through my teachers.  Mostly I'm just trying to find workplaces that I might like to work at, whether there's an opportunity available or not.  I would like to graduate with a job lined up, so it's going to take a lot of work over the next few months to track down the opportunities that are out there.
    2. Continue figuring out what I want from a dream job.  Part of getting a dream job is knowing what it looks like when you're searching.  This is not to say that I am going to hold out on getting a job in the meantime, but the personal realization of what I'm looking for will help to determine my direction.
    3. Find new ways to save or make money.  As much as I'd like to work right now, I don't think it's realistic for me to be able to balance school, my placement, and a part time job without going absolutely crazy.  But there must be something else I could do to help me save money or make more money.  I'm going to explore some creative ideas to do this.
    To the next check point!



    I am assembling a career portfolio.  I would like mine to be different than the typical one out there, something that stands out and shows my personality.  To do this, I was thinking it would be great to house the files in something other than the traditional leather (or pseudo-leather) portfolio binder, but I'm having trouble thinking of something that is me, but also professional  (as much as a macaroni artpiece would reflect me, I don't think it's appropriate).

    What creative things could one do/use for a portfolio?
    - a lab chart board that they use in hospitals
    - a recipe box (well, a very large one), or a cook book
    - a magazine
    - a photo album
    - ...?


Friday, 02 January 2009

  • 2008 Financial Wrap-up

    Hey friends.

    It's been a long time since I've blogged my financial progress, but the goals have not been forgotten!  All in all, this year was quite successful, even though I did not completely reach my goals.  But now that I am in a better position to find a career, I think it's for the best in the long run.

    So how did it end?


    Can't say it went too badly, considering I was only employed for half the year!  I had four goals as of the "Revisited" targets I set for myself by the first few months of the year.
    1. Save up an emergency fund.  I managed to exceed my target number in the first 8 months of the year, but it has slowly dwindled away through my unemployed student status.  I am at 67% of my revised goal, which is still enough to get me through 2 meager months.
    2. Eliminate my credit card debt.  Successfully completed by October.
    3. Payback all money I owed to friends/family/roommate (specifically the bills I owed my roommate).  Everything was completely paid off by the time I moved out on July 1st.  I had managed to catch up all of the bills by April, and was excited to be paying off my share of the bills as they came in.
    4. Contribute half of the RSP allowance available to me.  I didn't even come close to reaching this goal, but I did open an account and start socking away some money.  It's a start!
    Even though I did not come close to reaching the savings goals I had (I was about $1800 short), I am happy to say that I completely eliminated the debts that I had, aside from student loans.  And being 80% to a nearly $9,000 goal in one year isn't bad at all with the kind of income I had!

    At this point in time, it's difficult for me to set too many goals for myself for 2009.  I'll be graduating in April, and I am unsure as to how likely I will be able to get a job straight away, let alone if it will be full-time and how much it will pay.  I will set four goals right now, based on low-ball estimates of my potential income.  They're quite low compared to 2008's progress, but it will still be a challenge!
    1. Double the size of my emergency fund from 2 meager months to 4 meager months or 3 cushy months of expenses.
    2. Save $2,000 for future traveling expeditions.  Mike and I would like to go back to Paris in 2010.  My friend James just got engaged, and though there's no date set yet, he lives in England so it'll be a hefty price tag to get there for it.  We also wanted to go back to Halifax sometime, and make my first visit to Ottawa in the summer.
    3. Contribute $1000 to my RRSP.  Really, not much compared to how much I am allowed to contribute, but I don't think I could contribute much more without heavily reducing my enjoyment throughout the year.
    4. And, of course, keep my credit card balance at $0!
    I hope to be able to beef these numbers up later on in the year, job pending.  But in the meantime, here I go!

Saturday, 27 December 2008

  • ......

    January 10, 2008

    I can't remember the last thing I heard him say, or the last time we hugged - come to think of it, I don't think we ever hugged.  That's just not our family.  There was no life-changing discussion, or any type of special bond between us.  Hell, I don't even have a cherished childhood memory of the two of us.

    Maybe I've just reached a point in my life where I realize how important family is.  Or maybe I did have a connection to him that had become hidden over the years.  We were really close before my parents split up.  We spent a lot of time together, in the little group of kids and their dads, tied together by the life-long friendship of our parents.  All the dads would share ski-doo duty on a typical winter afternoon, filling their sleds with whichever of us didn't have a place.  In that respect, he was a dad to me. 

    And he was my dad.  They were best friends who did everything together.  As far as I know, there weren't many days when they didn't go for their afternoon/evening coffee together.  It was never a matter of if they were going, just when.  It's difficult to imagine my dad without him nearby.

    It's tragic to imagine my dad without him nearby.

    I never expected this would hurt me so much.


    You are missed.



    The thing about losing loved ones during the holiday season is that the day will never go by unnoticed.  It's always going to be an unusual day, no matter  how many years go by.  It's no September 5th or May 14th, the days that are as normal as any other day.  It's a day when your routine is different and those regular distractions of day-to-day life are not there to make you forget, if only for a few minutes.  No, it's a day during the season that emphasizes spending time with family, serving as a constant reminder of those who are no longer there.

AlainaOfArc

  • Visit AlainaOfArc's Xanga Site
    • Country: Canada
    • State: Ontario
    • Metro: Sudbury
    • Birthday: 11/14/1984
    • Gender: Female
    • Member Since: 5/26/2006

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