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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!

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!!

Payday Tweaking Done

December 2nd, 2018 at 01:01 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 20th, 2018 at 10:47 pm

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 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 28: Back to Work, Big Spending Items

July 26th, 2018 at 12:59 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 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 😊.

Three Year Blogoversary

December 6th, 2017 at 11:36 am

It's been forever since I've posted up a blog entry but as yesterday was my three year blogoversary (I think due to American time differences it could possibly be showing as today???) I thought it would be nice to put up an entry.

The last three months since my last post have flown by. This year we've had some personal stuff going on which has taken up most of my brain space (so I have kept up financially and have been lurking but haven't had the energy to do much more), but we have entered into the world of marriage counselling and I think it's been really helpful. I won't divulge what is going on but I will say that marriage counselling for certain situations is money well spent (and where we are going is not very expensive either which is good).

I haven't felt like I've wanted to discuss with family and friends what is going on but needed to speak to someone, and having a trained professional speak to both myself and my husband to tell us what we are both doing wrong and how to fix these things is really helpful. It's helped our communication skills and hopefully will bring us closer together, and strengthen our bond (which over the years has slowly weakened and we probably grew apart slowly until something happened which brought it all to a head).

Creditcardfree yesterday talking about her anxiety made me want to share a little also.

Financially, the spa has been repaid in full - we received our tax refunds in November so paid the outstanding amount on my credit card.

The Thailand holiday is now happening (we go away in March) and I now have booking confirmations and details of where to pay (it's my friend's travel agent). Payment is due in full 10 January 2018 so we have been paying instalments towards that.

We just bought my husband a Harley Davidson... A bit of midlife crisis here perhaps! Actually his current bike loan will be repaid next year and this has been his dream for a while, and the type he wanted is not common so we snapped it up. He said he wouldn't buy unless I could go riding with him too, and as I didn't mind, he bought it. We've been doing things like going for rides out to dinner and coffee and stuff, so it's been good. (Financially not so much but it's nice that we can afford it!)

So where we are compared to three years ago is very different. Three years ago my husband was injured and not working and money was very dire. 2015 was then spent rebuilding.

This year financial matters have not been at the forefront of our thoughts, other things have been going on. Another day I will look at progress at the goals on the sidebar.

I am hoping to slowly return back to normal, which for me is sharing my financial thoughts with my lovely SA family!

September Bills Month Compared to Same Time Last Year

September 11th, 2017 at 01:36 pm

Last year I wrote about how we have a large amount of bills in the month of September and how high they are, and resolved to average out the annual expenditure and pay a set monthly amount from then on.

Well, it's a year on and we have been putting aside the averaged amount each month for mortgage and bills, which has definitely eased financial worries.

September 2017 is no different for bills though and exceeds our monthly amount we set aside by $878.53. We have no bills in October really though, so can easily make it up next month.

Last year in September bills exceeded the monthly amount by $1043, this year September bills exceed the month amount by $878.53. Our gas and electricity bills are lower than last year by $150 in total, so that represents the majority of the change.

I'm not sure that I need to recalculate the totals after all - as in work out all the bills for the period October 2016 to September 2017 and work out a new averaged amount as it is roughly the same as last year.

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In other financial news, my car got serviced yesterday for the first time in a couple of years and cost $290 in total - $140 for the service, and $150 for new back brakes.