<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Category: Random
 

Viewing the 'Random' Category

Spending, Holiday Plans & No More Physio!

December 13th, 2018 at 01:30 pm

I tried replying to Amber's comment last week but my internet was playing up so much the comments wouldn't post. Anyway, we have no problem with managing our bills, it's more when we were overspending we were dipping into the bills money. Now that we've put the spending money and the bills money into separate bank accounts it's been much easier and we've had less problems.

The next thing to try and manage is our weekly spending money. While we've been having heaps of fun by going out lots, we keep on overspending and as a result spend less on groceries (because there's not that much left) and/or add to the credit cards.

Example: this weekend just gone we added $56.34 to my credit card for some of the groceries (after I repaid $68 on this card so I really wasn't thrilled). Then we were left with $70 cash for the rest of the groceries. So far $20 of that has been spent and we are left with $50. It should be ok. I've certainly had to be creative with what I buy for us, which has been fun! The downside of it though is that we end up lacking in the non-essentials for a while, so we are constantly missing stuff. Each week I try to be more aware though, and hopefully we can do better next weekend.

On the upside though we got dressed up for B's work do, went out for breakfast once and dinner twice and got takeaway once. It's fun, but that's where our money is going!

So I'm planning this weekend to be a bit more mindful of what is being spent, hopefully that will make a big difference.

****

In other big news we booked the travel for our next holiday. We are traveling by boat to Tasmania with another couple who are very good friends and taking the motorbikes and will do a 7 day ride around Tasmania. We are so excited, it will be great.
The boat fares up and back are $1000 so the plan is to buy Christmas presents with December's pay and to give the money for the fares from January's pay.

****

Another exciting development is I had my last physio session during the week!! No more paying $105 per visit, no more tiny lunch breaks on those appointment days and I slowly get to wean myself off the early morning rehab exercises. As of this week I do four mornings with a day off during the middle of the week. (On this day instead I attend to little financial things that need doing eg paying bills, updating spreadsheets etc - I've really missed having this time because it's so hard to do after work).
I was ecstatic and absolutely over the moon on Tuesday when I got told no more appointments are needed!!

****

That is all for now, hoping you all have a lovely weekend!!

Holiday At Start Of November

November 20th, 2018 at 10:47 pm

Wow it's been a while since I've blogged! I don't completely remember what happened in September but we celebrated our 8 year wedding anniversary last month by going out on a motorbike ride to a nice lunch and then visiting wineries, which was definitely a treat!

At the start of this month we went on a short holiday to Perth, which is two states away, to visit one of DH's old friends who only just moved back to Australia, to spend time with him and meet his family. We had a great time socialising, eating out, visiting wineries in their Swan Valley region and sightseeing in Perth and along their coastal region. It was great to see his friend and his family were lovely, his partner was great to get along with and 2yo son was super cute.

Flights were $1000 for the two of us and we spent $1460 for the period 6-11 Nov (5 days) - as well as eating out and drinks, we hired a car which was $467 in total. We saved $1000 spending money last month and the flights are all repaid, everything is now repaid in full. It was a great trip.

That was the first week of November done pretty well Smile. Perth is three hours ahead of us and amazingly we had worse jet lag than coming back from Thailand, which is an eight hour flight away! Thailand is four hours behind us so maybe that has something to do with it.. all I know is I wasn't getting sleepy until 1.30am because that was 10.30pm Perth time! It took until the middle of last week until we were back to normal. Well worth it though Smile.

Home Hair Dye Experiment (successful)

August 27th, 2018 at 04:05 am

I'm not even sure what happened last time I wrote but here's a small financial thing I did a couple of weeks ago - dyed my hair successfully for the first time!

My hairdresser is great and much cheaper than hairdressing salons at $110 for a half head of foils. I always said that if I stopped going to her I'd dye it myself because generally what I get done is nothing magnificent really, just touching up my regrowth and a haircut.

So our security doors were getting installed at the same time as the hair appointment so I tried rescheduling however she didn't have anything for the next month so I got to try out my experiment! I watched some videos on YouTube and then went to a hair supplies shop and they worked out what I would need, the best colours and gave me instructions plus directions on how much of each.

All up it cost $106 however with their ratios I still had half a bowl of dye left over so I actually have enough hair dye left in the tubes for another two dyes! So instead of $110 for foils and haircut it was technically $33 for a tint (per use). I will go back to her in October however as the December appointment is at 6am I am thinking of cancelling that then and doing the tint then too.

Week 28: Back to Work, Big Spending Items

July 26th, 2018 at 12:59 am

Week 28 saw me back at work except for Thursday morning when I had the appointment with the cardiologist. He didn't think my heart problem was too major and thought that my friend's suggestion that it could be linked to thyroid issues (in my case the adrenal glands) was valid so ordered a thyroid test as well as getting me to wear a heart monitor for 24hrs next month. There was no charge for that appointment as it was bulk billed.

The collarbone got better as the week went on and not much was needed in the way of painkillers by the end.

Tuesday was our 19 year anniversary so went out for dinner to celebrate, which was nice. We also went out to lunch on Saturday and to dinner on Sunday night with friends who were visiting.

On Saturday we had two really big spending items (as well as my operation lol) in the way of the security doors I wanted ($1500) and the exhaust B wanted for his Harley ($600). The security doors were a quote which was about to expire and the exhaust was only one of 7 held in Australia (after that they would have to be ordered from overseas which takes a couple of months for this shop); so both were things that we wanted to order asap. Note also that these amounts are 50% deposits with the balance due in about 3 weeks for the doors, the end of the week for the Harley. With these purchases we can expect to live pretty quietly in the next few weeks as they are taking up the bulk of our money until payday in the middle of next month. We both believe they're worth it though.

Ps I see Shiela posting her blog as Week 29, I'm probably a week out? I'm not too bothered though because I'm trying to report what happens weekly and stay accountable, to me that's the most important thing.

Week 27: Surgery Successful, Other Health Problems Now

July 19th, 2018 at 03:13 pm

Well I got through my first ever operation ok. I was so nervous but the hospital was really great and looked after me so well. I would highly recommend private hospitals from this experience. It didn't come off completely without a hitch though.

When I met with the anaesthetist right before the surgery he got the stethoscope out, listened and told me my heart is beating too fast, and hooked me up to a heart monitor. This told us it was beating at a rate of 8-10 extra beats per minute. He said we can still go ahead with the surgery but we will look into it afterwards.

After the surgery I was told that my heart kept on beating at the 8-10 extra beats through the entire surgery and that they would monitor how it is overnight, so I got moved to a high dependency ward and hooked up to a heart monitor. The next day they saw that it had mostly stabilised except for an episode in the morning so they gave me a referral to a local cardiologist (the same one B went to last year) and discharged me.

Recovery from surgery was pretty much a one week process. The first four days I had a lot of muscle soreness so movement was very limited. DH looked after me well and found out how much a nurse really has to do!!! There were a lot of pills to be taken and half of them required food to be eaten first so there was no sleeping in for him as quite a lot had to be done for me. He was so good though and had no problem doing any of it. On the Thursday he took me to the hairdresser to get my hair washed and blow waved which was really lovely ($70, so is definitely a treat!)

There were no extra charges for being put in the high dependency ward, we simply had to pay the $500 excess upon admission. I paid the $2158 to the orthopaedic surgeon a few days before, so now need to get the refund of $743 from Medicare and private health insurance. Probably the other big expenses (kind of) is the parking at $30.75 per day for the Monday and Tuesday - B spent as much time as he was allowed to be there for me. We also went out to dinner on Thursday night ($59.30) and went out to lunch and to a nice chocolate shop on the coast on the Sunday.

The only other financial thing I did was save $100 each for us. Our savings are now about $2600 each in my shares account and in the home loan offset account, so want to gradually add a little bit each month. Eventually when things calm down a bit I'll look at our credit cards as they're creeping up a bit.

All in all, I'm alive and well so all is good 😊.

Weeks 25-26: Broken Collarbone, Surgery Required

July 8th, 2018 at 12:55 am

A couple of weeks ago I wrote about falling off a motorbike and having a sore shoulder. I simply thought it was bad bruising, a soft tissue injury, however have found out that it was a broken collarbone which completely snapped in two and separated about 2cms apart!!

I really have not been in a lot of pain so it was all very surprising. It was also why we didn't go to emergency and get it all fixed straight away.

As I'm not in a lot of pain the public healthcare system hasn't put priority on my injury. The doctor referred me to an orthopaedic surgeon but said as long as the appointment is within 3 weeks that will be fine. The surgeon he referred me to wasn't available until 24 July and my nurse friend told me that is way too far away: I'm at risk of a worse fracture or it healing up wrong, needing surgery and requiring it to be re-broken in the process. Ugh.

I found a reputable surgeon who was available four days later and saw me last Tuesday. He strongly suggested surgery (joining both bones up with a plate and 3-4 screws).. I don't want it however he has said that it will take 4-6 months to heal with no guarantee of the collarbone rejoining, so then surgery would be required anyway. Therefore I have agreed to have the surgery, which takes place tomorrow morning.

It could have been a day surgery but the surgeon said to stay overnight does not cost much more and it is better to be monitored on the first day so I can get appropriate pain meds. Also it is an hour's drive from home so could be a very rough journey home straight after a surgery.

We are using our private health insurance for this as it is a time-sensitive issue. So far these are the costings:

Physio $105
X-ray $113
Orthopaedic surgeon consultation $110 ($200 - $90 refundable back from Medicare)
Orthopaedic surgeon surgery fee $1435 ($2158 - $723 refundable back from Medicare and private health ins)
Anaesthetist estimated surgery fee $750
Private health ins excess for hospital (surgery & staying there afterwards) $500 (private health ins then pays whatever the balance is)

TOTAL: $3013


I spent this weekend getting our finances up to date and have found that we had a surplus last month of $2109 so there will not be much to pay for out of this month's spending money and there is no need to dip into savings (yay!!)

I have been instructed to take a week off work on sick leave to recover, and B is taking two days off to take me to the hospital, be there during the surgery and look after me the next day when he brings me home. He has looked after me so well since the accident Smile.


Wish me luck!! Will let you know how it goes when I am able.


Weeks 23-24: Things Getting Better, Health Problems

June 25th, 2018 at 05:11 am

I got a nice surprise on the Sunday night of Week 23 with DH coming home 😊. He spent a weekend with our really good friends who made him see that his friendship was wrong and that he should try to make our marriage work and reminded him of the good points about me and our marriage.

We spent some time talking about things which we will start trying to do like talking a couple of days a week on the phone to try and connect and communicate more and better, date nights each week (with every second week to be out of the house with one choosing what to do one time and the other choosing next time) and for us to go away alone every 3-4 months; these things sound really promising for us to rebuild our marriage.

He ended the friendship and asked me to apologise for what I wrote to her. I told him I would but I was also going to make it clear that the friendship is over with no chance of restarting (as long as we are together, but I didn't write that). I did these things and when he saw the message he was initially upset but after a while seemed to be fine. I'm so hoping that there has been no further contact however am not sure how much I want to push trying to check this as I'm wanting to create positivity as we rebuild.

Last Thursday the cold I had got much worse so had 2 days off work due to being lethargic and having chills.

Yesterday B tried to teach me to ride a trail bike (here we call them dirt bikes). Unfortunately I had a small accident within 30 seconds of riding it and fell off the bike. It looks like I have jarred/sprained my shoulder which is rather painful. I'm going to go to the physiotherapist tomorrow and get it looked at, will possibly need X-rays and an MRI scan. We have decided that riding trail bikes will not be one of our joint activities as we are both traumatised from yesterday! I'm just glad that a sprained/jarred shoulder is the worst of it, who knows what could have happened..

Today B came down with my cold, so with his cold and my hurt shoulder we make a good pair!!

Financially I've had no idea of what we've been spending so just used the spending tracking app I have linked to our bank accounts and B's credit cards to put the bulk figures in for the month. Despite the upheaval it looks like our spending hasn't been too crazy amazingly. Not sure of what my shoulder will cost though - it could be anywhere between $125 (physiotherapist consulting fee) and $1000 (if X-rays and MRI scans are required) but it looks like financially we are ok.

Weeks 21-22: Awful, awful, awful.

June 11th, 2018 at 04:08 am

It has been a horrible couple of weeks in the VS_ozgirl household.

We have had ongoing marital problems due to a friendship DH has with a female friend which I view as inappropriate. This is why we have been going to marriage counselling.

This has all come to a head a couple of weeks ago due to something I have seen which has made me upset and after a nasty fight, DH has agreed to end the friendship. However he ended the friendship and came home and said that he doesn't know what he wants anymore.

A couple of days later he has said that maybe we need some time apart to see if we can work things out and so that he will know what he wants. I think the reason why he has said this is because he doesn't know why all of a sudden he is doing what he is doing. He knows it's not right, however he thinks that unhappiness within our marriage is the cause - that we have drifted apart after many years.

This was not last Sunday, but the Sunday before. On the Monday night it was apparent that he needs to be elsewhere. He went to one of his best friend's houses for dinner on Tuesday and his best friend (male friend, not the person in question) and his partner agreed to let him stay for a bit.

He went to marriage counselling on his own last week and had a big talk with the marriage counsellor. The marriage counsellor told him not to stay away from home too long as it will become hard to re-interact. He has to go to the counsellor again this week and then we are to go together next week.

He has been at his friend's house since last Wednesday night. We went out to dinner last Friday to talk things out and it seemed promising, however he has been coming around each day of the weekend to do things around the house that need to be done and it is looking less promising over the last couple of days.

I am devastated. I miss him so much. I have told him that he cannot be friends with this woman, and as long as he is our marriage will never work. He understands that if he is to come home he cannot have contact with her ever. Now he is not sure of what his feelings are towards me anymore, or if he wants to be married.

I have told him today that I love him so much, and don't want to throw away the nearly 19 years we have together, and just want him back home. And this hurts so much. He has told me that he knows I love him so much but he just doesn't know what his feelings are, but he just wants to work out what's wrong and move forward.

Last night I heard a loud noise and was scared so called him and just had him on the phone a couple of minutes so I knew that nobody was here and after talking for a minute he was crying down the phone.

He said that he doesn't know what's wrong with him and at the moment he has no feelings, he doesn't know if he's coming or going.

I don't think he's had a chance to miss me because he's seen me nearly every day even though he's staying elsewhere. I told him that when I went to the UK for 2 & 1/2 weeks I didn't miss him at the beginning because I was seeing new things but by the end of the trip I missed him and was ready to come home. I told him to take enough clothes for 5 days so he doesn't have to come home and hopefully he will start missing me.

He's taken some clothes but because I was doing washing today needs to get more and will come over tomorrow when I'm not home.

Everything hurts so much. He's texting me goodnight and it hurts because he's not on holiday, he's trying to work out if he still wants to be with me, and he should be home with me in our bed kissing me goodnight. He asked me if I wanted him to stop doing that and I said no, because even though it hurts like hell I'm glad I'm the last thing on his mind before he goes to sleep.

I had to put new towels out for the week and didn't have to put any on his towel rail because he's not here and that hurt.

I had to do grocery shopping for myself and our animals only and that hurt.

Because there's only me here I cooked up a big batch of beef and red wine casserole and will freeze about 3 nights worth.

I have cancelled all of our transfers into our checking account and credit cards and will transfer money over as needed. I need to work out what we have spent for the week and possibly put in $200 into our checking account.

I told him he can't stay away too long, but what happens in the next couple of weeks is anyone's guess. There will come a time in the next couple of weeks where he will be called to make a choice as to whether he comes home or we break up, and while I'm trying to stay positive I'm devastated in case we do break up.

I know there are far worse things than a break up but this hurts like hell.