1. Other than milk and bread, I will not spend any money on groceries or eating out. Oh and I have to pick up a strudel for my son's social studies project. (He needs to bring in some food that represents his cultural background. The fact that my German grandfather spoke worse German than I did and prefered store bought cookies to strudel is not really relevant. lol) Really my family and his father's family has been here so long we don't know very much about our cultural background. I could just say, "You're Canadian" and send him in with donuts and back bacon and beer.

2. I will finally submit the information to get the Canadian government to kick in 20% toward my daughter's Registered Education Savings Plan. I have been putting this off for too long.

3. I will send away for the last of the information I need in order to do my taxes. This includes contacting Queens University for my education and tuition deduction for a course I took last summer, and contacting the Ontario College of Teachers to see what I paid in membership fees last year. Then I will complete and send in my income tax return. I am estimating my return to be about $1000 (which I will add to my emergency fund).

4. I will try to see if I can afford to increase my mortgage payment by 20% each month. If it seems a little tight, then I will review it again in 6 months. It may make more sense to put more money into my emergency fund for now. Thankfully, I am able to pay off my credit card debt every month.

I don't know why I've been procrastinating about numbers 2 and 3. Just laziness, I guess.

I can and will do this!!!

This weekend I need to drop off way, way, way overdue (like at least a year) library books and clear up the fees, so that the kids and I will have a cheaper alternative to buying books (it was getting out of control and I'm running out of room).

I have no idea how much we will owe. We have about 5 books to return and I'm afraid that maybe we've lost one and will need to pay for it.

Sigh.

Still in the long run it will be cheaper than buying and we can see the library from my son's bedroom window, so it's a shame not to use it.

Also, tomorrow at 9 am I have to register my kids online for swimming lessons. They love their swimming lessons and it's definitely $100 well spent.

I will STOP putting off going to the library. This will all be taken care of in less than two hours.