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Both Credit Cards Under $2K Each; Good Job News

June 21st, 2019 at 12:51 am

As of Thursday 20th June, my Virgin card was $1997 and my NAB card was $1442. I made the goal to have that under $2000 in the next few weeks (took 2 weeks), so am very happy about that!

I missed blogging last week because I was sick with a cold, and actually had 2.5 days off work. All better now but didn’t really have the energy to do much for a couple of days.

I also have transferred $31 to our holiday savings for UK 🇬🇧 next year. So far we have $1200, last week when we received our monthly pays we paid a bit over $300 in. Nearly enough for one of our two airfare tickets 😊.

In other events B is still laying the floating floors on the weekends - we have had a lot of social engagements so it has been hard to do too much. The lounge room floor has been laid and we are in the midst of doing our bedroom (therefore we are sleeping in the guest room at the moment). We had a $900 buffer between the loan money received and the cost of the flooring and landscaping, however because of having to buy extra bits and pieces there is only $240 left.

My biggest event for the week happened today ... I had a moment alone with my boss and asked him if he considered the possibility of me going down to 4 days per week. I have been thinking about this for a while so it’s not a spontaneous idea. One day (hopefully within the new financial year) I’d love to open my own bookkeeping business and work from home 1-2 days per week. There are a few things I need to study first though so I’d like to start doing that on the day off. He agreed!! It’s a temporary arrangement for the moment - we have agreed to review whether it’s working sometime between the end of September and the middle of November, before it gets busy for Christmas. There have been some conditions laid down: he wants me to be in the office 15 minutes before we open (something I have never been great with) and I have to leave my phone in the drawer so I’m not tempted to look at it all the time. This is to maximise efficiency, and that is fine, it’s reasonable. I’m very grateful that he accepted my request and am so happy!!

Wishing that everyone has a great weekend!

Credit Card Repayment, Holiday Savings, Job News

June 11th, 2019 at 12:41 am

As of Thursday 6th June, my Virgin card was $2063 and my NAB card was $1448. Not much of a decrease but not going up either! I transferred $180 grocery money onto the Virgin card (I pay grocery money onto the credit card before using it) and $18 credit card repayment onto the Virgin card.. next week the Virgin card will be $2045, my goal is to have that under $2000 in the next few weeks - hoping for next week.

Every Thursday is our “payday”. We both get paid monthly on the same day so I put our spending money aside and transfer an equal amount each week on Thursday, which I did today (hence the repayment and payments etc).

I also have to transferred $24 to our holiday savings for UK 🇬🇧 next year. So far we have $826, we will then have $850. We are looking at travelling in August next year and have already told our UK friend, it’s all very exciting.

In other events B started laying the floating floors on the weekend. We had a $900 buffer between the loan money received and the cost of the flooring and landscaping, however we had to hire a machine to pull up the hallway tiles, buy a part to grind the concrete flat and buy compound level mix to lay on top of the concrete to get it really flat - these expenses used up $400 of the buffer.

My biggest event for the week happened on that same Thursday... I had a moment alone with my boss and asked him of the possibility of going down to 4 days per week. I have been thinking about this for a while so it’s not a spontaneous idea. One day (hopefully within the new financial year) I’d love to open my own bookkeeping business and work from home 1-2 days per week. There are a few things I need to study first though so I’d like to start doing that on the day off. So far he hasn’t responded. Wish me luck!!

Wishing that everyone had a great weekend!

CC Repayment, New eBooks, Holiday Savings & Floorboards

May 30th, 2019 at 03:27 pm

As of today, Thursday 30th May, my Virgin card was $2094 and my NAB card was $1449. Not much of a decrease but not going up either! I transferred $180 grocery money onto the NAB card (I pay grocery money onto the credit card before using it) and $30 credit card repayment onto the Virgin card.. next week the Virgin card will be $2064, my goal is to have that under $2000 in the next few weeks.

Every Thursday is our “payday”. We both get paid monthly on the same day so I put our spending money aside and transfer an equal amount each week on Thursday, which I did today (hence the repayment and payments etc).

I love to read ebooks on my iPad and my book today finished so I bought some more from Kobo for $26. I bought:
- book 6 in the Jamie Lee Scott Gotcha detective series (I just finished 5)
- Winging It by Emma Isaacs (a book about starting your own business - my next goal, will discuss more another day)
- Into the Silent Sea by Claire Stibbe (a thriller, not sure where it’s set)
- The Body in the Marsh by Nick Louth (an English thriller)
Looking forward to reading these!

I also transferred $51 to our holiday savings for UK 🇬🇧 next year. So far we have $826. We are looking at travelling in August next year and have already told our UK friend, it’s all very exciting.

In other events B collected our floating floors on Tuesday and we are looking at starting to lay them on the weekend (more excitement!). When he collected them the tailgate opened and they fell out onto the road, but amazingly they only have a few scratches! In daylight on the weekend we will inspect much more closely but apparently they are mostly ok.

Wishing everyone a great weekend!

Hello! 👋 It’s Been A While...

May 27th, 2019 at 03:25 pm

Hi everyone! It’s been so long but have had a really full few months where basically a lot of my downtime just got depleted. Busy at work, going away for weekends here and there, and then in March we went away to Tasmania with friends for our first ever motorbike tour. It was really wonderful! I’m not great with uploading pictures because a lot of the time I write my blog posts from my iPad and it seems harder than doing it off the PC but if you have a moment google these places: Cradle Mountain, Salamanca Place in Hobart, and Wineglass Bay. These places are absolutely beautiful. The trip wasn’t that expensive as there was a group of us so we shared our accommodation which works out cheaper than just 2 people.

We were home for one week however when DH went for a ride on his dirt bike and fell off, fracturing his wrist and ankle on the same side of his body..... He required more care than me last year because of the whole side of his body being compromised. Luckily though both fractures were not too bad so no surgery was required and he was back to being able to do everything after about 6 weeks. He was more uncomfortable than anything. Life was definitely pretty busy for a while though.

Financial things that have happened of note:
- DH got a pay rise of about $300 per month (yay B!)
- With all of the busyness life has thrown me I stopped tracking expenses about February. I just felt it was a better use of my time to focus on the big picture for a while. We aren’t overspending which is the main thing.
- I’ve had credit card debt for a while and I was noting every little thing I bought and repaying various items bought. That simply got confusing and it felt like debt was not getting repaid. About mid April I started noting both balances and simply make repayments - the only thing I charge to the credit cards now are grocery shopping and my monthly train ticket (and PayPal gets charged to one). Everything gets repaid pretty much instantly on top of repayments to debt. As of last Thursday my Virgin card was $2095 and my NAB card was $1468.
- We fixed our home loan in April for 3 years @ 3.99%
- We took out a $20000 loan last month for landscaping and floating floors. No more major renovations will occur until this loan is repaid. Really looking forward to seeing our place looking nice!

That’s all I can think of now. I’ve been lurking and am glad you’re all well! I’m looking forward to blogging a bit more now life has calmed down a bit!

Week 20

May 24th, 2018 at 12:57 am

I can't believe I haven't blogged at all this year!!! I thought I blogged at the start of the year but just checked, and not so. Seeing Shiela's comment that she's missed seeing my blog prompted me to not just lurk, but blog. The first few months has been very very busy but now we are in a quiet patch so it's time to resume old habits. I may try Shiela's habit of blogging weekly and titling the blog by week number.

A very quick summary of the first four-five months:

- January: lots of public holidays in Australia for this month; was basically either at work or away (we not only have the two weeks of Christmas off but also Australia Day weekend) or catching up
- February: the realisation that we were going away to Thailand and it is leading up to my busiest time of year at work. Have not worked so hard in a long time! Started an hour early every day, pretty much worked through lunch and worked back. Got an astonishing amount of work done, didn't have time for anything else and was super stressed. Most importantly though I got the required work done so that's all that matters.
- March: we went to Thailand for two weeks!! It was amazing. I will have to do a separate post with pictures, stories and will try to outline what we spent. The second half of the month was spent recovering and getting back to normal.
- April: it was my 40th birthday in the middle of the month, so we threw a party at home which was pretty big, we had just under 50 people and had it catered for. It was a great night, and pretty much everything I would want in a milestone birthday celebration. Also in April DH decided to change jobs, and found a job working at a friend's company which turns out to be in the same suburb as we live (slightly higher pay too).
- May: B started the job and is still getting used to it. We've had a lot of money come in this month due to his final pay from the previous job, and his new work also paid a pro-rata amount for 3 weeks pay. Important to note though that this must last until the middle of next month. Another big thing that happened is we bought a new camper. It was the kind of thing we wanted to get eventually but we had friends who bought a caravan and were selling their camper much cheaper than what it is worth. To get it we had to empty our savings so I was very nervous before we got the extra pay! We still have to sell our camper, will start advertising it next week.

What with the Thailand holiday and my birthday my credit cards have somehow crept up to around $2500. Reading the SA blogs has started to make me accountable to the cards again, so am focusing on reducing the balances down and getting them repaid.

I think that's all for now, hope you have all been well!

Credit Card & Bills In Order; Another Snowflake

April 20th, 2017 at 04:37 am

Today I sorted out my credit card and have paid both down to $0 (not that there was a lot of out-of-pocket to pay). With the Virgin card I paid $348.32 but only $124 of that was out-of-pocket spending, the rest was budgeted for and with my other card I paid $33.74 for last week's transactions.

It was then a great feeling to clear the note I keep on my phone of the various expenses I have put on the cards! (To not let little expenses sink a ship, every time I charge something to my cards I note it down in a note on my phone - this allows me to keep track of what is going on there and also makes me think twice about what is put on there).

All credit cards are now in order.

I then paid for the animal registrations which I neglected to pay last week.

Today I had to get some makeup as I was running low and when I paid at the cash register they informed me that I have a $5 credit as it was my birthday this month! I then applied it to the purchase and put it into the Christmas savings account later.

I have updated my snowflakes spreadsheet including the dividends received. So far I have received $437 in snowflakes; the two highest snowflakes are the dividends received this month of $153 and $140 in Safeway Everyday rewards. Following that is Christmas savings (the balance to make up the challenge) of $74.92, digital change savings of $30.63, the Medicare refund overpayment of $21.15, Priceline rewards $10.58, savings on gift cards $4.50 and interest earned of $2.58.

Technically the savings items aren't really snowflakes but I still feel like I have to add them in there.

Last night B was snoring really loudly so I had my second awful night of sleep. Two nights of falling asleep at 1am and being up at 6am has made me feel like a dead woman walking. As a result I'm only doing a couple of small things tonight and will go to bed soon. Hopefully I can get up before work and watch some more of the lecture I was watching (to avoid leaving everything to the weekend). We had a pretty relaxing night and I'm looking forward to sleeping soon. Goodnight all Smile.

Credit Card & Bill Management; Another Snowflake

April 19th, 2017 at 05:25 am

I am conscious that certain things have been let slide for a little while so I am trying to make amends before it is too painful.

Today and tomorrow my main priority is to get the credit cards to their correct balances. I have just fixed up B's credit card so that tomorrow when the automatic weekly transfer of $75 to that card hits, the balance will be $2,470.

We put $75 there per week to cover the compulsory car wash he must do for the company car each week plus his various coffees, lunches and miscellaneous expenses (eg going to the barber).

Unfortunately the card was sitting at $2,990... ! This was due to our easter trip, where he put fuel, alcohol and the new LED lighting kit we bought for the camper trailer on it amongst other small things. (We had to buy the kit while we were away because the batteries went flat on our main light source, luckily it was 25% off - the new lights make such a difference).

Anyway, I digress. I just transferred from our bank account $445.23, being $348.23 to cover the outstanding balance plus this month's payment of $97 against the mountain bike purchased. Ouch. These things add up - imagine if I had left this another two weeks?

So his card is now sorted. Tomorrow I will be paying down my Virgin credit card back to $0. I'm guessing that about $345 will need to be paid. (These charges consist of among other things: train ticket $137, balance of textbooks $55, balance of fuel $15, groceries $45, caravan park accommodation $90). My Virgin credit card hasn't been down to $0 since February, so it is pretty important to get that in order. (Around February I put school textbooks plus a new suit on it so have been paying these items down). All in all, I'm not terribly fussed about transferring over the money for either cards because all expenses have been entered into my spending app so there is nothing that is a nasty surprise.

In regards to bill management, I was so frantically busy last week that I simply paid the home phone and B's mobile bill and neglected to pay the animal's registration fees, must do that tomorrow night.

I received another $10 from Safeway Rewards so have transferred that to the Christmas Savings challenge. $56 towards this month is now sitting there so will only have to put in $44 at the end of the month. Must also update the snowflakes spreadsheet to include the dividends received the other but will get to that. Slowly getting everything back in order!

Fell Off The Wagon

February 23rd, 2017 at 02:27 am

I think I see a pattern here. When I came back from the UK I decided to go on an alcohol fast and it ended up being a period of low alcohol instead and unfortunately it has happened again - some things I have next to no willpower with. Why do I need to impose a restriction on myself anyway? I just bought one bottle of wine for the weekend so I can have a glass here and there. I had one tonight and that is all. This bottle was $15 which is my usual allowance I give myself for two bottles. Oh well.

Other spending today was petrol of $60, which should hopefully last a month. I also want to wash the car on the weekend too.

Tomorrow I am going to hunt for a new suit after work - I got a stain on one of my black suits which won't come out. I've had it for 2 1/2 years so got plenty of wear out of it. Unfortunately the material in my my favourite suit (1 1/2 years old) is also starting to wear dangerously thin; I can see the pants ripping one day so I actually am up for two new suits. I will put these one or two suits on my low rate credit card to repay back at around $40 per week until it's done.

Speaking of credit cards, small amounts of spending here and there meant I owed at the end of the credit card period $46.95 on one and $82.06 on the other - so have paid $64.51 this week and will pay the remaining $64.50 next week. It's amazing how these little things creep up, I barely remember what I bought - the scariest thing is when the credit card debt is larger can you even remember what you spent it on? I'm not going back to that place so will have to be more diligent with noting down what was spent on there.