Posts tagged ‘iphone’

May 4, 2012

April Roundup – Ok, I overspent a little…

by Robyn

As predicted in my March roundup, I wasn’t able to keep my expenses below $1500 for this month. I did however, cross a few things off my shopping list, some of which cost me nothing. I’ll start by breaking down my expenses for the month.

Rent: $547.00
Food & Dining: $314.44
Bills & Utilities:170.90
Auto & Transport: $157.00
Financial: $100.00
Personal Care: $80.64
Taxes: $65.11
Travel: $61.00
Entertainment: $59.00
Gifts & Donations: $44.86
Health & Fitness: $44.75
Shopping: $24.73

At month end, I spent $1669.44, over budget by $169.44.

My food and dining expenses were really high this month. My restaurant expenses ($100.04 this month) were just below what I spent last month ($110.07). Not a big improvement, but by no means a failure. I only bought dinner at work 5 times this month compared to 8 times last month. Groceries were more than double what I spent last month, but I stocked up on quite a few things, like a $50 purchase at the Dutch Meat Market. This should help me keep my food expenses down for May.

I spent significantly less on personal care this past month, but that’s more of a stroke of luck. I had two electrolysis sessions where the machine started to malfunction. As a result, I had those two 30 minute sessions for free.

My entertainment expenses were about double compare to last month, but I got up to a lot more this month as well. I went to the Norman Rockwell Exhibit at the art gallery, as well as went to 3 concerts. It pays to know people in the music “scene” since I got into most of the concerts for free or at a discounted price. I purchased a few cd’s which bumped up my expenses.

One expense I excluded from my expense log was my flight to Vancouver at the end of June. That set me back $536.86 for a RT flight. I was choked about the cost but at the end of the month I got my income tax back and they did a reassessment for a refund of $505.67. Less the $65.11 I thought I’d owed, I only really have to pay $96.30 for my flight. I also purchased my travel insurance for $61.00.

As for the no spend challenge, this month I was successful. I completed the month with 10 no spend days. I think what made this month easier was that I’ve been concentrating on cooking at home more. In doing so, I’ve planned out my meals further in advance so I can stock up more on my grocery shopping days.

When putting this post together, I encountered an issue with my much-loved Lemon app, which I use to categorize my spending in detail. It’s ability to do basic math pretty much stopped working. I don’t know if entries aren’t linking properly or what, but I found that several month end category totals were wrong, and I had totals for categories with no actually transactions associated with them. After a rather frustrating morning, and testing of about half a dozen free apps, I’ve settled on and painstakingly transferred my expenses over to uSpend. I hoping I don’t encounter any major issues with app. I’ve never purchased an app before and if this app has any major flaws I may be forced to do just that. I’m really wary about purchasing apps because most don’t give you the option to test them out first and I don’t want to spend $5 on something I’ll never use.

Have you ever loved an app for a few months only to have it stop working?

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February 29, 2012

Why I love my iPhone

by Robyn

I’ve had a personal cell phone for 9 years, and in that 9 years, only once have I paid for my phone. That was for my last contracted phone. I grudgingly paid the $100 for an LG Rumor because I didn’t like any of the free phones they offered. I’ve been putting off getting a new phone for over a year. My contract expired in February 2011 and I refused to sign another 2 year contract knowing that I might have to buy out of it if I travelled before my contract was up.

After a lot of research and “justification,” I’ve finally given in and purchased an iphone. Knowing that, fingers crossed, I’ll be travelling in just over a year, I opted not to sign into a new contract and paid full price for an 8G White iPhone 4.

So how have I justified spending $630 on a cell phone? Almost $100 more than what I pay in rent? An iPhone is clearly more than just a phone. It can do so much more that what my LG Razor could ever do for me. Here are some of my favourite apps that I use on a daily basis.

MyFitnessPal: I love this app and I use it everyday, multiple times a day. I want to be healthier and this app is helping me do that. I can track what I eat, how many calories I’m consuming, how many calories I’m burning, and whether or not I’m getting my recommended daily vitamins and nutrients. Without this app, I would never have known that I don’t get nearly the amount of daily iron I should be. With the help of this app I’ve been able to adjust my eating habits to lower my calorie intake and I’ve started taking vitamin suppliments so that I get all my daily nutrients.

Spendings: I’ve actively used the MyFinancialTracker feature of RBC since it was first introduced a few years ago, and this app is another excellent way for me to track my spending. It’s simple and easy to use. I track everything I spend my money on from groceries, trips to the salon, drinks with friends, even what I spend on postage. The disadvantage to RBC’s MyFinancialTracker is that it only tracks debit/credit purchases. With this app I can track all of my income/expenses, regardless of the form of payment.

HoursTracker: I work 2 jobs, one of them being a serving job, where technically I get paid down to the minute, so every minute counts. I’ve always kept my weekly timecard but usually just looked at what is deposited into my account and figured “that looks about right.” I’ve only been using this app for a month and noticed on my last paycheck I was shorted almost 10 hours in pay. That’s just shy of $100 that they neglected to pay me. When you work in an industry where you work random hours and split shifts, tracking your hours is a must. This app allows me to track the hours that I work, my breaks, make notes on shifts and it tells me how much money I have earned after every shift. At the end of every week, I email my hours to myself so that I always have a quick reference of my weekly earnings.

P Tracker Lite: This little app is pretty self explainatory. It’s a period tracker. I haven’t been on the pill in a few years, therefor am not as regular as I used to to be. Or at least I don’t have a pill pack to tell me if I’m regular or not. This App allows me to track my period, how long it lasts, when I’m fertile (not that I care – no babies for me), and it’ll predict my next period. Other features include the ability to track symptoms, moods, weight, and best of all, you can set the App up to be password protected.

UrbanSpoon: I can’t help but love this App. It was an amazing tool to have on my recent trip to Ottawa. You can find reviews and pictures for almost any and every restaurant in any given city. It use it constantly to find new places to eat in my own hometown and to find affordable, new places to eat when I’m on vacation.

Rage Comics: This App is a great way for some good laughs and an excellent way to kill some time. The comics that people create from real life are so funny, and there are always new comics.

Some of my other favourite Apps include Twitter, instagram, facebook, DataMan & Shazam. I’m becoming a bit of a phone addict but how can I not? It’s everything, phone, texting, camera, music, social networking, all wrapped into a $630 piece of awesomeness, and when I’m travelling, I’ll just drop my phone plan. Unlike every other phone I’ve ever had, it won’t become a paper weight.