Legitimate Question! If your husband is working part-time right now, have you considered reducing day-care costs by having him become the primary care giver at least a few days a week? I'm not sure how much day care costs where you are but it could be significant until he's got a full-time job AND very rewarding to spend time when them at home while they are so young.
@Erica The cost of not paying (socially) is probably much higher than the cost of paying it ($5). And if it's just $5 a month, if you use it ONCE it's worth it, I'm sure the person has occasionally drunk from it too.
This is why a solid emergency fund is key. Your leakage won't end up costing you in penalties. I'm currently plopping 2x what I put in my RRSPs into an Emergency Fund right now for when my contract dries up this summer, so I don't have to absolutely scrape by while I find another job.
As much as I love my e-reader, things like this just reinforce my belief that I will always have musty tomes in my house :) Minimalism be damned.
As a fellow person who is absolutely not raking in 'the dough' but has successfully lived independently AND saved at the same time, I find that the biggest barrier to really buckling down with goals is making ones that are measurable and realistic. You don't have to bank serious dough to save serious dough. I have a lot of friends who live paycheque to paycheque or just throw around their disposable income because they believe that they will make more later, so they shouldn't bother with savings now. Except that your cost of living only increases with time and age, and that stuff you save longterm now has tons of time to gain interest and grow, grow, grow (like a GIC or some bonds maybe?) Increasing your savings rate is a good goal to have, especially if you want to be like your friends and get a home in Toronto (eek, I share that horror.) Take advantage of the opportunity you have with your parents, don't rush to move out, but if you make a firm savings goal or plan in place you'll probably stay away from home longer the next time. PROBABLY for good!
@bgprincipessa Yeahhh, Gilmore Girls is not a sitcom at all. Dramedy for sure, but I'd even say drama. It's FUNNY but it's by no means a sitcom. And it's an hour? I had a hard time finishing this piece because it fundamentally misunderstood GG so it's initial argument about Rory is misguided.
I feel your pain sister, I'm also on a beauty-reduction next year to stop buying ridiculous things like masks and yet another blush or bronzer. But I also totally get what Crystal is saying. If your budget beauty buys are to imitate higher end brands, you're probably spending more than one palette or one lipstick. I've stopped buying the cheapo stuff to focus on the bigger things which means I shop less and somehow spend less too.
Don't spend money on dates for things that you don't want to spend/feel entitled to spend money on. (This also goes for dinner with friends, holiday parties, gifts for others, etc.) Good life experience.
@HelloTheFuture Ahhhhhh, got it. I myself also do online only but I LOATHE LINING UP AT BANKS so yeah, I will scan checks in my room w/ no pants on.
Nicole, do you have an android? You can change the order of your buttons for MAX EFFICIENCY (I do also hate buttons moving, it's why I can never figure out other people's phones.) I think there are always some tasks that people loathe more than others. After years of needing to go to the laundromat, having a washer, at least (I'm cool with air drying) is a REQUIREMENT because I can put a load in and come back to it later. The menial task of WAITING FOR MY LAUNDRY IN ONE SPOT AND ONLY DEDICATING MY TIME TO IT made my blood boil. I hated it. Maybe, in your case, you should just make a cheery walk to the bank and befriend a local teller. I'm sure they'd love company from somebody who actually ENJOYS the off-loading of work onto them.