There’s some good news to share. My ex-husband has called and reports that his employer health care plan will cover the youngest until she’s 21, regardless of her status as a student or otherwise. If she is a student, it’ll cover her until she’s 25. A couple of weeks ago I considered the option that [...]
Archive for May, 2011
17 May
Why I trimmed $6K off my budget for the next 12 months
About a week ago, I realized that I’d have a 15K hole in my budget for the year or so ahead. I was pretty quiet about what transpired in order for me to arrive at this sudden conclusion. Now that I’ve had some conversations about it in my home, I can share it with you. [...]
16 May
Mortgage decision made: Scotia keeps my business
Despite the fog and rain in Toronto on the weekend, the fog in my head has cleared over my mortgage options. I’m going to give Scotia a call this morning and let them know they can keep me, but I’ll be making some changes. Here’s the low-down: Break my smaller mortgage from 4.15% to 2.15% [...]
12 May
One phone call, almost one thousand dollars saved.
Before my realization yesterday that I’d have a $15K hole in my budget, I decided to cut the cable in our house. After we all had a long day on the weekend, the girls and I plunked ourselves on the sofa to watch some TV. Imagine our disappointment when there was nothing on. Disappointed? Yes. [...]
11 May
Enough is enough.
Yep, that’s my white flag. I’m having one of those “I give up” mornings. Despite the little victories and opportunities that I’ve had with my finances, and the ones that lay ahead, I’m really feeling like I’m pushing a rope. Given my degree of fatigue, that rope is getting a bit heavy. Yesterday I had [...]
9 May
New ingredient to the mortgage stew
Despite my thinking I’d assessed all my options, I have a new ingredient for the mortgage stew. When I dropped into my local CIBC branch on Friday to do some day-to-day banking, my friendly branch manager nabbed me to go over her numbers regarding my mortgage. I indulged her, even though I had already run [...]
6 May
Mortgage Math: very INTERESTing…
Since last week, the CIBC and Scotiabank have been waging a polite battle over my home mortgage. Since that initial inquiry from CIBC, I’ve had a few telephone conversations with both banks. Scotia has now elevated my inquiries to the branch manager level too. Oh what fun! As I reported yesterday, my mortgage is really [...]
5 May
The battle for my mortgage is on
There’s a new battle on the horizon: the manager of my local CIBC branch & Scotiabank. What’s up for grabs? The mortgage for our family home. Some of you may recall that most of my banking business is with CIBC. My local branch treats me like a rock star. I have my day-to-day banking there, [...]
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