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Trouble with Tracking


Hello again!

I’m working on what I referred to as “The Reckoning” but struggling, so I decided to be honest about what is going on.

Hitting my Goals

My goals are moving along beautifully. It’s Friday and I’ve been to the gym three times! I signed up for a trial of the weight loss app Noom, which uses the principals of Cognitive Behavioral Therapy (CBT) to help form lifelong habits. This isn’t a fitness blog, so I won’t get in to the specifics (but feel free to ask about it in the comments). Going to the gym, I weighed myself, and while I actually haven’t put on pounds since last year, I’ve lost muscle and I am obese. Yep, I’m apparently obese based on my BMI! I am fairly heart-healthy thanks to a lifetime of endurance sports, but heart disease runs in my family. Being tall with a large frame, I can hide weight gain pretty well… but, it’s time for changes.

Gym + planned meals = within budget for spending, my dear readers. I am having a hard time tracking money (more on that below), but I’ve had very few transactions since last week, so things are ok.

Real Life

I’ve been hemming and hawing about how honest to be about my personal life. The reality is, since around when I wrote about my ex in my first post, we’ve been together. Yes, the whole dang time! It’s messy but beautiful, like it has been since we were teenagers. Two people can love each other but also be going in (profoundly) different directions. He has a construction job for a couple of months, and we’ve decided to try and figure out for the last time if there is some way to make this work. It’s always fine while he is working, but when his restless gypsy heart stirs, he moves on to the next thing (a self-imposed employment sabbatical or an impromptu months-long trip to BC) . In the past, that has left me scrambling to pay bills for shared leases and utilities. He always gets the money, but it’s rarely on time, and that gives me tremendous anxiety. Worry not, though – I am not joining myself to him legally or financially.

We are going to go to therapy to talk about finances and life goals, and respecting each other’s dreams and boundaries. There are some affordable options, and he can pay since I’m watching his dog during his long work hours.

Existential Questions

I always thought I would be married with children by 25. My parents had me very young, and I’m the eldest of five siblings who are all further along in life than I am. Granted, they live in very small places with extremely low cost-of-living. I have a sister who bought a house and had a baby at 22 (in a place called Pictou County – the house cost as much as a mid-range car)! Another sister was married at 22. And my brother, the next eldest after me, has a baby, a defined and profitable career trajectory, a fiancee, and … *drumroll*, he is mortgage shopping. The homeowner sister was given a mortgage while she was a student and her husband worked at the Apple Store. Yes, a retail job. Readers in large cities will understand how mind-bogging being approved for a mortgage with a retail income is. And here in Toronto, friends in their mid-30s talk about not being ready to settle down yet. City vs. Rural – the divide is real!

Me? I make more than 2.5 siblings combined. My friendships are rich, long, beautiful relationships that have been nourished since childhood. My rented house is spacious and affordable (unheard of in Toronto), and my pets bring me so much joy. But I can’t figure out my purpose, my passion. There’s this niggling thought that time is passing me by and I’m stuck. Does anyone ever feel that way?

I can’t seem to think about anything else this week. I wonder what I should be doing in life. Why do I feel so uneasy?

Oh yeah, I’m a finance blogger

I haven’t tracked spending since the paycheck on August 30th, and it seems insurmountable now. It’s not the former ex (awkward title, ha!). We both work crazy long hours – he only gets weekend time with me. It could be that it’s September and I haven’t had any time off since last Christmas. I’ve become basket case, worried and exhausted. Is it crazy that I’m daydreaming about being called for my finger tumor surgery just so I can have another few days off work? Yikes. Next week, I’m taking at least a few days off for staycation and catching up. I’ll definitely have some visuals (I’m working on some Excel charts) for my spending in August by then, if not sooner.

Tracking Help?

I loved EveryDollar at first, but it seems like a terrible amount of work right now. I don’t have a September budget finished, and I don’t have any interest in spending two hours doing that. And why is biweekly pay so frustrating to track monthly?! There has to be a better way. I took physics and math in university but when I look at a budget, I see stars. I can’t figure out a clean way to allocate bi-weekly paychecks in to monthly budgets. Is there a way to budget every two weeks?

However(!!!), I am still trying to improve my situation. TD owns my car loan, and I received an email from them about a pretty good deal (I think?) on a line of credit.

The catch appears to be that, after the first year, it switches to a variable rate which is Prime (today that is 3.99%) + 8.49%. I’ve only done a few minutes of Googling, but that rate would be higher than the average fixed rate. I’ve got a bit more research to do on this. I don’t want to apply and have my credit dinged with a hard inquiry if it’s not the best offer. Seeking advice on this from readers!

My savings are up, but debt isn’t really down, and I feel adrift. I’ll pull it together and get you the hard numbers, I promise. Monday seems like a good day for that.

What is Your Bottom Line?


I have participated in several programs put on by The Nourish to Flourish Society this year. And while they are a women’s health program focused on what women eat, how we eat and so much more regarding self care, I learned a lot about myself. Many of the concepts can be applied to my financial life, one in particular.

What is a Bottom Line?

Angelle and Jill present this as it relates to food choices, specifically soda. Here is what they have to say about Bottom Lines.

What are bottom lines? They are the decisions you’ve already made about what you will eat or not eat or about how you will or will not exercise or about how you will or will not talk to yourself or about habits and rituals you will do or not do.

For example, what if every time you are in a situation where you could drink soda you felt torn about it? You kind of want to drink it even though you know it’s not nourishing for you. You then have to decide EVERY time if you are going to drink it or not drink it. It can be exhausting.

This was fantastic advice for me when it comes to eating and making those hard decisions when trying to stick to healthy eating. But I have come to realize that this is just as applicable to my financial decisions.

What are my Bottom Lines?

My bottom lines have evolved over the years as I have moved on this BAD journey. Probably my first was was giving up soda. Not only did I give it up personally, but I removed it completely along with most “junk/snack” food from my grocery budget. By doing that and by living by a meal plan has made a tremendous impact on my grocery budget over the years.

Some other bottom lines I have include:

  • No entertainment budget. Deciding if we are going to go out at any given time and do something that costs money is a no brainer. Unless something has been planned for a while, we just don’t spend money on a whim anymore.
  • Clothes. For years, we have spent money on clothes two times a year. My kids know this, I know this. Again, we don’t shop for clothes or even look at them when we are out.
  • And more.

I think one of the things that really makes the “bottom line” concept work for me is that my kids are aware of my bottom lines too. This keeps the “asking” and “whining” and the “expectations” at bay and takes the pressure off me. Does this make sense to you?

So considering the aforementioned definition, what are your financial bottom lines? And having those bottom lines, how much do these “pre-made” decisions help in your day to day life.

Ladies, if you are looking for an amazingly supportive program related to self care, you should check out Nourish to Flourish’s *free* digital copy of 7 Ways to Nourish Your Life Everyday + 7 Recipes You’ll Love. You can register on their website here. (This is not an affiliate link, I have just really enjoyed their content so I thought I would share it.)