Tag Archives: TTC

The Art of Making Money

17 Apr

Here’s what I’m struggling with, and I’m sure just about everyone else is too:

$ Making money $

The problems with having a part-time minimum wage job are pretty much endless. But here’s my experience with it:

In earlier years, as I’ve mentioned, I would consider myself a workaholic. And I don’t use that word loosely. I worked as much and as often as I possibly could. Constantly running the risk of either going into overtime (a slight “no-no” at my job) or fainting from pure exhaustion. Most days I would just find myself in a delirious state of multitasking confusion. In these days I had no problem making tons of money. 

Where the problem came in was how I was spending it. Food, clothes, more food. It was a vicious cycle. And food venues in the area that I work are either ridiculously expensive, or junk.

It became so bad that I wasn’t really making any money. Barely. I had saved up a good chunk until then, but it never seemed to go anywhere.

These days, now that I couldn’t be called a workaholic in the lightest of terms, making money has become more difficult. I’ve cut back tons on food and clothes, thankfully. But with all this travel on my mind, I need to save, and I need to save a lot. And I have a few ideas. Whether they will work or fail is for me to find out.

Food can be cheap. If you are willing to make some sacrifice.

Right now a lot of what I eat comes from home. And lucky as I am I still live with my mom. She takes out about $100.00 from my bank account each month to help with food purchases. But I know there are a lot of people out there who live on their own and are required to purchase their own food. Here’s what I did to lessen the cost for myself on food everyday:

1. Stop eating out. 

Now that’s not to say I’m never eating out these days, because I am. I do it a lot less though. Especially at work. I bought a tub of spinach and I make myself a salad if I’m hungry at work. If you find salad boring you’re kinda screwed on this one. But I have found one mix of ingredients that I tend to find delicious every day. So if you’re interested I put in Spinach, onion, celery, and grated cheese, and for a topping instead of going the unhealthy route and buying salad dressings, I bought a bottle of extra virgin olive oil. I find that more tasty than any other dressing I’ve ever had. Really. And it’s healthy!

2. Checkout 51, SnapSaves etc…

So this second one is a bit of a new concept for me and for other people as well but they’re fairly new ideas and I think they can help if you use them right, and use restraint. You also need to have a smart phone for this type of stuff.

I found a few apps that give you money back on grocery purchases. I don’t know how many are really out there but the two I use are called Checkout 51 and SnapSaves. Each does the same thing. They offer money back on specific products and all you have do do is upload your receipt from your purchase and they process it to see if you qualify to get the money back. 

The problem I’ve run into is how to save money with this because essentially I am spending $5.00 to save $0.50 which in the end isn’t saving me money, but costing me. So this is where the restraint comes in. I only use these apps when there is something I need. If my boyfriend and I go grocery shopping, I will check after, and ONLY after, we shop to see if we bought any of the qualifying products. 

It works pretty well for me. So far with both apps I’ve saved $13.50 and I’ve only been using them for a month or so. It seems like only a little. But 1. It’s more than zero and 2. I mentioned I don’t do all the shopping in my household. So I don’t use a lot of the deals they have. 

So, those are some ways to save money on food, I have a few other plans to save or make money:

3. Sell 

I have items in my house that I no longer use and are in fairly good condition, and my hope is I can make some money off of them. Mostly electronics that I bought and either rarely or never used. They’ve been sitting on the shelf collecting dust, when I could sell them and be collecting money. Things like Kijiji are out there for me in Toronto to set meet-ups with people who are interested in products I might be seeling. There are people out there looking for anything, really. I could sell things like clothes, jewelry, nail polish, my unused Kobo, my unused Nintendo DSi. Hopefully I can make a substantial amount doing this, but it’s hard to tell. Just gotta try.

4. Make

With this one it helps if you’re a bit artistic. Which luckily I am. But only a bit. Hopefully if I practise I can get better and sell stuff that I make on sites like Etsy, or even just to my friends, and maybe my friends’ friends.So far anything that I’ve made I’ve loved so much I couldn’t imagine parting with. But I feel like I have it in me. Today I just figured out how to do a round braid (I’ve been attempting to figure this thing out forever!). So I could get into the bracelet making business. Or something.

Image

5. Transportation

Recently I have realised I’m wasting a lot of money on transportation. I take the subway to and from work five days a week. And I take a Go bus to my boyfriends house when it isn’t ideal for him to drive me. In all I would be spending about $170.00 a month. Now that I work less the metropass that I usually buy every month is not being put to full use. So I started buying tokens instead. I spend about $30.00 less on the TTC. But $100.00 is still a lot. So I bought a bike. I’m pretty excited to ride it. I can’t wait. But I still need a helmet. I’m not going to head out and be unsafe on this thing. No matter how silly I look. getting a fine for not having lights on my bike or not having a helmet would just ruin the whole purpose of buying the bike to save money. My hope is that when it’s warmer (which I wish would show up faster!!) that I will ride to and from work. And wherever else life may take me.

I’m still thinking about other ways to save money and I hope to post more about it at some point. But for now I hope this post has enlightened you in some way about little easy ways to save money. Or atleast shed a light on how I am trying to do it. We’ll see if it actually works.

LM

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November 15th, 2012

16 Nov

PHOTO #72: I Made A Sweater

Unfortunately due to how late I had to stay at work I was unable to get this post out on the right day :(. Thus breaking my streak. Oh well. I probably won’t be able to make it again until monday-ish anyway, as I’m closing all weekend.

I am having a hard time typing right now because my hands are frozen. You know when that happens? You feel like your motor skills are slow and your hands don’t work properly? That’s happening to me right now. I was standing outside waiting for a streetcar for about a half an hour in the cold. Yea, night time TTC not so good.

Anyways, this is the sweater I made for the day! I was bored after midnight but didn’t feel like going to bed, so I made it. It’s not the best angle to see the whole thing, but you can see the most important parts. I did it two-toned, so the back panel is this sheer stretchy fabric with a tie-dyed pattern on it. The front is just a grey stretchy fabric. It was quick and easy because I wasn’t bothering myself to be perfect on it. I barely used a pattern either. It’s funny because my sister asked me to make her one, but I won’t be able to make it look exactly the same because I just sort of guessed on where to cut it, and winged it the whole way through. But, I could always do that again. It makes it more of a one-of-a-kind. Either way, it turned out way better than I was expecting, so that makes me happy.

 

November 10th, 2012

11 Nov

PHOTO #67: My Hair

I realized that I don’t really have a good shot of how my hair turned out after the second dye. And even though it’s been a couple of weeks, it still looks pretty blue. Plus I had nothing else to take a picture of today. So, me it is. Not even my cat was doing anything interesting.

Today was a repeat of the last two days. Horrible, busy, stupid guests, stupid employees, me staying hours later than I am scheduled, and being all around exhausted. One more shift and I’ll have a day off. Yay. Mostly I’m hearing good things about Skyfall, so I definitely have to see it soon. Before someone ruins it for me.

Which reminds me: I wore a pretty sparkly dress today! We posed for pictures and did funny Bond poses and had fun. Surprisingly it was more comfortable than I was expecting so I left it on all night. I was pretty worried about ruining it with butter or some sort of spill, that tends to happen to me, every night.

Getting home has been rough these past few days too. I never make it for the subway, and the TTC after 2am is horrible, and unreliable. If this becomes a regular thing for me, getting off after 2am, I might go crazy, and start spending most of my nights waiting for buses. Damn you Toronto Transit.