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We Got A New Puppy!

February 21st, 2022 at 10:53 am

Hi everybody!  It's been a while since I've posted an entry (in fact this is my first for 2022) but I have been reading everybody's entries, life has just been a little busy lately.  A pleasant kind of busy though, because in the middle of last month we got a new puppy!

I had been doing a 52 week challenge to save for new pets (which I wasn't completely regular with), we saved about $200 intermittently.  We were originally intending to wait a few years for a couple of new pets but I guess we just missed having the company of pets in our home and started to fall in love with the idea again.

We got given some cash from our FIL which is how we funded the purchase of the puppy.  He is a Jack Russell Terrier (like our beautiful dog who passed) and is so adorable! As we haven't had puppies for around 19 years now it has taken a little while to remember what life with a puppy is like!  It's so full on - nothing is off limits!  He is probably 75% well behaved 25% not.

Life has certainly become more fun though, and he is very much a member of our family!  It's so much fun going through all of the first milestones and watching him learn and grow.  He is such a confident sweet little puppy!

One thing I have done with the pets this time around is called one of our bank accounts "Holidays & Pets", set up a weekly deposit of $20 to be deposited there and have created his own spreadsheet. We could have opted for pet insurance but I think we have so many insurances as it is that it is simply another thing to deal with, another person to contact etc and decided that I would simply rather we set up a sinking fund as such instead.  For the first year that account will mostly be to pay vet bills and we are paying for any other purchases from our monthly spending money (there is always a big outlay when you first get a new pet setting things up and getting them bits and pieces).  He will getting desexed/neutered at 6 months old and the vet has quoted $350 for the procedure so there should be enough in the bank account for that when it happens.

New Investments, 52 Wk Challenge, New Couch

November 23rd, 2021 at 04:26 am

It's been nearly a month since I have blogged but all is fine here.  I am now working 3 days per week at my job, which is really great.  The job is going well and I can now plan to get some clients to fill up the remaining two days; now that I know exactly how much time I have available I can work more strongly towards that.

We got all of our banking stuff sorted and tax returns lodged, so it has been great to have that done and to spend less time on that area.

Financial stuff done today is:

Share Investing

I've kind of always had a little bit of money in shares and started spreadsheeting that properly in 2015.  I realised over the last month that I've had roughly $5500 invested for a couple of years now and the cash in the brokerage account has been steadily growing.  I admit, once money gets deposited there it generally stays there except for in a dire emergency, but thought it might be a good idea to re-balance and invest a bit more.  I worked out if I invested $1000 per year from 2015 and reinvested all of the investment earnings technically I should have $7682 invested.  To re-balance I bought 20 shares in an ETF for the amount of $1928 and 1000 shares in a small healthcare company for the amount of $562.  That now brings me to a balance of $7681 invested (current market value on everything $7972).  This should cover me to December next year before I have to think about adding any additional capital.

52 Week Challenge

I have not been keeping track of this but we had a bit of a surplus in our spending account so I paid 2 weeks of the challenge, that brings us to have now $212 saved towards some new pets.

New Couch

I decided to use part of my tax refund on a new couch for the back room/dining area, costing $1100 for a three seater recliner couch in leather lookalike material which is apparently very easy to clean.  It looks lovely and is very comfortable!

Unemployment Week 5, Landed Work Trial

August 24th, 2021 at 03:08 am

I'm a bit behind on entries, it's actually the start of week 6, but I will report week 6 at the end of the week.  After my last entry where I was getting annoyed with the job hunting process all of a sudden everything sped up into action.  In our state we have generally had short snap lockdowns this year so I think a lot of potential employers were just waiting out the lockdown (I have found that a lot of potential employers prefer to interview in person rather than Zoom; maybe everybody is completely sick of Zoom!).  This outbreak is spreading out of control though and nearly four weeks later it does not show any signs of slowing down, so I think potential employers have realised that the need to have their positions filled outweighs their interview preference and they just have to use Zoom.

On Friday I got a call asking for an interview first thing Monday morning, then on Sunday I got an email from someone else asking me to come to this business's home office (I declined due to lockdown and offered a Zoom interview instead). I ended up having two different interviews on Monday, one in the morning and one in the afternoon, which was definitely good practice in getting used to interviewing.  On Tuesday I got a call from another company and got an interview Thursday, and had to speak to them again on Wednesday so by the time I interviewed on Thursday I had a pretty good rapport with them.

The Thursday interview is for an accounts/admin job 2-3 days per week at a hair and beauty wholesaler and is a 10 minute drive from home.  The people seemed lovely, the interview went well and I was really happy to hear from them two hours later asking me to come back next week for a day to see if I like them, if they like me, and if I can do the work.  I've never had a work trial for an office job but read later on that it is common in retail and hospitality (they are retail).  Also is common with people who don't want to go through second interview processes and want the spot filled quickly.  Wish me luck on this one!

(I'm aware that right now it is a trial, not a secured job as yet, but am hopeful to get the job)

Pretty much as soon as I got the call asking for me to attend the work trial I got an email from the Monday afternoon interview asking for my references.  In the interview they stipulated that I would have to work at their home office and they are happy to obtain a work permit because it is an essential service however I know for a fact they are not an essential service so just didn't have a good feeling about them (if I get caught with a dodgy work permit it is a penalty of around $10,000!), so was happy to tell them that I have accepted another position.  I did research which businesses are essential services and there is no way that they are.

In financial news, things are going well - we have spent 41% of our variables budget and it is the 24th so that is great; we should finish the month off in a good position.  We had to replace our bedside table lamps today and spent $143, really this is the biggest expense we have had in a while.

Also I made our first deposit to the 52 week challenge, for the amount of $6.

Musings Unemployment Week 3

August 4th, 2021 at 08:11 am

I'm now in my third week of unemployment, so far I am not in too bad a place.  I have not hit the very stressed point yet.  I read somewhere that at the moment there are a lot of jobs but potential employers are being slower than usual to interview potential employees and make final decisions.  I definitely think there is a bit of truth in this.

I have applied for 16 jobs so far in this three weeks of unemployment.  I did also apply for one right before I resigned and got a phone call an hour after resigning requesting an interview and had to do three interviews for that job; I decided that I was not in such a need of a job straight away that I needed to interview while working as I didn't like the idea of sneaking around and it was exhausting fitting interviews into my lunchbreak.  So back to my three weeks unemployed, I have applied for 16 jobs since I finished up from my old work and have two interviews lined up for next week.

One interview is for a job I applied for on the 20th of July and the interview is next Thursday, so the interview will be 3 weeks and 2 days after I applied for it... The other interview I have is for a job I applied for yesterday and got an email from the director at 9.30 last night, so this job is much quicker to act to fill their vacancy.  Unfortunately I couldn't schedule it before the camping trip, so hopefully it won't make too bad of an impression (it is at the start of next week).

I went to the gym twice this week, which is a good healthy habit I am rebuilding and hopefully will be able to keep.  I have also slowly been building up the time I spend on my bookkeeping business.  Today I listened to part of a business podcast and then spent 2.5 hours working on the overdue work for the one client I have.  I'm starting to really focus on getting up to date with his work, because my next focus is creating the website for the business.

When I had to work 5 days per week from November last year to my date of termination last month I saved the money earned into my brokerage account (a great place to save because generally once money goes there it doesn't leave that account since it is held at another bank which I don't really check that much!), and found that it amounted to $4500.  So last week I transferred that money into the business account and then repaid all of the business bills for the year that were sitting on my credit card (this amounted to $1067).  I don't know how much the website will cost but the money transferred over is to pay for it.   I have a friend who used to be a website designer so she has offered to help me set it up which is great.

B and I have been good with spending, however spent a little bit on the weekend for extra camping items ($155) and B's birthday present ($210).  He loves camping so will be very happy to be away for his birthday!

A New Chapter Has Begun

July 29th, 2021 at 08:35 am

It's been a very long since I posted and has been a very big few months.  Last year my work (now my old work) asked me to work full-time and I agreed to work full-time until May, which they agreed to... however the job I was doing graduated into really needing full-time work, which was no longer my plan, as I want to run my own business!

So last month I took the leap and resigned!  It was time.  I worked there for just over 16.5 years, which is a wonderful effort.  They were lovely people and we got along well, so I valued that and it made it easy to stay working at the same place for so long.  But ultimately I wanted better work life/balance and the job was working in the city travelling a minimum of 1hr15mins each way.  I was sick of the travel before the pandemic and working from home made me realise that travelling that long each day is too long to commute.

So I was working as an assistant accountant/bookkeeper with an annual wage of $59,148 and an hourly rate of $32.50.  But I guess if you look at the travel time included the daily amount earned for the day of 7 hours was $227.50 (before tax), but add in 2.5 hours it took to get to the job and get home and the hourly rate dropped down to $23.95.  It just did not seem worth it anymore.... but we'll see what financial position I am this time next year, and whether I got it right or got it wrong!

My work was fine about it.  They dropped a few hints that perhaps they thought I was crazy to leave secure employment, but I am looking forward to some personal growth (along with a shorter commute) and a different way of life, but they gave me a lovely send off of lunch one day and a lovely morning tea the next - it was all very sweet and emotional because it was the end of an era.  Because I was there for so long I walked away with long service leave of 15 weeks pay and holiday pay of 8 weeks pay, so this is a nice financial cushion to tide me over until I get my next role.

I worked out that I need to transfer $3k per month to contribute towards our bills and spending money, so we now have 5 months left.  So far we haven't been spending too much and have been living pretty comfortably, which makes me happy that we should be ok for a little while.

Because I had not had holidays since 2019 and was pretty run-down DH ordered me to take a rest of 2 weeks, just apply for a couple of jobs each day and mainly relax, which I've been doing.  I have been applying for jobs, and have been catching up on emails and bills with the bookkeeping business which got left to the wayside when I got really rundown, but have also been watching movies and going for little drives, and we are going away camping next weekend which is exciting.

I am hoping to commute up to about 45 minutes each way but have agreed with DH that if I get to 3 months without a job I will apply for city jobs again.  Last week I got a call about a city job and got an email interested in me working for them however it was also inner city, so we will see if I have to bite the bullet and go back to long commutes!

But next week will mark my third week out of a job so my new schedule will start... I have created a schedule to give myself structure and avoid falling into the trap of laziness, working towards getting a job for half of the day (currently am thinking of allocating the morning but if I get interviews in the afternoon then I will swap it around), and building up my bookkeeping business for the other half of the day.  I now have 2 clients - one who I have had for a long time (and have a lot of catching up to do to bring him up to date - both of our faults!) and one from my previous boss, as he doesn't want to do the bookkeeping work (he is a high-ranking accountant so this is not a good use of his time and I am grateful though; this work is up-to-date and will take about half an hour a day).

I have been following your blogs (and commenting occasionally), and now that I have more time available look forward to blogging more regularly and speaking with you all more regularly!

Wednesday 24 February

February 24th, 2021 at 06:48 am

Hi everyone,

I read your blog entries all the time but it seems that whenever I am busy blogging goes out the window.  So rather than talking about the last nearly two months, it might be easier to just share a daily snapshot from today of the things I have been doing (in the same fashion as MonkeyMama has been doing).

Today I worked from home as I only go into the office 2 days a week and work from home the other 3 days.  (My boss has said that he is happy for us to continue in this fashion indefinitely rather than constantly have to adjust whenever there is a lockdown).  Because I worked from home it has been a NSD.

While it has been a NSD, I did pay a couple of bills - council rates (probably the same thing as property taxes in the US) for the amount of $489 (this is quarterly) and registration for one of DH's motorbike for the amount of $134.20.  While paying the bills I realised that there wouldn't be a loan payment for DH's bike anymore as we paid it out last week so transferred $500 over to savings for our caravan.

We bought a caravan a month ago, which is currently getting made but finance does not start until we collect it so I decided to use the money we would normally spend on a motorbike loan repayment to put it towards the deposit.  The larger our deposit when we get it, the smaller the loan because while we have been approved for the full amount we can borrow less if we can contribute a cash portion.  We were going to get a caravan in our 50s but fast tracked it a few years because DH is struggling to set it up.  We are planning on keeping the caravan for a very long time and know that we will get a lot of use out of it.

The other thing that happened today is that DH resigned from his current job as he has landed a job with a company he was previously working for.  He took a $10k paycut last year after being made redundant so this job is paying $5k more, bringing it to $5k less than what he was making pre-pandemic.  He knows what this company he is going to is like and was comfortable there before, so he is looking forward to settling in there and being there for a long time.  Luckily his current job took the resignation well and were happy that he gave them a full month's notice when he has only been there 9 months.

Glad to see you're all well and it has been so interesting reading about people getting the Covid vaccines because ours have only started this week.  As I am an adult under 50 without underlying health conditions, I am in the fourth group of our population listed to receive it, so probably won't get it until July to September this year (that's what the government website advises).

I Got A New Car!

July 23rd, 2020 at 07:24 am

In these uncertain times, buying a new car is probably not advised, however we have been saving for a long time and planning for a long time. It just so happened to take place during a recession.

I have had my old car for 15 years and while it was running fine, I knew a little while ago that I would want something smaller and had my eye on a Volkswagen Golf, and a specific model at that, with certain requirements.

It turned out that the things I wanted were going to only be put into cars at the very top of the range from 2018 onwards and we did not see the need to spend that much money. Therefore we decided to get the model we wanted at the price we wanted.

The car I got is a 2016 model and it is a little hatch with a slightly larger engine size and is very zippy! It drives like a dream and has all of the mod cons which I am finding exciting to have. (Of course as I keep my cars for around 15 years they won't be mod cons for long!!)

We paid $7000 cash and had to get a loan for the remaining $20000. Because I got the renovations loan last year I could not get the loan in my name so we had to get it in B's name. Oh, the headaches involved in getting that loan!!

It took 3 weeks to get the loan, because we decided to get a secured loan. The secured loan interest rate was much lower however if we knew of all of the requirements for information and the fact that the bank dictates what you can buy with the money, we never would have opted for a secured loan. It was an absolute nightmare. I thought getting a secured loan was like years ago when I got one and you basically got the loan, and provided the car registration certificate and they listed it against the contract, but no this was not the case at all.

We were very lucky that the seller of the car was not in a hurry to sell and could see that I really wanted it so was happy to wait.

The loan is for 5 years and repayments are $428 per month. We were already saving $270 each month so this is a bit higher but not too bad for us.

We also sold my old car straight away because B simply mentioned we were selling it to someone he works with and they instantly said they will buy it because they want a safe car for their daughter and they know how well we treat cars. In fact, we dropped the car off the day before our second lockdown.

I am so so so happy with the car though!!! Now that the dust has settled, and I have got over the very busy few weeks this process has involved, I am enjoying it so much and am so happy!!!

We tinted the windows and I am hoping to get some nice wheels for it if there is enough received from my tax return. It looks gorgeous.

Hello, It’s Been A While!

April 11th, 2020 at 08:23 am

Well where have the months gone? It’s been forever since I’ve blogged and now I can see that my blog is now retired - it says the last entry is December 2018 however I know I did do a couple of entries last year but I think they got wiped when the site got hacked. Anyway I miss you guys and I have been lurking, just haven’t got around to actually doing a blog entry. Who could’ve ever pictured what is going on with the world right now? It’s insane.

I’m currently working from home and now it is going okay, I have some sort of a routine where I’m pretty much just trying to stick to the exact hours I work when I’m at work.

So what’s been going on in the last nine months? I went down to working four days a week and I’m still doing it - I have been doing a course which I’m still in the middle of doing, am halfway through it however only have a few months to go so might possibly need to extend it or really put a lot of energy into getting as much done as I can. This was all for the aim of starting my own business doing bookkeeping which I still want to do and have been putting a bit of energy into it. So far I have a laptop, one client but I’m not really trading yet because I’m still learning - I will wait until I finish my course before I decide to start a website.

So that’s what’s been going on with work - at home we have had a lot of problems with our dog and our cat in the last few months. They are both little old ladies however our dog who was going blind had to have an eye removed just before Christmas which was all pretty horrible and then we decided to have our cat fully checked out and it turned out that her kidney disease became really advanced and she had blood in her urine which means that over 70% of her kidneys have been lost. Unfortunately we had to make the decision to put her down, at the start of March. It was so hard saying goodbye to her but we were able to have the vet come to the house and she was able to be euthanised in her favourite spot in the garden surrounded by us. We miss her so much but it was the best thing to do so that she would not pass away in pain. Last week we found out that our dog has an ulcer in her good eye and it was very touch and go but by Thursday the vet said that she was over the worst stage but it will still take a month to heal and we are not sure if she can keep the eye. The ulcer is very serious and she requires medicine every four hours so I am lucky to be able to work from home to be able to do this. All the same though we decided that if they say that she has to have the eye removed as she is now 17 we won’t put her through that and so we may possibly put her down instead... it’s so hard being without the cat and think that we may not have the dog either is heartbreaking but she shouldn’t be in pain so like the cat we have to do the best thing for her.. hopefully it doesn’t come to that though as she seems to be recovering well.

Financially we are ok. The credit card debt is higher than before (mainly due to lots of vet bills and travel expenses due to our upcoming trip) but we are trying to control it. I always find though that when I am blogging and talking to you all I am much better with managing debt and savings as you all keep me accountable 😊.

In terms of savings we have $5750 towards my next car plus around $3000 in shares. Due to market volatility we have lost around $1000-$1500 but as we won’t be selling anytime soon hopefully it will all come back up. Anyway it’s good to have a bit of money available in the event it’s needed.

In December last year we booked flights to go to the UK to visit a family friend for a few weeks in July this year. As Coronavirus was starting to turn bad I had it in the back of my mind that it might not be safe to go this year and now it’s clear we can’t go so tonight I bit the bullet and filled an online flight cancellation form with my travel provider. We have decided that we will go at pretty much the same time next year if everything is ok.

Glad to be back blogging and looking forward to trying to stay accountable with you guys!

Spending, Holiday Plans & No More Physio!

December 13th, 2018 at 09:30 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.

****

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.

****

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!!

Payday Tweaking Done

December 2nd, 2018 at 09:01 am

I have so many financial things to write about I could blog daily for a month but free time is minimal (especially leading up to Christmas) so I'll just stick to one of our larger financial matters.

Probably one of the biggest things we've been dealing with lately is adjusting to both being paid monthly on the same day and re-tweaking the budget. In DH's last job he got paid monthly at the end of the month while I get paid monthly in the middle of the month. It kind of meant that we could set aside an amount for bills and withdraw weekly our spending money without worrying if we had overspent really because there was always another pay coming in in the next fortnight.

Then when he changed jobs in May the payday changed to the middle of the month. It was fine in the beginning because we had a little bit of extra money to fall back on, and then I had the broken collarbone so we weren't really overspending because we weren't going out much and we knew what we had was going to doctors and hospitals etc.

By August and September though the extra money had been spent and we were starting to go out more so we actually started running out of money because the buffer we had got used up. In the month of September we actually ran out of money within the first two weeks so the remaining two weeks were not fun at all! It was then that I decided that our current budgeting system had to be tweaked especially as it looked like we were going to run short in our bills account which is a big no-no for me.

We have two bank accounts that barely get used so I decided that we would have the set monthly amount for mortgage and bills left in the bills account and whatever money is left over to be spent on things we both agree on, repaid on credit cards if needed and the remaining money to be divided by four or five weeks (whichever is relevant for that month) and transferred into one of the bank accounts we don't use. The other bank account we don't use is now used as a holding account for short term purchases we want to make (example: the month of October we put $1000 in for our Perth spending money and $400 for the back tyre we were replacing on the Harley).

This updated method has definitely reduced my stress levels as I know what we can spend weekly and there's less likelihood of running out of money. Because we overspent for a few months the credit cards also have balances which we are repaying but I am saving that for another post.

Holiday At Start Of November

November 21st, 2018 at 06:47 am

Wow it's been a while since I've blogged! I don't completely remember what happened in September but we celebrated our 8 year wedding anniversary last month by going out on a motorbike ride to a nice lunch and then visiting wineries, which was definitely a treat!

At the start of this month we went on a short holiday to Perth, which is two states away, to visit one of DH's old friends who only just moved back to Australia, to spend time with him and meet his family. We had a great time socialising, eating out, visiting wineries in their Swan Valley region and sightseeing in Perth and along their coastal region. It was great to see his friend and his family were lovely, his partner was great to get along with and 2yo son was super cute.

Flights were $1000 for the two of us and we spent $1460 for the period 6-11 Nov (5 days) - as well as eating out and drinks, we hired a car which was $467 in total. We saved $1000 spending money last month and the flights are all repaid, everything is now repaid in full. It was a great trip.

That was the first week of November done pretty well Smile. Perth is three hours ahead of us and amazingly we had worse jet lag than coming back from Thailand, which is an eight hour flight away! Thailand is four hours behind us so maybe that has something to do with it.. all I know is I wasn't getting sleepy until 1.30am because that was 10.30pm Perth time! It took until the middle of last week until we were back to normal. Well worth it though Smile.

New Car Savings, Murphy Strikes Again

August 3rd, 2018 at 07:46 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 28: Back to Work, Big Spending Items

July 26th, 2018 at 07:59 am

Week 28 saw me back at work except for Thursday morning when I had the appointment with the cardiologist. He didn't think my heart problem was too major and thought that my friend's suggestion that it could be linked to thyroid issues (in my case the adrenal glands) was valid so ordered a thyroid test as well as getting me to wear a heart monitor for 24hrs next month. There was no charge for that appointment as it was bulk billed.

The collarbone got better as the week went on and not much was needed in the way of painkillers by the end.

Tuesday was our 19 year anniversary so went out for dinner to celebrate, which was nice. We also went out to lunch on Saturday and to dinner on Sunday night with friends who were visiting.

On Saturday we had two really big spending items (as well as my operation lol) in the way of the security doors I wanted ($1500) and the exhaust B wanted for his Harley ($600). The security doors were a quote which was about to expire and the exhaust was only one of 7 held in Australia (after that they would have to be ordered from overseas which takes a couple of months for this shop); so both were things that we wanted to order asap. Note also that these amounts are 50% deposits with the balance due in about 3 weeks for the doors, the end of the week for the Harley. With these purchases we can expect to live pretty quietly in the next few weeks as they are taking up the bulk of our money until payday in the middle of next month. We both believe they're worth it though.

Ps I see Shiela posting her blog as Week 29, I'm probably a week out? I'm not too bothered though because I'm trying to report what happens weekly and stay accountable, to me that's the most important thing.

Week 27: Surgery Successful, Other Health Problems Now

July 19th, 2018 at 10:13 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 😊.