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.
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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.
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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!!
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That is all for now, hoping you all have a lovely weekend!!
Spending, Holiday Plans & No More Physio!
December 13th, 2018 at 09:30 pm
December 14th, 2018 at 09:06 pm 1544821607
December 16th, 2018 at 05:05 am 1544936741
December 16th, 2018 at 03:05 pm 1544972743
Yay for being done with physio! Woohoo!
My highschool sweetheart actually lives in Tasmania. How random is that? He actually joined the US Navy and was stationed in Australia and never came back home. I wouldn't think too much about it, but my husband's cousin actually did the same thing. Makes me wonder how much of our military we lose to Australia.
December 17th, 2018 at 10:03 am 1545041001
Bluesfemme- thank you! It's so weird, I was thinking I wanted us to go to Tasmania next and then this trip fell right in our lap! Very excited about it, especially want to see Cradle Mountain & Wineglass Bay.
MonkeyMama- unfortunately my problem is due to having sketchy internet connection on both my ipad (we had bad weather for a lot of last week so I think it played havoc with it) and at home (the modem we got given is as bad as the last one!). I'm amazed I can post half the time!!
Thank you, very glad to be done with physio too!
We don't have heaps of Americans and Canadians here but we do have some here and there. One of the comments we get from them is they love how mild our weather is compared to some of the places in the US and Canada - apparently where I live the weather is alike to San Francisco. There aren't many places here that get snow for example; so it's all pretty mild except if you live in the outback or the mountains.