Canadian Saver, you brought up a good point!

I neglected to say that when/if I remortgage, I will be cancelling my LOC and dropping my Visa limit to 2,000.00, down from 10,000.00. That way, there is NO temptation for me to spend! I need to take 2 hours and really crunch numbers to see what's the best plan of action. Plus if I decided to do it, my bank is having 2.99% on a 4 year until the end of the month!

My dad will be transfered to the hospital at home today or tomorrow. He still is confused by times and has weakness on his left side. He needs physiotherapy to strenghten his left side. My mother is very happy, as she's been in a hotel for 14 days... The dog will be staying with her this week. I was going to bring him with me, but she asked to have him. I think she doesn't want to stay alone in the house.

Sunday morning...

Fingers crossed that my dad will be transferred to the hospital at home this week. He's still experiencing confusion but he is physically getting stronger. I think my mom is exhausted however, and is looking forward to having them both home.

I worked at my pt job last night. I had lots of laughs, and came home with 90.00 in my pocket. That's my gas/grocery money for the week!

I bought some groceries yesterday and Friday, along with washing my car, and of course the bulk barn! I spent around 120.00, which included purple tulips for my self and a gift for my sister ( my nephew picked out for his mom a dozen multiple coloured roses, after smelling about 15 different bunches).

Today, it's supposed to be up to 15 degrees, so I'm planning a nice trek in the woods, complete with a thermos of coffee and a snack! I'm going to finish all my house work this morning and enjoy the day!

Breaking my mortgage early...

My mortgage is up for renewal in 2 years. However, I'm currently being wooed by my bank to make the switch over to them. I'm seriously thinking about it.

My penalty for breaking my mortgage? 1300.00. Plus the bank will cover 500.00 towards legal fees, and some other fees amounting to close to another 700.00. Then, we had the critical illness policy added in, plus the death one. ( I currently had death but no critical illness).

My interest rate is 4.10 and I owe 80,000.00 roughly. My new mortgage would be 106,000.00, and I would have 2 major debts paid off ( "saving" 2400/year in interest and another 3600 in repayment/ year). Plus if I go with my bank, I won't be paying bank fees any more ( 10.95 added to the mix or a savings of another 131.40/year).

My payments will increase to around 360/ biweekly, up from 260. I have two options a 4 year mortgage at 3.39 or a 7 year at 3.89 both rates are good until mid June.

My income will be dropping mid june from 1600/biweekly to 1250/biweekly, however I will no longer be paying rent-150/biweekly or the 400 km round trip communte each week, another savings of 150/biweekly gas, plus the addition oil changes( every 6-7 weeks 45.00 which works out to be 8.5/year 342.50 a year) to one every 4 months or so 180/year, plus saving on the wear and tear on my vehicle. I could also take in a boarder for the school year, which could add another 300/month to my income.

Any thoughts, ideas, etc?

This week-end:

I have a hair appointment tomorrow afternoon, then I'm having my sister and nehpew over for supper tomorrow night. I'm thinking of chicken, stuffing, potatoes and veggies. I'm going to buy a bottle of wine too!

Saturday, I'm going to clean parts of the basement, do the laundry ( and pack my bag), walk the dog and go to work at my pt job.

Sunday, I'm planning on taking a road trip to have an adventure with my sister, nephew and the dog. I'm going to cook again, and even bake a cake!

There's no sign of my Dad coming home this week. It's hard on my mom, as she's there by herself, but at least she can hangout with him for 4 hours at a time, and not 5 minutes/per hour.

Add in some time for crunching numbers, and perhaps coming up with a blogging schedule? Plus, the count down for working from home is coming fast ( 5 weeks and counting). I'll have 8 weeks, then back to my old job, and a reduction in pay ( but my expenses will be down, so it balances out).

Today was interesting...

Let's just say that some people are whiners... enough said about that... My sisters made me feel better today over a workplace issue. I love them both for it!

Tomorrow is pay day, money towards, debt repayment, mortgage and bills. There maybe some leftover for a pair of sneakers too!

Question for my American friends

My dad had open heart surgery last week, and my mother over heard one gentleman say to a nurse" I'm glad I'm Canadian", as if this surgery was done in the USA, I'd of lost everything. SO here is my qeustion, around how much would it have cost my Dad in the US?

Open heart surgery ( 6 hours in the OR), 4 days in ICU( including chest tubes, xrays, CAT scan, 4 pints of blood, insulin, IV antiboitics and a nurse with him 24/7), plus another 4 days in a different unit, with a nuring ratio of 1 nurse- 2 patients, plus a sitter...

I'm guessing at least 100,000.00. Am I far off the mark? Let me know!

Sunday night chit chat

http://halfdozendaily.typepad.com/my-half-dozen-daily/2012/03/sunday-night-chit-chat.html

Quote: whatever will be, will be...

Reading? Save Me - by Lisa Scottoline

Watching? Face Off ( a reality show about make-up artists)

Listening? The Hunger Games by Suzanne Collins

Cooking/Baking? Nothing - I went out for supper...

Happy that I accomplished this week? Um, keeping up with the laundry? My nephews were here for part of the week, so I made sure they went home with clean clothes.

Looking forward to next week? Walking every night for 1/2 an hour. That's my goal.

Thankful this week? I'm thankful that my Dad is on the mend. He's still a little confused ( He was talking to my mother about Queensland, how beautiful it is there, and missing someone from there, but Dad's never left North America...) I'm also very thankful to all my friends and family for all they did for us this week.