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starchyk

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starchyk last won the day on November 26

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About starchyk

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  • Birthday 01/03/1980

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    Female
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    Toronto

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  1. I did it! Just transferred the money and I now officially have 3 months expenses in my emergency account. I chose 3 months because that’s the waiting period for LTD if I became unable to work. I have very stable employment (federal government employee in Canada) so its extremely unlikely that I would lose my job without a ton of notice, and I would have priority in hiring for other federal jobs in that case. I have healthcare, and I don’t have a house, car or kids, so that eliminates a lot of possibly pricey emergencies. That said the overachiever in me wants 6 months just to check t
  2. I am so sorry you won’t get to see your brother this Christmas, Delilah. This situation is really tough. the Airbnb was a budget killer- plus plane tickets... it has occurred to me that my BF and I could spend a week at a nice all inclusive instead, but damn I miss my family. Also, given the current situation, we can’t. I am glad to have $ in my travel sinking fund but it is sad to see the balance of that account go from “ready to book my big trip to Peru” to “I guess Peru is next year.” But again, given everything I can’t book that trip now anyway. So the trip to see my family is bo
  3. September was a good month, even though I spent a bit on new furniture and still haven’t gotten my desk, or the reimbursement for it. I need to get the desk and send my boss a picture before I can be reimbursed, and it was ordered (and paid for) in August but it’s shipping internationally and still hasn’t arrived! But wow, it feels good to just be able to buy the thing with savings and not even have to worry about floating it on a card while I wait for reimbursement! In happier news, it was 3 pay month in Sept, and I’ve got over $7k in my EF now! I was actually just shy of that miles
  4. Thank you all for the encouragement! September is a three pay month, and I just did the budget for tomorrow’s cheque- I will have two months in my EF once I make tomorrow’s savings transfers! And even though I bought a desk (being reimbursed by work, but no idea how long that will take, so it’s budgeted!) I will still have over 10K Total in my savings accounts!
  5. I haven’t been as intense as I should be on BS3... I have been here for over a year and still don’t have a full FFEF. Lots of reasons, but I AM saving, and I am never going back into debt! My FFEF goal is 17,500, which would be 6 months of bare bones expenses. I want to reach 3 months, or 8,750 by the end of this year. However, I hit a milestone this week: I have just over $5000 in my EF savings account! Whoo-hoo! And looking at my budget I have a total of over $10,000 in my “short term” savings category (which is my EF plus my sinking funds - travel, gifts/Christmas, and big purchas
  6. I am struggling with both isolation and togetherness- when this started I offered for my boyfriend to stay here thinking it would be a couple of weeks. He was still going to the office everyday and I didn’t want him taking the train (from my place he can walk) and risking himself and even more his parents who live with him and are in their 70s. So now we are both working from home most days (he still goes in once a week) in my tiny apartment. It’s going better than I would have thought, but my daily runs (alone) and the days he goes to the office being alone is delightful. At the same time I a
  7. If you are staying downtown, or near to a subway stop, I would reconsider the rental car. Driving in Toronto is awful - too congested and too many aggresive drivers. Pretty much everything to see as a tourist is downtown, and easily accessed by foot, or TTC. And in the downtown area, it's often faster to walk than drive short distances, or grab a bixi (bike share). I'm in Toronto, send me a pm if you want some suggestions of stuff to see and places to eat.
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