Pay week this week and we are behind in our savings from where I wanted to be...but that is okay...all bills for the month will be paid today...except groceries and gas...our rent is paid up till the 20th when we are suppose to move out by...not sure what will happen as we have nowhere to go yet....so the money we would normally pay in rent this month will just sit in the bank for the next house....the savings we do have will go towards the move and then I can get serious again about saving/menu planning...im hoping that we can save enough for a deposit in the next 12 months...going to be hard but you have so many fees involved thats the hard bit...will need a minimum $40,000 we are thinking....wish us luck...probably won't make it to that amount but its a goal to work towards.

well back to looking at houses

Watching the news today and it said the EU was basically not allowing the covid vaccine to be delivered to australia...considering we have already paid over 123 million dollars and have received nothing it gets a bit frustrating...so I say until they do the other countries can take care of our patriots until we can get it and it is safe for people to return....it is frustrating we do everything right...but if people pay for something then they had better deliver...or return the money and we will go elsewhere....we have no community cases in australia which is great...but we have fought hard to be this way unlike the US where people just travel...walk around like it is nothing...continuing to party etc....very frustrating...I know many try to do the right thing...but if you shut your borders to the world for a month...and put the country on lockdown for a month only going out for essential services then things would change over there....dramatically...give people $2000 so they can buy groceries for a month and you would see numbers drop....thats what we did and it worked...people just have to stop whinging and get with what works and not worry about their "rights" being taken away...such BS...anyways enough of a rant....I just think we should get what we paid for!! 

Well hubby got an unexpected small pay raise in his pay this month and when we looked it up his federal taxes has dropped by around $80pm....we didn't expect this and just wondering if this happened to everyone or should we raise it higher so we don't owe taxes etc....not sure how the system orks over there. 

We are still looking for a house...waiting to hear back from some...working on the yard....moving stuff into storage (mainly from the shed)...got a mini skip in to get rid of the rubbish...so we are getting there...hubby slowly packing up his stuff and I have started helping my daughter pack up her stuff...the stress is getting to her and with bipolar we need to watch her close so will her her do a lot of it and it won't be so bad...our lease runs out in 19 days😨 so hopefully we get a place soon....we were told by the real estate agent that they have usually between 50-120 people applying for each house as so many people are coming back from other countries to australia because of covid that there just isn't enough housing...so it is tough!!

Over the last month or so I have started to reassess pretty much my whole life in general...don't get me wrong I have a good life but some areas need an overhaul...and most will take awhile to do and the 2 main areas are health and finances. My health we have been working on for a few years and so much hasn't worked but maybe this new doctor will be able to help and I can get healthy enoough to work...even part time...thats my plan for the next couple years.

Financially I want to work on set goals over the years these will include things like

saving a deposit for a house

buying a house and paying it off

have 6 months of bills in my ice acct (more maybe)

save for retirement

Obviously I won't be working on these till we move and I can sit down and work out how long it is going to take and how much etc....but one I really want to get back on track in this area!!

The good thing is we have no debt...so any ideas or hints and tips would be great on the best way to do this...

Well we have been looking at huses and haven't got one yet, there are at least 50 plus people at all the opens and not enough housing to go around, many are from aussies who were living abroad and now the pandemic has hit has moved back to australia...so we have 2 weeks to move and nowhere to move to....fingers crossed we find something!

Haven't really been spending much money lately which is good but still haven't saved as much as I would like this month but have been buying a lot of packing boxes...half the house is packed, the shed is almost done and most of it has been put into storage till we buy a house....so just need to tidy up what is left in the shed, move all hubbys wood and a few things that need to go into storage and then we can start moving boxes into the garage and start cleaning so when we move a majority of it will be done. 

It's my birthday today but not doing anything but packing and sorting...never really do much...and its 106 here today so to hot to really want to do anything...thankfully the next week is a bit cooler.

I know that when we do get a house the move will be organised and cleaning wil get done...not sure if we will do the yard or pay someone to do it..depends on the weather and my energy levels....I have been doing quite a bit of it...but there are so many leaves all the time since we live under massive gum trees!!

Wish us luck and fingers crossed we get a house soon to move into

Have a few medical appointments this week and next...going to be expensive for us but we will cover it...also getting new tyres and wheel alignment so that will be another $780 on top of it...so going to be a busy expensive week...hopefully the rest of the month will be less expensive

Still looking for a rental..they are hard to get hre right now

I know people don't like what I have to say and that is okay!!

Australia (SA where I live) has hardly been in quarantine since april 2020...and I know so many family and friends in the US that sre trying to quarantine and complaining about it...I seriously try to be compassionate about what they are complaining about...but I just can't as someone with a chronic illness that is my life 24/7...many don't worry about what people with chronic illnesses go through and as I have told them eventually they will be living a "normal" life soon...we don't get that...so sorry if I don't show the same compassion as most but I also don't get compassion...I don't want people to feel sorry for us or anything just realise that our lives haven't changed much as it is our regular life and I'm sorry that yours is...end of rant!!

Payday today and I am taking out half of our grocery money, we haven't been using it all since we are trying to use up most of our stock so we can add a bit more to savings...its going to cost a bit to move..so hoping to have some savings afer that...

My hubby left his bank card in the atm over the weekend while trying to help an elderly lady next to him..he just forgot to get it from the machine...the bank called today and someone handed it in so he can just take his id and go pick it up....so happy I was hoping this would happen but you never know these days....still so many good honest people in the world...so that is one less thing to worry about.

We are going to look at a rental today and tomorrow...thinking we are all going to like both but tomorrows house has a big shed and my hubby and daughter like to build things...but it is 2 story and my hubby doesn't have a lot of energy since his cancer treatment so we will see...if not will keep looking...just want to be moved and settle...hoping the move doesn't cost to much...we can't do it ourselves with our lack of energy...we can't lift the furniture or we would.

We have been using what is in our pantry/fridge and freezer and have cut our food budget in half for now..which is great...when we move we will top up everything and then try to bring the food budget down more...food here is expensive but I know we can do better with it than we do!!

Its my birthday in a few weeks...probably won't do much but may have a bbq to use up some of the freezer stock 

Januarys bills are already paid and we are now putting everything into savings except that grocery and gas money that comes out fortnightly out of one of our pays...also decided to take out the birthday money this month as well...although we don't need till april and july...but its how I do it..Everything else is going good do have so many medical appoints this month which will cost out of pocket but hopefully will have that covered...as some are new I don't have exact figures to work with...so will just tweak as we go along

Day 2 od 2021 and hubby was doing the banking...was helping and elderly lady who was trying to use an atm...but they were both down...he told her she needed to go to another bank as she was almost in tears...and he forgot his card in his machine and now its gone...I transferred all money from that account to another one...no-one has tried to use it so we will go into the bank on monday and see if anyone has handed it in if not will cancel it and order a new one....we can use mine if we need to..other than that we have already paid our bills for the month...feeling good about our finances this year!!