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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!

Home Hair Dye Experiment (successful)

August 27th, 2018 at 04:05 am

I'm not even sure what happened last time I wrote but here's a small financial thing I did a couple of weeks ago - dyed my hair successfully for the first time!

My hairdresser is great and much cheaper than hairdressing salons at $110 for a half head of foils. I always said that if I stopped going to her I'd dye it myself because generally what I get done is nothing magnificent really, just touching up my regrowth and a haircut.

So our security doors were getting installed at the same time as the hair appointment so I tried rescheduling however she didn't have anything for the next month so I got to try out my experiment! I watched some videos on YouTube and then went to a hair supplies shop and they worked out what I would need, the best colours and gave me instructions plus directions on how much of each.

All up it cost $106 however with their ratios I still had half a bowl of dye left over so I actually have enough hair dye left in the tubes for another two dyes! So instead of $110 for foils and haircut it was technically $33 for a tint (per use). I will go back to her in October however as the December appointment is at 6am I am thinking of cancelling that then and doing the tint then too.

New Car Savings, Murphy Strikes Again

August 3rd, 2018 at 12:46 am

I was listing the events that happened each week and keep getting my weeks mixed up, so that's all getting a bit hard! The point is I'm now back in the groove of writing weekly so I'll keep that up without listing each week's number.

Since I wrote last I've been to my post-operation appointment with the orthopaedic surgeon and he believes everything is healing in the way it should, which is great. I've been cleared to drive and resume normal activities within reason but must wear a sling in crowded places. Every day I'm healing a bit more. I'm now going to weekly physio appointments up until the final post-operation appointment at the start of September.

The good money things which have happened is we have found out that B's final car loan payment is next month! As previously agreed, I am going to take part of what we would pay each month and put it towards savings towards my new car. His payment is $742 per month - I would like to get a car for around $25000 in four years time, so worked out to do this would need $520 per month. Hopefully my car will last that long - the engine is pretty good but it is now 15 years old. Need to pick out and organise an internet account with a high interest rate soon 😊.

Now for the bad money things.. as well as having surgery which we had out of pocket costs for to the tune of roughly $3000, we last week decided to make two large purchases (the security doors for $3000 and the exhaust for the Harley for $1200). This would have been fine over a few months. But on Monday night the hot water service blew up. Grrr. That is $1500. Then a night or two later the dishwasher jammed up and it looks like it is a problem to do with the computer board in it... our savings are pretty much cleared out from the hot water service and exhaust so we are washing dishes by hand at the moment. A dishwasher is not a necessity and there has been so much money spent lately the thought of spending more is making me ill. This situation is looking kind of like the spa purchase last year where we repaid the credit card back over four months. Once I have final costs I will work out how much we need to repay per month.

All the same, even with the above expenses I am still determined to set up an account for the car and set up a monthly savings direct debit into it. The thing is, if you have a car loan you will always have to pay it monthly no matter what the situation is so I want us to be disciplined to save in the same way.

Week 27: Surgery Successful, Other Health Problems Now

July 19th, 2018 at 03:13 pm

Well I got through my first ever operation ok. I was so nervous but the hospital was really great and looked after me so well. I would highly recommend private hospitals from this experience. It didn't come off completely without a hitch though.

When I met with the anaesthetist right before the surgery he got the stethoscope out, listened and told me my heart is beating too fast, and hooked me up to a heart monitor. This told us it was beating at a rate of 8-10 extra beats per minute. He said we can still go ahead with the surgery but we will look into it afterwards.

After the surgery I was told that my heart kept on beating at the 8-10 extra beats through the entire surgery and that they would monitor how it is overnight, so I got moved to a high dependency ward and hooked up to a heart monitor. The next day they saw that it had mostly stabilised except for an episode in the morning so they gave me a referral to a local cardiologist (the same one B went to last year) and discharged me.

Recovery from surgery was pretty much a one week process. The first four days I had a lot of muscle soreness so movement was very limited. DH looked after me well and found out how much a nurse really has to do!!! There were a lot of pills to be taken and half of them required food to be eaten first so there was no sleeping in for him as quite a lot had to be done for me. He was so good though and had no problem doing any of it. On the Thursday he took me to the hairdresser to get my hair washed and blow waved which was really lovely ($70, so is definitely a treat!)

There were no extra charges for being put in the high dependency ward, we simply had to pay the $500 excess upon admission. I paid the $2158 to the orthopaedic surgeon a few days before, so now need to get the refund of $743 from Medicare and private health insurance. Probably the other big expenses (kind of) is the parking at $30.75 per day for the Monday and Tuesday - B spent as much time as he was allowed to be there for me. We also went out to dinner on Thursday night ($59.30) and went out to lunch and to a nice chocolate shop on the coast on the Sunday.

The only other financial thing I did was save $100 each for us. Our savings are now about $2600 each in my shares account and in the home loan offset account, so want to gradually add a little bit each month. Eventually when things calm down a bit I'll look at our credit cards as they're creeping up a bit.

All in all, I'm alive and well so all is good 😊.

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!

First EF Withdrawal For The Year

July 19th, 2017 at 05:33 am

This year we haven't needed to make a withdrawal from the EF until today. B was on his way out and mentioned that his car was really slow to start and may need a new battery, so he was going to see how the car went today and decide on whether or not to replace the battery.

Well he made it out of the driveway and halfway across the road and then it promptly died! We pushed the car out to a safer spot and called roadside assistance. After all, this is what we pay for Smile.

They came out to our house with a new battery for which we paid $319. Because this month has been crazy with spending and this is technically an emergency, we withdrew it from the EF. Glad that we have the funds available to cover true emergencies like this. I think we have about $2200 cash now so will look at boosting this back up again next year.

Thailand Trip Back In Motion

May 21st, 2017 at 05:37 am

It feels like forever since I've blogged. Working plus studying has gotten really hard as there have also been several social things on that taken up a fair bit of time.

Although all of this time has been spent studying and simply getting through day to day life, I am severely behind in this subject as there was a lot more involved than I originally thought. It's a statistics subject, so the first few weeks were interesting, especially with the various excel charts that can be used but once algebra was brought into the equation I feel like I'm studying another language. Ultimately it's well beyond my capabilities.

I'm now one week from finishing this subject and am supposed to be sitting an exam next week and have no idea if I will even pass. When I was thinking about doing the subject B asked me if it was really worth it and I'm now inclined to say no, it's not worth it for me. My understanding is below what it should be yet my whole life in all others areas feels like it's falling apart and nothing is getting done.

As a result I'm at a place where I'm planning on withdrawing from the degree and am wishing to change jobs. I can accept myself as a bookkeeper instead of an accountant and would prefer to have my life in order than wholly putting everything into a degree while the rest of it all falls to the wayside, and the studying with the work is too much of a balancing act. I can still earn the same money and while there isn't as much upside to future earnings there is still the opportunity for an extra $10,000 to $20,000 per year if you become good enough at the role so I can live with that.

With changing jobs, we are about to hit a very quiet spell for the next couple of months and I would have to take leave anyway; but I really feel like a change as I have been working at the same company for the last 12.5 years. B has said that he will support me if needed, but hopefully savings will tide us over and we should be ok. I've seen plenty of jobs that I can apply for so am not too fussed.

So that's one big thing that's been going on.

Also, we had a trip to Thailand planned before where we purchased a voucher for 8 nights accommodation plus flights for $800pp and paid $150 each but the voucher expires this September and nobody was interested in going in the end so we thought it was cancelled. One of our friends had the idea of going next year instead around our 40th birthdays and was able to transfer the deposits over to a deposit on flights instead. We agreed and she has booked us flights at $800pp for early March next year.

As a result I saved away $700 last month into the holiday fund, so it is now at $995.75. We haven't received the flight itineraries and payment instructions yet but I trust that it is all in motion as she has said that it is booked.