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Scary September

September 3rd, 2015 at 05:10 am

Here September is wonderful because it is the start of spring and winter is on it's way out (happy dance!!). In our house September is scary because all our expensive bills fall due.

I did the monthly budget just to work out if we could afford to save the $183 mortgage saving to add to the mortgage principal - from August. Turns out we can, and so I did. That was important to me.

We have council rates ($400), an electricity bill of $612 and our telephone company had an outage a while ago and the wifi on my ipad stopped working. Unfortunately I didn't realise until possibly a week or more later. Then opened up the phone bill to find an extra $200 in data usage added on! I was so not happy!

Add to that a more than likely high gas bill which is expected to come in at the end of the month, and I am nervous.

I worked out that we can just afford the bills, necessities and our usual savings, and probably some small luxuries here and there. But as it's scary September, conservative and frugal is the name of the game. The aim is no super high grocery bills this month (I really will try!) and not overly high spending in the other areas.

In terms of the $303 credit card payment to come out in the middle of the month, I now have $72.40.

5 Responses to “Scary September”

  1. miz pat Says:

    I have another bank account that I use to save for specific big budget yearly bills, like car insurance, dog shots, Christmas, and an extra $800 for the electric bills. It comes to about $5000 a year ($200 every other week auto deposit). If at the beginning of the year, I have extra money, I put it in a CD or do home improvements (Like insulating the ceilings).

    It makes the summer months less scary. Of course, insulating helped bring the electric bills down too - I used to pay about $450 a month from June - October, and now its half that. Yahoo for home improvements that save money.

  2. debtfreeme Says:

    Did I read correctly that your electric bill is $612??

  3. VS_ozgirl Says:

    Miz Pat - that's a good idea, I might start doing that on January 1

    Kiki - yep afraid so, however it was around the same this time last year. Could have something to do with spending a lot more time inside over winter. We could really focus on this area.

  4. frugaltexan75 Says:

    Yikes! I was wondering also if I'd misread your electric bill.

    Good luck with your plans!

  5. VS_ozgirl Says:

    Thanks! Ps the electric bill is high but it's quarterly not monthly.

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