1. M OVIN ’ O N O UT ! By Claudia Lam 2012

2. B UDGETS AND B ALANCES

3. M ONTHLY B UDGET Income: Gross Monthly Salary $2960 (before taxes) (Less Taxes $562.40) Net Monthly Salary $2397.60/month Savings $1750 Total Amount $4147.60 *Net Year Salary* $2397.60 x 12 = $28771.20 $28771.20/year Expenses: Rent (including utilities, internet, cable) $600 Damage Deposit$300 Cell Phone w/ Plan$25 Bus Pass $81 Microwave (Mandatory)$18 Groceries $199.34 Toiletries$34.03 Entertainment$39.97 Haircut Budget$3.50 Gifts $19.50 Healthcare (MSP)$60.50 Home Care$38.72 Travelling Savings$350 Total Expenses $1729.59

4. B ALANCE S HEET 1 DateItemCredit (+)Debit (-)Total March 1Savings+$ 1750 March 1Paycheck+$ 1198.80+2948.80 March 1Rent -Utilities -Cable -Internet -$600 Included +2348.80 March 1Damage Deposit-$300+2048.80 March 1Monthly Bus Pass-$81+1967.80 March 1Fido Plan (Cell Included)-$25+1942.80 March 1Microwave (Craigslist)-$18+1924.80 March 1Healthcare (MSP)-$60.50+1864.30

5. B ALANCE S HEET 2 DateItemCredit (+)Debit (-)Total March 1Toiletries-Superstore-$34.03+$1830.27 March 1Homecare-Superstore-$37.72+$1792.55 March 1Groceries-Thrifty Foods-$115.95+$1676.60 March 1Groceries-T&T-$22.82+$1653.78 March 8Birthday Gift-$19.50+$1634.28 March 12Cineplex Movie-$12.50+$1621.78 March 15Paycheck+$1198.80+$2820.58 March 17Groceries-Thrifty Foods-$45.51+$2866.09

6. B ALANCE S HEET 3 DateItemCredit (+)Debit (-)Total March 19Cineplex Movies-12.50+$2853.59 March 23Zone Bowling-14.97+$2838.62 Balance: March 1 (Savings, Paycheck) $2948.80 March 15 (Paycheck) $2820.58 March 31 (Final Total) $2838.62

7. 4 W EEK M EAL P LANS Follows the Canadian Food Guide and includes all required nutrients

8. M EAL P LAN W EEK 1 DayBreakfastLunchDinnerSnack 1 Orange, 2% milk, 2 slices of bread, nutella Grilled cheese sandwich bottled water Vegetable and Beef Stir Fry, white rice, orange juice Yogurt, chocolate chip chewy bar 2 Pancakes, maple syrup, 2% milk, banana Cesar chicken salad, orange juice Spaghetti and Meatballs, seared eggplants Bottled Water, Goldfish crackers, kiwi 3 2 Eggs, turkey bacon, soy milk, kiwi Leftover spaghetti, bottled water, apple Basa fillet, white rice and asparagus Cream cheese bagel, banana 4 Apple, Cream cheese bagel, Soy milk Ham, lettuce, cheese sandwich, bottled water Steamed spinach and steak, orange juice Celery and carrots with salad dressing 5 1 slice of bread, 2% milk, nutella, banana Cucumber, chicken breast, sandwich and orange juice Beef burger with lettuce and mashed potatoes Yogurt. Goldfish crackers, bottled water 6 Cereal, 2% milk, scrambled eggs Cesar salad, yogurt, bottled water Shrimp and halibut spaghetti in tomato sauce Chocolate chip chewy bar, banana, orange 7 Cream cheese bagel, soy milk, turkey bacon Cucumber, ham and chicken sandwich, kiwi White rice with steamed eggs and soy sauce Snap peas, celery and carrots with salad dressing

9. M EAL P LAN W EEK 2 DayBreakfastLunchDinnerSnack 8 Yogurt, slice of bread and nutella, 2% milk Grilled ham and cheese sandwich, orange juice Beef lasagna with broccoli and carrots Cream cheese bagel, bottled water 9 Cereal, 2% milk, kiwi, banana, orange Leftover lasagna, bottled water, apple Steamed wild Pollock and tofu with white rice Snap peas, chewy bar, orange juice 10 Pancakes, maple syrup, soy milk, kiwi Cesar chicken salad, yogurt, bottled water Steak with Yam fries and green beans Goldfish crackers, orange 11 Apple, Yogurt, 2 slices of bread and nutella Nutella sandwich, orange juice, banana Basa fillets, stir fried vegetables and white rice Bottled water, matchstick carrots and salad dressing 12 Scrambled eggs, soy milk, orange Lettuce, ham, cheese sandwich, bottled water Spaghetti and meat sauce with seared eggplants Chewy bar, yogurt, celery and carrots with salad dressing 13 Cream cheese bagel, yogurt, orange juice, kiwi Nutella sandwich, bottled water, kiwi and apple Chicken breasts with potatoes and white rice Cream cheese bagel, goldfish crackers, chewy bar 14 Cereal, 2% milk, slice of bread and nutella, kiwi Grilled cheese sandwich, orange juice, apple Roasted vegetables and lamb shoulder chops Yogurt, snap peas and salad dressing, chewy bar

10. M EAL P LAN W EEK 3 DayBreakfastLunchDinnerSnack 15 Pancakes, syrup, soy milk, yogurt Nutella sandwich, bottled water, kiwi Snapper fillet, white rice, asparagus Banana muffin, goldfish crackers 16 Cereal, 2% milk, kiwi, apple Chicken lettuce sandwich, bottled water Vegetable and Beef stir fry, white rice, soy milk Cream cheese bagel, celery and carrots with salad dressing 17 2 slices bread, nutella, 2% milk Grilled ham and cheese sandwich, apple, bottled water Beef burger with mashed potatoes Carrots and salad dressing, orange juice 18 Banana muffin, orange juice, apple Cesar Salad, orange juice Spaghetti and meat sauce, broccoli Chewy bar, goldfish crackers, yogurt 19 Pancakes, syrup, orange juice, kiwi Leftover spaghetti and meat sauce, bottled water Cesar salad, chicken breast, orange juice Cream cheese bagel, chewy bar 20 Scrambled eggs, turkey bacon, soy milk Grilled cheese sandwich, apple, bottled water White rice with steamed eggs and soy sauce Banana Muffin, goldfish crackers, kiwi 21 Cereal, 2% milk, apple, banana muffin Lettuce, ham, cheese sandwich, yogurt, orange juice Beef Lasagna with carrots and celery Cream cheese bagel, carrots and salad dressing, apple

11. M EAL P LAN W EEK 4 DayBreakfastLunchDinnerSnack 22 Cereal, 2% milk, kiwi Lettuce, ham, cheese sandwich, bottled water Beef burger with green beans Banana muffin, goldfish crackers, soy milk 23 2 slices of bread, nutella, soy milk, kiwi Grilled cheese sandwich, orange juice, apple Wild Pollock and soy sauce with white rice Apple, chewy bar, yogurt 24 Pancakes, syrup, soy milk, apple Cesar chicken salad, kiwi, bottled water Shrimp and halibut spaghetti in tomato sauce Carrots and celery with salad dressing, bottled water 25 Banana muffin, 2 eggs, turkey bacon, 2% milk Nutella sandwich, yogurt, bottled water, apple Cesar salad, snapper fillet, orange juice Chewy bar, cream cheese bagel, kiwi 26 Cereal, 2% milk, slice of bread, nutella, apple Lettuce, ham, cheese sandwich, orange juice, yogurt Vegetable, beef, tofu stir fry and white rice Bottled water, kiwi, goldfish crackers 27 Banana muffin, yogurt, kiwi Cesar salad, bottled water, apple Chicken breasts, potatoes and green beans Carrots with salad dressing, orange juice 28 Pancakes, syrup, orange juice, kiwi Grilled ham and cheese sandwich, bottled water Beef Lasagna with broccoli and carrots Yogurt, cream cheese bagel, celery and salad dressing

12. S HOPPING Groceries, Toiletries and Others

13. T OILETRIES - S UPERSTORE ItemQuantityPrice Colgate Toothpaste1 toothpaste$1.77 Colgate Toothbrush1 toothbrush$1.77 Jergens Soap1 bottle$1.65 Dial Body Wash1 bottle$3.48 Herbal Essence1 bottle$2.48 Deodorant1 stick$2.97 Lubriderm Lotion1 bottle$5.99 Extra/ Others--$10.00 Tax13%$3.92 Total$34.03

14. H OME C ARE - S UPERSTORE ItemQuantityPrice Fabric Softener1 box$5.98 Toilet Paper6 rolls$1.97 Waste Bags1 box$2.99 Dishwashing Soap1 bottle$1.99 Freezer Bags2 boxes$3.00 Toilet Bowl Cleaner1 bottle$2.99 Detergent2 bottles$6.99 Tissues1 box$0.97 Sponge Towel2 rolls$1.37 Napkins1 box$2.49 Tax13%$3.99 Total--$38.72

15. G ROCERIES W EEK 1 + 2 StoreItemQuantityPrice T&T Jasmine Rice 1$9.88 T&T Naval Oranges 4$0.96 T&T Basa Fillets 4 pieces$3.98 T&T Chinese Eggplants 2$1.02 T&T Corn Oil 1$4.49 Thrifty Foods Kiwis 6$1.00 Thrifty Foods Tofu 1 container$1.99 Thrifty Foods 2% Milk 1$3.69 Thrifty Foods Yogurt 1$1.74 Thrifty Foods Bread 2 loafs$2.44 Thrifty Foods Nutella 1$3.99 Thrifty Foods Kraft Cheese 1 package$3.47

16. G ROCERIES W EEK 1 + 2 StoreItemQuantityPrice Thrifty Foods Lettuce 2 bags$2.38 Thrifty Foods Veggie Stir Fry 1$2.09 Thrifty Foods Veggie Medley 1$2.09 Thrifty Foods Chewy Bars 1 box$3.19 Thrifty Foods Catelli Spaghetti 1$2.23 Thrifty Foods Catelli Lasagna 1$2.56 Thrifty Foods Ground Beef 1 container$3.46 Thrifty Foods Beef Stir Fry 1 container$2.84 Thrifty Foods Margarine 1$2.97 Thrifty Foods Pancake Syrup 1$2.39 Thrifty Foods Pancake Mix 1 box$2.78 Thrifty Foods Bananas $0.67

17. G ROCERIES W EEK 1 + 2 StoreItemQuantityPrice Thrifty Foods Orange Juice 2 cartons$1.79 Thrifty Foods Snap Peas 1$0.82 Thrifty Foods Romaine Hearts 2 bags$2.99 Thrifty Foods Goldfish Crackers 2$2.50 Thrifty Foods Large Brown Eggs 1 dozen$2.99 Thrifty Foods Turkey Bacon 1 package$2.69 Thrifty Foods Soy Sauce 1$1.99 Thrifty Foods Soy Milk 2 cartons$2.19 Thrifty Foods Spartan Apples 6$1.21 Thrifty Foods Snapper Filets 2 pieces$2.98 Thrifty Foods Asparagus 1 bundle$1.48 Thrifty Foods Bagels 6$2.99

18. G ROCERIES W EEK 1 + 2 StoreItemQuantityPrice Thrifty Foods Cream Cheese 1$2.68 Thrifty Foods Ham 1$1.59 Thrifty Foods Bottled Water 35$3.97 Thrifty Foods Spinach 1 bundle$1.99 Thrifty Foods Steak 2 pieces$4.46 Thrifty Foods Celery 2 bundles$1.27 Thrifty Foods Salad Dressing 1$1.69 Thrifty Foods Cucumbers 2$1.58 Thrifty Foods Red Potatoes 10$1.60 Thrifty Foods Shrimp 1 box$2.49 Thrifty Foods Chicken Breasts 1 box$2.93 Thrifty Foods Yams 1$0.43

19. G ROCERIES W EEK 1 + 2 StoreItemQuantityPrice Thrifty Foods Green Beans 1 bag$1.69 Thrifty Foods Petite Carrots 1 bag$1.99 Thrifty Foods Lamb Shoulder 1 piece$2.13 Thrifty Foods Salt and Pepper 1$1.99 Thrifty Foods Tomato Sauce 1$2.27 Thrifty Foods Mayonnaise 1$2.99 Thrifty Foods Cereal 1$2.48 Tax -- 13%$17.69 Total -- $153.83

20. G ROCERIES W EEK 3 + 4 StoreItemQuantityPrice Thrifty Foods Muffin Mix 1$3.99 Thrifty Foods Kiwis 12$2.00 Thrifty Foods Petite Carrots 1 bag$1.99 Thrifty Foods Orange Juice 2 cartons$1.79 Thrifty Foods Soy Milk 1 cartons$1.09 Thrifty Foods 2% Milk 1 carton$1.49 Thrifty Foods Spartan Apples 11$2.21 Thrifty Foods Ground Beef 1 container$3.46 Thrifty Foods Chicken Breasts 1 box$2.93

21. G ROCERIES W EEK 3 + 4 StoreItemQuantityPrice Thrifty Foods Celery 2 bundles$1.27 Thrifty Foods Broccoli 1 bag$1.37 Thrifty Foods Chewy Bars 1 box$3.19 Thrifty Foods Romaine Hearts 2 bags$2.99 Thrifty Foods Steak 2 pieces$4.86 Thrifty Foods Snapper Fillet 1 pieces$1.49 Tax -- 13%$4.70 Total -- $45.51

22. E XPLANATIONS

23. P ETS I did not choose to own a pet. This is because the landlord does not allow pets in the suite and it is much more expensive to take care of a pet. You have to pay for it’s food, toys, visits to the vet and many more.

24. L AUNDRY I share my laundry and dryer with my landlord, therefore there is no need to purchase one myself. Although I don’t use bleach, I have purchased detergent and fabric softener for my clothes.

25. T RANSPORTATION Instead of a car, a bought a monthly bus pass. It is a lot more affordable since I don’t have to pay for insurance, gasoline, parking and repairs. The suite I rented is close to transit with a short walk, so it is very portable.

26. C ABLE, P HONE + W I -F I Cable and Internet is already provided at the basement suite I am renting. Therefore, I only had to buy a plan from Fido and the cell phone is included. This makes it easier to communicate with my friends, family and business.

27. U TILITIES All the utilities are included in the rent, so I didn’t have to pay for any electric, hydro, or natural gas bills.

28. D AMAGE D EPOSIT Since my rent was only $600 per month, I only had to pay $300 extra as damage deposit. In total, I paid $900 for rent in the first month. $600 / 2 = $300$600 + $300 = $900

29. B UDGETS I had to budget for a couple of things: Entertainment, Hair Cuts, Vacations and Gifts. Entertainment is usually about $40.00/month. I usually get 2 hair cuts per year. I save $3.50 for hair cuts every month. $21x2=$42/12=$3.50 Vacation Savings are $350/month. I usually save $20/month for gifts, but when it nears holidays (Christmas) I save $30.

30. G ROCERIES I bought most of my groceries at Thrifty Foods because it is very cheap compared to other markets and food stores. Also, they constantly have coupon sales and it is quite easy to reach from my suite by bus. I bought toiletries and household items at Superstore because it was also very inexpensive and they have lots of flyer sales. I only bought some groceries at T&T because the groceries are usually quite expensive. The only reason I bought food there was because they are relatively cheap when they are on a flyer sale.

31. B ASEMENT S UITE I rented this certain basement suite because it was relatively cheap and included all utilities, cable, internet and was just recently updated. It is close by to public transit and even has parking available. It also looks very clean and has a full bathroom, kitchen and bedroom included. Link: http://vancou ver.en.craigsl ist.ca/rds/apa /2890060052. html http://vancou ver.en.craigsl ist.ca/rds/apa /2890060052. html

32. A PPLIANCE My mandatory appliance was a microwave. Instead of buying an expensive new one, I decided to get a relatively new one from craigslist because the quality is not too bad for a lot better price. Link: http://vanc ouver.en.cr aigslist.ca/ van/app/28 88896524. html http://vanc ouver.en.cr aigslist.ca/ van/app/28 88896524. html

33. T HANK Y OU F OR R EADING MY P ROJECT ! Movin’ On Out! By Claudia Lam