<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Archive: January, 2019
 

Archive for January, 2019

accounts all have money

January 23rd, 2019 at 02:29 am

I know it's only the first month of the year but it's nice to see all of our accounts have money in them. It's a great to see that our goals are starting off...I know our savings will drop when we bought the tickets for our friend to come over to visit us...but everything else is looking good.

The weather here has been horrendous so have had the aircons and fans on a lot...its 113 here tomorrow...such a hot day its my b-day so just having pizza with a few family members but we are buying it not making it...its a splurge day but way to hot to cook or do anything else...but will hopefully get a good deal.

Ordered 4 blankets for winter...know its summer here but they are so thick and I know it will save us money in winter as we wont need the heaters as much and will last us a few years.

other than that we haven't been spending any money....feeling positive about this month...and the rest of the year

Top money saving tips

January 20th, 2019 at 08:03 pm

These are what I do try and save money

1. Have a written yearly budget, use what you know your base income is, also allow you to know best times to plan holidays etc

2. put money away in seperate accounts for annual bills, car, bills etc

3. always revise insurances etc before they become due for better deals

4. set an amount for groceries and gas and use cash each week - use only that amount, whatever is left over put in an envelope so you can buy things on sale etc.

5. menu plan and stick to the grocery list, this includes, dinas, breakfast, lunch and snacks.

6. Always turn electronics off at the wall when not in use.

7. if it cost over $100 use the 24hr think and then buy or forget about.

8. keep up with car/equipment maintenance to stay ahead of costly repairs.

9. have madmoney that is not accountable to anyone but yourself...you can spend on anything you like

10. use whatever rewards and coupons you can to save what you can

11. remind people that when you buy something cheap your not saving money unless you put the extra savings in the bank..its just a good deal

what do you do when your debt free

January 16th, 2019 at 07:18 pm

Just wondering what people do when they become debt free? I think there are different areas that people see as debt free from what I have seen some see that being consumer debt free (CC loans etc) but they still ahve a morg and then there is totally debt free where you have no debt at all. People may argue with this but it is just an observation.

We are debt free but are saving to buy a house and whe that happens we will pay it off asap to be debt free again....i'm just wondering what others have done when they have become debt free...

Boredom buying

January 13th, 2019 at 07:50 pm

I hate shopping...I mean really hate it...if I need to get something then I am get in get it and get out...but I have to admit I do occassionally online shop when I am bored...I don't just buy anything but I do buy what I am looking for...so yesterday I bought a dog stroller...I know what you are thinking...a freaking dog stroller...WHY!!!

Well my daughters dog has spent the last 13 months at home with me all day everyday...he gets seperation anxiety when I leave the house for to long...but he also loves walks...now that I am able to walk a little more I want to be able to take him when I go but he has little legs and gets tired easily so I can't take him...so I decided that he could walk and when he gets tired he can rest in the stroller (and yes it is made for dogs) then walk again and I can walk further and he can come with me...might sound silly to others but when you have chronic illness you do what you can to make life easier for yourself...but it was only $62 (includes sipping) and I come out of my madmoney so not out of our budget...so spent money but not to much....but I don't like to spend money either

bonus money

January 9th, 2019 at 07:45 pm

Got a surprise when I opened up our account today an extra $565...not a lot but every bit helps especially when it is unexpected. About 18 months ago there was a class action suit against neurofen (something I use often) about the way they mislead their consumers...I put my name on it...didn't hear back thought nothing more of it as it had been so long and then today it was sitting in my bank...so a nice chunk of change that I put into my ice account to get it back to where we want it to be...

got my money back

January 9th, 2019 at 01:29 am

In december I paid our water bill to the wrong company...the house we are renting was sold and we got new owners and when we transferred all data from my old computer to the new one the information came with it...so money went to the old company...I called them monday and the lady who does their accounting was rushed to hospital with for surgery but one of the ladies called me and got my bank info and put the money back into our account so that mistake has now been settled and was easy to get done...just a couple phone calls...so that went straight into savings again...so no more mistakes this year like this!!

coupons

January 7th, 2019 at 10:19 pm

I look at our grocery budget and we usually cook fairly healthy rarely eat take out (maybe once a month) and I was thinking that if I lived in places like the US that had coupons we could save so much more than what we do here...food is expensive here but damn I wish we could get coupons like other countries...what do others think..do you think coupons are worth it? I wouldn't go to extreme nad have a basement full of stuff or buy what we didn't really use much of...but I hink we would save I do love watching these shows on tv

milestone

January 7th, 2019 at 10:13 pm

last year was hard as we had a lot of medical tests that we had to pay for and I hardly ever left the house due to dizziness and I needed a babysitter 24/7...I hated it...I use to walk 50-60 miles a week which was impressive for me as I cfs and fibro...when I got this illness I couldn't walk to the end of the street.

although still dizzy I am improving and today I walked to the store and back to post a letter (around 2.5 miles) and I did it by myself..no help or anything...so feeling really positive about this year

I have also made our first car payment into our car account, first payment into our annual account but I do need to work on our ice account as it is low right now...but will get it where to we usually have it and hopefully can add to it this year as well.
I am going to update at the end of each month so hopefully they will all grow each month and by the end of the year will have some savings in them all

today only spent $6 (yes postage is expensive over here) but no other spending...although yesterday I did buy a tin to put my christmas money in for the year as I take it out monthly and hold seperately to buy gifts during the year..

ufmc

January 4th, 2019 at 07:20 pm

Hi...just wondering what the ufmc is that people are doing?

tickets are expensive

January 3rd, 2019 at 12:27 am

My friend is coming over from the US in feb for a 3 month visit...to say I am excited is beyond belief...and we are paying for the tickets...but they are getting so expensive due to the exchange rates...but worth the price...I am trying to stay on budget while she is here so we will see what happens so far everything with the budget is going well and all bills are paid and savings have started...can't wait till our next payday....

Australia and savings

January 1st, 2019 at 03:42 pm

One thing I have noticed on this website is that in Australia it is hard to be able to get any sort of credit unless you have a great income...if you don't work yu will never get a loan for a car/house or even a personal loan or CC....Our banks never offer any incentives to stay with them at all...so in a way I think it is a little easier to save and stay out of debt over here as we know we won't get all the credit you get in America....but in saying that it is so hard to save for a house over here as you need a minimum 3% so for a $300,000 home (which is a very basic home) you need $30,000 ($20,000 of which is fees) so that really sucks but I find it interesting the differences...what are your thoughts