It's very fallish here today - about 6C! But sunny and windy so it seems even cooler. It was definitely a day for Upton's Harvest Blend. Right now, I'm having Timmy's Pumpkin Spice - it's an herbal tea! I've been drinking it for three years and thought it was a flavored black so I have never had it at night. Well, that's changed.
Earlier this year, I made arrangements for the bank to automatically take off money twice a month for my Tax Free Account and my RRSP. Painlessly, I've managed to save at least $800 for each account (at least since there was a banking error that saw that doubled for a few weeks). Normally, I would not have been able to save that much so I'm pretty pleased. I'll have $2000 put away by the end of December.
So today, I decided to try something new. I receive a nice amount of freelance income for music and writing, which supplements my pay - but because it's often paid by cheque, it has a habit of disappearing. In plain speaking, I just spend it on this and that and have nothing to show for it. Each item is worth about $75 or $100 dollars but combined, they add up to a new computer, car downpayment or a little vacation next year. I know there's about $1200 between now and the end of the year and for once, I want to do something about it. So today, I opened a savings account at another bank that allows only one free withdrawal a month - just the fact it's at another bank and the idea I have to pay for withdrawals should keep me out of it! I deposited $80 of my GST refund and used the rest to get a few extra boxes of K-cups. Just the fact the GST isn't in my hot little hands means it won't get spent on groceries or sales at the mall - and that's a good thing!