Rather than plan a blog entry I thought I would just spend 10 mins blogging of whatever comes to mind (sometimes it's just easier to get things done that way).

I usually log everything into a spreadsheet once a month and pay the bills all at the same time, around the 15th of the month.  Life just got busy last week as we went away camping on the weekend and had a few things to do beforehand.  Anyway, as soon as I had free time I sat down and checked the balances, listed the bills to be paid and any extra out of the ordinary spending.

I have been noticing a slight bill creep each month, some things we can probably change, others I am not completely sure of yet.  One thing for example is our caravan insurance is due for renewal next month and when we got it last year they stipulated it be paid by direct debit - looking at the renewal notice I can see an $84 administration charge for monthly direct debits, so I will contact them and see if we can pay it in one payment instead.  I hate paying administration charges on direct debits, and if possible would rather pay things in one payment only.

My wages went up slightly due to changing my work hours around - instead of working 3 days, I am working 5 mornings; so am working 20 per hours per week and no unpaid lunch break is required now (it was 3 days of 20 hours with 30 mins lunchbreak, but because my shift is under 5 hours by law I don't need to take a lunchbreak).  I'm actually really enjoying working the mornings and feel like I want to keep this routine, and set my business up to work in the afternoon.  Anyway as a result of this, I was able to withdraw less from my payout of my old job and withdrew $448 to bring my wages up to my $3000 monthly requirement.

Hope everyone's well!