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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.

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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!!

Snowflake & Electrician

August 27th, 2017 at 01:40 pm

It's been so long since I've blogged, possibly about three weeks, that I'm not going to write about every little thing that has happened, it would take far too long. I was sick for a week and then my energy levels were a bit low but am feeling a bit better now, so will simply write about the most recent financial things going on.

On the weekend, I received a $10 snowflake in the form of a Safeway everyday reward (grocery shopping). I added this to our Christmas present fund. I was hoping to have $1000 by Christmas but have been a bit lax with the $1000 challenge and monitoring it. Anyhow, we now have $375 for Christmas presents so it will certainly be helpful!

The other thing that happened on the weekend was we had an electrician around to wire up our new spa! It arrived the weekend before, so now we can happily use it - we had an outside powerpoint installed so that if anything happens to it, it doesn't affect power to the house. (This is all I can tell you because I am not particularly savvy with anything mechanical/electrical). We thought it would be around $400 but as B used an electrician through his work, he was only charged $200, which was really great.

Ps. the spa is wonderful, worth every cent!

Hope everyone is well!

Back From Merimbula Holiday

August 7th, 2017 at 01:33 pm

DH and I went away a couple of weeks ago to a place called Merimbula, New South Wales, Australia. It was a week long camping trip - while the camping part was relatively inexpensive, we certainly didn't hold back from sightseeing and enjoying the local fresh seafood.

We are now back to normal. Spending was high in July, so like a lot of you, August is to be a quiet month. We are trying to use up food in our cupboards and avoid spending too much.

Here are some pics of Merimbula:











This is a picture of a rainbow lorikeet, which there were quite a few of at the caravan park where we stayed - they are so friendly!



Looking forward to speaking with you all about various financial matters now that we are back at work and back to normal!

Sunday June 11

June 11th, 2017 at 04:52 am

I'm not completely sure what to write about but feel I should try and keep active with the blogging nonetheless.

Today was a no-spend day because we had a late night out with friends last night and have simply been too tired to go anywhere. A lot of today was spent sleeping. I could have done the grocery shopping but simply didn't have the energy so dinner for us was pies and chips from the freezer.

I am still not tracking spending through the app as I have missed the first 11 days and it is all a bit hard to remember what was spent, especially when part of it was cash transactions. I do want to be back tracking spending next month though. I actually did not track last June either because that it is the month I went to the UK on a holiday. I cannot believe one year ago today I was madly packing to go on a holiday on the other side of the world!

Speaking of which, here is a picture of me & SG from when we met up! (I am the one wearing the pink tshirt)



I apologise for being so tardy with putting this picture up, it was a very happy day and I was glad to meet SG.

Another thing of note today - on a completely unrelated matter - is our dog for the last few days has been madly chewing her claw. I happened to have a look at it today and the claw has completely grown around so we will need to take her to the vet to have her nails clipped. She has to have her vaccinations done anyway so we will combine the two things to be done on the same visit. Hopefully all up it shouldn't cost more than $150-$200.

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!

April-18-2017

April 18th, 2017 at 05:25 am

Happy Easter to you all, hoping you have had a lovely Easter break.

I've had a massively busy couple of weeks so have only had time to focus on the necessities, but now I'm hoping to be back on my feet soon.

The reason my last two weeks were busy was because with this study unit last week I misread the study plan and accidentally did not do half of the work from the week before! It turns out the study plan ran over the page. I was having my coffee on Monday morning and working out my gameplan for the week when I realized the error I had made (it turns out this week was really busy; I had read two sections and did the corresponding work but over the page were another three sections to read with corresponding work for that and they were *long*). I was pretty upset. The normal weekly workload is 10hrs; because of Easter on Friday I did as much as I could on Monday-Thursday which was 7.5hours outside of work; barely had time to do anything else.

My birthday was last Thursday so went to dinner with B and he bought me a watch which was really nice. And he got a raise on my birthday! (so we got a raise haha; well we're married so we did anyway)

Then we went away camping with his family on their annual camping trip about an hour away from us which was really nice. We got back yesterday and are slowly getting back into routine.

This morning I got an email from Kobo about a book I wanted to read a long time ago which was marked down to $2.99 called The Ex by Alafair Burke. I don't normally buy books while I'm reading one but this seemed like a good deal.

Groceries were $17.60. We are going through eating the balance of our camping food but there is not a lot left. Still, I don't have the time to do a grocery shop so 10 minutes each day on the way home is fine.

Today I went back to work and back to studying, did 1hr17minutes - only 11hrs13minutes left.

As I am back in a bit of routine, I hope to be back blogging more now. Talk soon!

Kind Of Lazy Sunday

March 11th, 2017 at 08:56 pm

Two entries in two days doesn't happen to me very often but I am feeling like I have lots of time available so can spare a bit.

We're currently in the middle of a long weekend, tomorrow is a public holiday (Labour Day) so I don't have quite as much of the Sunday rush as I usually do. For me Sunday is generally a rest day - where I do the rest of the things I didn't get done during the week! So suffice to say I am usually rather busy.

We went away camping three weeks ago and will be going away next month at Easter so didn't want to have to put the cat in a boarding kennel again, and decided to stay home.

On Thursday my friend had a major meltdown and went missing. She is a single mother of 3 kids and her ex does not have the kids for very long and she is generally left with the bulk of parenting. The two sons play cricket and football so the ex is at every game and has the kids sometimes but it is generally a 2-3 hour period and doesn't generally have the daughter as she is 5 and he feels she is a bit hard to look after. Nobody knew she was this stressed. She put something up on FB on Wednesday night that she is so sick of her oldest kid who is constantly making life difficult and all she felt like doing was packing up and leaving. I did see the post and said "wow, she's never ever written that, he must have done something bad".

The next day her dad came over to mind the kids while she did a short work shift in the daytime (she works about 4hours and it is close to home), however she never came home. My other friend called me up about 8 to tell me she had run off and to see if I knew where she would be. The missing friend then accessed FB and told everybody not to worry, she is fine just very stressed out but not to try and find her as she doesn't want to talk to anyone. Her boyfriend didn't know where she was. Nobody did. The next few hours were spent speaking to various people to find out who knew anything. Just before bed I was speaking to one of our other friends who lives 2 states away (but we all speak regularly) and she said she was talking to missing friend's brother who said he thought she may have gone to the beach, which to me was a real worry in her state of mind.

The next morning I was speaking to my interstate friend and decided to contact missing friend's boyfriend for an update. He said that she came to his house very late at night and they talked for a while and in the morning talked some more but when he went to the toilet she left again. He said she wasn't acting right, she was very out of it and couldn't understand much of what he was saying. He wasn't as concerned as we were though which was so weird. He said she's done it before and will be ok. As he doesn't work and I was at work I asked him to go for a drive to the beach and see if she was there again. Sure enough she was. I then contacted interstate friend who contacted missing friend's family who were worried sick and her mother went down there and had a long chat with her.

I have never used my phone so much at work as I did on Friday! When I got home it was down to 4%. My friend is now staying with her boyfriend and her parents are minding the children while she gets some much-needed rest. I am still so worried about her though. We have looked up resources that she can use to help cope with parenting, eg psychiatrists and community services. To me it is such a massive thing to leave your children and basically spend hours sitting in your car - I didn't know if she was suicidal and that was my biggest fear. Please pray for my friend that she will get the help she needs and her children will be relatively unscathed from all of this. (We can only suggest services to her and cannot force her to use what is available)

Yesterday, after all of what happened on Thursday and Friday I really felt like I needed downtime to recharge. B went to the motorbike club he is a member of and helped them out today. I did some study and relaxed and then rented out a movie last night which I fell asleep to unfortunately.

Today I went for a swim in the morning at my gym, then bought some lasagna for dinner and bacon, mushrooms, tomatoes and orange juice for a bacon and egg breakfast tomorrow (because this is not normally something we can do on a Monday morning!). $24.71 was spent.

Then I bought some wine ($15.94 was spent)

Then I bought an iTunes card. This is a $30 card and there was 15% off, so amount payable was $25.50. All items today were put on my credit card, food and wine have been repaid already. When I repay the iTunes card I am going to also transfer the saved amount of $4.50 to the Christmas savings challenge because I am counting it as a snowflake.

Speaking of snowflakes, I spent 7hrs and 57minutes studying for my biggest snowflake (a subject in a degree which will be completed eventually and which would result in a significant payrise).

I now am going to sweep and mop the kitchen floor, fold some laundry and then B and I are planning on using the hot tub, which will be the perfect end to a lazy sunday Smile.

11 Things For 11 Days

March 10th, 2017 at 10:10 pm

It's been a little while since I've posted so rather than write about whatever the latest thing is, I'm going to write about 11 things (hopefully mostly financial) that have been going on in the last 11 days:

1. On Tuesday our dishwasher seal broke Frown. Luckily I was standing near it and it had only run for 3 minutes so there was no water damage. B had a look at it and found the manufacturers website so we bought a double pack of seals (just in case the other seal goes, so that we don't have to re-order) for $52.73 which they say will be delivered to us next Wednesday. We are both so sick of washing dishes by hand but thankfully have got ourselves into a more regular routine so it's a bit less painful.

2. I finally got around to checking my superannuation account (retirement account) and the balance is $92,008. Going by ceejay's years x income, by the time I turn 40 next year I need to have 2 x times my income so $108,000. I realized that combined with the taxable investments I hold outside of superannuation and earnings that hopefully the account will receive it should be a possibility. The earnings last year were a paltry 2.44% however over 5 years in total they were 38.75% which equates to 7.75% per year which beats the standard 5%. I am happy with 7.75%.

3. B got a letter from a superannuation account which was an employer one from a job he had 9-10 years ago stating that if he didn't give his instructions on what to do with the account they would be turning it over to the Australian Taxation Office so they could hold it in the unclaimed moneys department. We had a financial planner roll all of our employer superannuation accounts into one years ago however he missed this one, the current account balance is $4,187.50. The letter was dated 1st February and gave us until 22nd February however I don't think they sent it for a while because we saw the letter on the 28th so the money has now gone to the Tax Office. There will now be a lengthy process to get it and roll it over as B will need to apply in writing and we will need to wait a while most likely to receive it. How annoying.

4. We have decided not to go on the Phuket holiday. This is due to our friends not being interested in going anymore and also B not really being interested. I wouldn't mind going but I'm not too bothered that we aren't doing it anymore as I had a big trip overseas last year and generally like to go overseas every 2-3 years, otherwise it can be a bit expensive going on annual overseas trips. We are now looking at doing a camping holiday in the next state at a beachy sort of area instead, which I am looking forward to. I'm not sure of when we will go though, it would be sometime between July and September and would be dependent on B's work (my work is a bit more flexible at that time of year).

5. This month we pay B's tax of $2,780. All funds have now been saved and the money will be transferred over soon.

6. Our car insurances also get debited out of our account around the 19th of March; mine is $969.40 for a 14 year old car; B's is $1,121.16 for a 6 year old car. We have enough money in the account and because I averaged out the bills amount back in October we did not have to pay for any of it out of pocket which is great! Last year we had to find $461.40 to cover the remaining portion. All I need to do is work out which bank account B's car insurance comes out of, don't remember.

7. We made month number 2 of the Christmas savings challenge, so we now have $135 saved up. This month we are supposed to save up $95. We currently have $2 saved up so need to start working towards it.

8. I bought a replacement suit for work a couple of weeks ago for $132, which was an $87 reduction in price. This suit should last a long time so was happy to pay it.

9. B is on a health kick and has rejoined boxing classes. He went regularly just before we got married but then it died off after the wedding so it's been a few years since he's been. To test the waters instead of signing up for a membership we bought a 10 class pack for $130. So far he has done 2 classes this week and has lost 2 kilos so is pretty happy. If he decides after using up the class pack that he wants to rejoin, it is $19.95 per week (same as my membership).

10. Last week we had my family over for lunch and it was a warm day so we cooked up chicken with roast potatoes and salad, then my sister and I both did a dessert each. It was a lovely meal and for 7 people we spent a whole $37.86 Smile. You could spend that on 2 people going out for lunch so I was pretty happy.

11. It is week 2 of my study unit and I am coping ok with the workload. They say you need to allocate 10hours per week however this subject's tutor has said we should allocate 15(!?!) which I really hope is not the truth because I don't know how on earth I would fit that amount of time in. I really want to be diligent with doing 10hours from the very start to avoid having to do 20hours around exam and assignment time, but this week I am finding that I have put in 7.5hours and don't really have 2.5 more hours of work to do.... I will probably finish the online quiz I have to do and do some revision.

I struggled to think of the 11th thing but I'm glad to have jotted down some bits and pieces. Off to check the blogs!