Zero Money to Hero Money

Well first of all, I haven’t updated in a month, I’m just shy of 5 weeks until I close on my condo, and I’ve been slacking hard with the budget.  I’ve made about $2,000 in the past month of extra income, and honestly, I think I spent every last penny of it.  I guess my life has been changing somewhat, I broke up with my girlfriend, my work is now a 5 minute bike ride instead of a 35 minute car ride, and I’ve been going out a lot more now that I’m single again.

Some great things have been happening lately though, the amount of gas I buy for my car is incredible, so far this month I’ve used less than I did in 5 days of last month.  Biking to work is amazing, my previous gym is also within walking distance from work, and once I move into my condo, I can walk to work in 10 minutes.  I’m wondering if my car insurance will go down.

I spent the past couple of weeks with 2 mortgage brokers fighting each other for the better deal.  My previous offer was prime minus 0.6%, I thought I could definitely get better.  All said and done, my mortgage is Prime - 0.76% which as of right now is 3.99%, not too shabby for a 5 year variable, here’s hoping rates don’t increase drastically.

I’ll try to update this again before I move into my new place.. my money is all in order for my downpayment etc, so I’m sure once I move in, I’ll have a lot more to write about.