Looking for the Girl I Was Six Months Ago

Wednesday’s post was one of the scariest I’ve ever published. I didn’t finish it until 1am EST. Then I dreamt about it and woke up at 6:50am to change a few words before it went live at 7am. What I was so afraid of, I’m not exactly sure. Judgment? Maybe. Questions? Sure. But, based on a number of comments, I know I didn’t say everything I wanted to say.

Nothing about that post was meant to seem like I was being hard on myself. I don’t feel angry or upset with myself in anyway. The idea of living a sober life is something that’s been in the back of my mind for a couple of years now and, based on a number of events that occurred this past summer, I know that it’s something that needs to become my reality.

While I was writing Wednesday’s post, I kept going back to posts I had written when I was fundraising for the Bold Academy. My writing was so inspired then; full of passion, dreams, and goals. I knew what I wanted, for both myself and girls and women everywhere. And all it took was one person, a few bad nights, and way too many drinks to make me lose my focus.

My last post was meant to show the domino effect of how one bad habit can turn into a number of bad habits. Nothing more and nothing less. But I can tell you that, by finally being honest with myself, I already feel like I’m beginning to reverse the domino effect. I know it’s not as easy as that… but it’s a start. And I’m ready to be reunited with the girl I was six months ago.

Have a great weekend, xo

I’m Done Making Excuses (Again)

I’m doing it again.

I’m hitting snooze 4x before getting out of bed. I’m ignoring the running shoes sitting beside my dresser. I’m getting up so late I don’t have time for breakfast. And I’m procrastinating my evenings away in front of my laptop and the television.

I’m tired. Scratch that, I’m exhausted. I’m still getting used to my new time zone. I wasn’t hungry. I can’t miss this show. I need to relax. And it’ll all happen eventually.

Please slap me if I say any of those things to you. I’m just making excuses.

Do you remember this post? I do. I wrote it almost 2 months ago and I’m sad to tell you it was full of lies. I wasn’t back and better than ever. I was stuck. I wanted to be better… but I wasn’t better. And I’m still not.

To be honest, I don’t think I’ve been the same since I finished school in July. After a year of barely sleeping, in-between working full-time, going to school basically full-time, interning at LearnVest and writing here, I crashed. Hard.

Then I picked up an old habit I had missed dearly during my crazy schedule: socializing. More specifically, partying. If you remember, I barely drank at all during my first year of writing this blog. In fact, I made excuses to stay in, just so I could save money.

That all changed, in July. Wine nights went from a monthly event to an almost every other day event. With them came food (mostly take-out) and cab rides home. And soon, the extra money I used to put on my credit card debt was being flushed down the toilet.

It didn’t take long for one old pattern to turn into other old patterns. I stopped working out as often. I stopped budgeting. Fortunately, I didn’t rack up any credit card debt, but I did spend too much money – money that could’ve done a whole lot more than fund a few nights I can barely remember.

I have a feeling this topic could turn into a series of posts but, for now, I will just say this: it’s shocking to look back and see how one excuse can turn into one hundred. In my gut, I knew I was making excuse after excuse… but I needed a friend to tell me I was, before I could admit it. (Thank you, friend.)

All I know right now is: I am a better person, when I don’t drink. I may not be as confident or as fun at parties, but I am a better person in every other moment of the day. And there is no more proof of that than looking back at everything I accomplished in my final year of school.

There is a reason I was able to accomplish so much in one year: I was driven. Not only was I determined to finish my degree, I was motivated by the fact that my spare time was spent writing meaningful content. Getting out of debt was my personal goal but showing people how I did it was my passion.

I want to find my passion again.

It’s time for me to take some of my own advice: If you aren’t willing to admit what you really want, it probably won’t ever happen. But even more so than saying it aloud, you have to take whatever action is needed to accomplish your goal. “Nobody said life would be easy, they just said it would be worth it.”

Goals for the next 5 days: get ahead at work, join the GoodLife Fitness down the street, and start writing content for the second site I’ve been daydreaming about for months. Screw waiting until I’ve caught up on sleep, made a plan, or feel ready. No one is ever ready and there is never a right time.

I just need to start where I am, use what I have, and do what I can. And if that includes getting used to the idea that I may be better off without alcohol in my life, so be it.

Weekly Spending: October 1-7, 2012

Monday
No spend day!

Tuesday
No spend day!

Wednesday
-$4.50 Sobeys (forgot my lunch)
-$26 Shoeless Joe’s
-$25 Blue Jays game
-$10 beer at the game

Thursday
No spend day!

Friday
-$5.18 Sobeys

Saturday
+$320
+$712.80
-$320 credit card
-$500 savings
-$2 coffee at ING DIRECT Cafe
-$19.68 Chapters
-$98.24 Old Navy
-$5.60 Bath & Body Works
-$12.45 lunch

Sunday
-$35.55 groceries

Total In: +$1,032.80
Total Out: -$1,064.20

This week looks intense but, in reality, I got back most of the money I put out for my move and put it where it belonged: on my credit card and into my savings account. If you take that out of the equation, my weekly spending was actually $244.20, which included a night out for the last Jays’ game of the season and a full afternoon of shopping with Melissa!

BTW, have I mentioned how incredible it is that this blog has made it so I actually have friends in Toronto? It’s so great to finally meet you all!

The Unusual Thing I’m Most Thankful For

Last year, I wrote a post with this same title. (You knew you were having a déjà vu moment, right?) It’s funny looking back on it now, and seeing how few readers and commenters I had, when that was one of the most honest posts I’ve ever written. But the truth had to be shared and this holiday weekend is no different.

This Thanksgiving, despite the fact that my bedroom won’t be warm with the smell of baked yams, I have found an equally unusual thing to be thankful for: homesickness.

I can admit that I’ve been feeling slightly homesick at the thought of not having anyone to spend this holiday with. But, in return, I am able to see how incredibly lucky I am to have people to miss at all. And that, despite physically being alone this weekend, I know my phone will still be flooded with text messages and my MacBook will be lit up for multiple Skype dates.

In that regard, I suppose I am also thankful that the Internet can turn 4,400 km of distance into just 2 ft. – the distance between my face and iPhone/MacBook. Without the modern technology that we constantly take for granted, I wouldn’t be able to see my family’s smiles or my dog’s sweet faces.

I may not be able to smell what they are cooking for dinner, eat a Flanders-sized portion of Grandma’s cherry cheesecake for dessert, or watch Dad spill something on his shirt… but I am grateful to have a family who supported me in my decision to move, no matter how much distance it put between us.

Happy Thanksgiving, friends.

October 2012 Budget & Goals

How is it already October!? Seriously.

Well, another month means another budget and a new set of goals. This budget is obviously somewhat of a test, as I don’t know what my exact expenses will look like in Toronto. I think I’ll be able to stay close to most of this, based on my first two weeks here, but I wouldn’t be surprised if I went over in a few areas.

First, you might notice that my personal care budget is much higher than usual; that’s because I need to go shopping for a new pair of boots, this month. My restaurant budget is also on the higher end, because I want to be able to try some restaurants in the city. Finally, I have a small budget for my quick trip home to Victoria in a few weeks (the flight is already covered).

One expense I haven’t budgeted for yet is a gym membership. I’m very slowly catching up to my new time zone, so I haven’t been able to force myself out of bed for any early morning #pfworkouts yet. Until I get back into that (maybe next weekend?), I don’t want to waste money on a membership I’m only using once or twice a week. (BTW, does anyone know if Goodlife offers month-to-month memberships?)

Goals for this month:

  • Track my spending and start posting weekly spending reports again
  • Look for a book club I can join
  • Join a gym (probably Goodlife)
  • Start counting calories on Lose It! again
  • Workout at least 3x per week

What do you have planned for this month? :)

From Coast Capital to ING DIRECT: Where My Bank Loyalty Lies

In 2006, my boyfriend at the time convinced me to move all of my bank accounts from CIBC to Coast Capital Savings Credit Union. His first selling point was that it would be easier for us to transfer money to each other and then I was (obviously) sold on the idea of no longer having to pay any banking fees. But it didn’t take long for me to see that Coast Capital offered more than free banking.

After a few months of banking with them, I experienced something that never happened in all the years I entered CIBC’s doors: I was greeted by my first name. From that day on, “Hi Caitlin!” was the warm greeting I received every time Starr saw me walk into the James Bay branch in Victoria. She would then ask me how I was doing and whether I was there to see Matt or Erin. Starr knew me and she knew who I dealt with.

Because of this, and all of the great experiences I have had with Matt, Erin, and various tellers, I’ve been heartbroken at the thought of not being able to bank with them in Toronto. Just days before leaving, I went into the James Bay branch and told Starr I was moving. I also told her she’d be missed. “No bank in Toronto is going to greet you by name, Caitlin!” No, they probably aren’t.

And so began my search for a new bank.

With years of free banking under my belt, I was having a hard time stomaching the idea of paying anyone, so I looked for a chequing account with benefits that could potentially outweigh the cost. Scotiabank’s Moneyback Account seemed like it could possibly break even. The Unlimited Chequing Account with CIBC came with a ton of Aeroplan Miles. And RBC and Shoppers Drug Mart had a nice offer too.

But I couldn’t get past the concept of having to pay for something that didn’t need to be paid for. So, I looked at ING DIRECT. I already have a THRiVE Chequing account with ING, as well as a couple of savings accounts, so you would think the answer to my banking dilemma would have been simple. My one hesitation was the fact that there are no actual banking institutions you can visit.

Stepping into the ING DIRECT Café on Yonge Street, earlier this week, took away most of my concerns. The staff were friendly and answered all of my questions, in an environment that made me feel both smart and at ease (unlike most traditional banks). I still have concerns (is it possible to get a bank draft from ING!?) but, overall, I know I will be happy doing my daily banking with them.

It also doesn’t hurt that ING DIRECT does an incredible job of reaching out to people through social media. I’ve had numerous interactions with ING on Twitter but, just days before my move, I was surprised to see this congratulatory tweet with a link to my post. It may not have been in Starr’s voice, but I think I’ve found another bank who will greet my “by name”.

How did you choose who to bank with? What keeps you with them?

How I Moved Across the Country in 3 Weeks

There are so many things I want to write here… you can expect a lot of posts over the next few weeks, to make up for my lack of posts all month! But I know I should start by answering some of the FAQ’s people asked before I left.

What are you taking with you?

My fall/winter wardrobe, a few books, and my laptop. And yes, that’s all.

What are you doing with all of your stuff?

First, I downsized. Because I didn’t have a lot of time, I made some executive decisions. If I wouldn’t move it across the country one day, it wasn’t going in a box. I sold shelves, a dresser, and two nightstands, and gave books, candles, etc. to friends. And then I moved everything I had left (bed, couches, TV, boxes) to my parents’ house.

What about your car?

I put storage insurance on my car and am also storing it at my parents’ house. (Thanks, Mom and Dad! xo)

Are you going to bring/sell your car one day?

I have no idea. I love my little Bandit, and would be sad to sell him, but I also know you don’t really need a car in Toronto. And until I get my own place, know what my routine looks like, etc. I can’t make a decision on what to do with it. I’ll probably try to decide in the spring.

Do you have a place to live?

Yes. And, to be honest, this move wouldn’t have been possible without my friend having a fully furnished spare room (and her willingness to let me stay in it).

Are you going to get a place of your own?

Yes. Once I know what my monthly budget will look like, and check out some neighbourhoods, I’ll get a place of my own. If I’ve learned anything in all of this, it’s that I don’t need a lot of space to live in and be happy. So I’ll probably start looking for a bachelor or small one-bedroom apartment, in a few months.

When will you be back to visit?

Next month! I am flying home on Saturday, October 20th to attend my convocation on Tuesday, October 23rd. And then I’ll be back again for a week at Christmas.

This post really only answered the logistics of my move. There is so much more to it, including the financial stuff, so I’ll get to that later this week. For now, just know that I’m unpacked, settled in, and am probably on my way to my first day of work as you read this!

Any more questions? :)