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Planning for 2020

November 12th, 2019 at 09:38 pm

I am hoping that we will be debt free by the end of the year..that means we can save for a newer car and then a house deposit next year...I didn't reach my goals for this year but going to do a blog next year on saving for a house and car...maybe a $10,000 blog and $20,000 for a house...does anyone else do this to help them stay on track and be accountable?...I know everyone here are in different places with their debts and finances but does blogging make you stay more accountable??

Although I am going to go through next years budget in the next few days to see if this achievable

Planning for 2020

November 12th, 2019 at 09:38 pm

I am hoping that we will be debt free by the end of the year..that means we can save for a newer car and then a house deposit next year...I didn't reach my goals for this year but going to do a blog next year on saving for a house and car...maybe a $10,000 blog and $20,000 for a house...does anyone else do this to help them stay on track and be accountable?...I know everyone here are in different places with their debts and finances but does blogging make you stay more accountable??

Although I am going to go through next years budget in the next few days to see if this achievable

Planning for 2020

November 12th, 2019 at 09:38 pm

I am hoping that we will be debt free by the end of the year..that means we can save for a newer car and then a house deposit next year...I didn't reach my goals for this year but going to do a blog next year on saving for a house and car...maybe a $10,000 blog and $20,000 for a house...does anyone else do this to help them stay on track and be accountable?...I know everyone here are in different places with their debts and finances but does blogging make you stay more accountable??

Although I am going to go through next years budget in the next few days to see if this achievable

christmas shopping

November 6th, 2019 at 05:12 am

have done a bunch of my christmas shopping and stocking for our kids...also the people we are giving money to I have a few of those envelopes done so about two thirds done with christmas...still on budget and want to try and pay off CC by end of year...staying on track so far and feeling happy!! How are you all going with your christmas shopping and preparations??

payday

November 4th, 2019 at 12:00 am

Payday today...have all bills paid and have managed to put $2500 on the CC...half way to paying it off...hopefully by the end of the year!!

another win

October 29th, 2019 at 06:02 pm

My daughter has had a debt for a couple years that she has been paying off...one that we didn't think she owed but being a govt dept it has been an uphill battle...I got sick so we stopped fighting with them and she continued to pay them...yesterday I called them and stated a few facts and said we were going to fight it until we were satisfied...she said she had to make a few phone calls that was at 2pm yesterday...today they have credited her account with $1800 and written off her debt...that is one more hassle we dont have to deal with...my daughter is extremely happy....I am feeling accomplished this week...and it payday this week so more christmas shopping and payments to the credit card

tribunal finished

October 29th, 2019 at 03:13 am

Recieved our payment from the owners of the old house it was only $1000 but better than putting up with what we were...its now been put into savings for our house deposit.

Finally did some christmas shopping yesterday...used the CC but thats fine...it beats trying to go shopping closer to christmas...my illness just cant handle so much stimulation at once so will get done before it gets to busy...not doing a lot this year and the christmas budget just goes back on the CC...so all good.

Not much happening here doing good at neuro..dont need to see her again till the new year..so will save some money there.

cheap dog food

October 23rd, 2019 at 09:15 pm

The budget has been doing good and the the best thing is we don't have any stores near us (walking distance) so I need somone to drive me if I want to go...I hate asking so I don't...not that I buy much...had to pay for a prescription the other day, I have a bad chest infection and needed the meds but didn't have our card for free meds hubby did and I was with my daughter so just paid it...not worth going home to get.

Today I went to get our daughters dog his biscuits...he only eats one kind..and its over $30 for a 1.5 kilo bag..we are members and apparently get 15% off for this month...he asked if I wanted to use the discounts I'm like sure anything to save a dollar...it cost me 16cents for the purchase...couldnt believe it...so almost a free bag of dog food....happy with that...

Didnt make my neuro appointment as I was at the docs with my chest infection as I had trouble brathing and I have a biopsy next week on my face to make sure I don't have skin cancer...sun over here is brutal

tribunal today

October 14th, 2019 at 11:33 pm

Well I woke up feeling horrible today..I had a doc appointment and she said since the move I have pushed to to long and my illness is kicking my butt so I need to back off and rest more..and that I look like crap (her words) I love this doc she is to the point will go to the ends to help her patients and fights the system every chance she gets...she is awesome.

Then we had tribunal today for compensation...really wasn't feeling it but wanted to get it over and done with and be done with this company (housing)...the point of this claim was not really about money (although it did cost us a bit) but to get the owner to see who he really has working for him..they lie to him and us..and it was the only way to get his attn as we have no contact details for them...and they really are lovely people (owners)...and I wanted to just inconvenience the company...because they annoyed me so much...they came in and were disorganised, couldnt answer questions on dates and then stated the owner didnt know why we here today and was offering nothing...so the lady said they had wasted everyones time if they couldnt negotiate etc...then they were asked to leave while they spoke to us...if we didn't come to a settlement today then we would have to come back to a magistrate later...and I just want to focus on my health...the outcome was they have to pay us $1000 compensation, so we are happy...the owner isnt but hopefully now he can see what they are like even the company owner wasnt to happy with how disorganised they were....so we have some extra $s and are done with them for good...and they have 14 days to pay!!

74 days till x-mas

October 11th, 2019 at 04:54 pm

Almost the middle of october and I usually have a majority of my christmas shopping done and yet this year I have only have 2 gifts that I bought months ago...with the move and everything I am just not feeling it this year and I find it so hard to buy for the kids now...they are adults and anything they want or need they buy for themselves..so I'm just not feeling it...anyone else feeling it this year or have started their christmas shopping?

Whats the average that people spend at christmas? We only buy for our kids, my mom and her great grandson that she is raising (she has had him since birth) so it doesnt cost a lot although I tend to give our girls a good amount of money for whatever they want to get or do.

new dishwasher

October 10th, 2019 at 10:32 pm

When we moved into this house they had a dishwasher...we had one in our last house but sold it as they had one...well i never looked at the house before we moved and my hubby and daughter never looked in the dishwasher...well it doesnt wash well and it has rust marks...so we asked if we could buy one ourselves and replace and just change back when we move...so happy we will finally have a good one and will take so much pressure of my neck and shoulders...not an expense that we wanted but well worth it.

Starting to get some nicer weather here for a few days then back to rain...but getting a lot done so feeling accomplished...even though I am sore as hell...my body is hating on me right now...but will rest over the weekend as I get ready for our housing tribunal

not financial...but??

October 6th, 2019 at 01:20 am

Well it not financial but I just love how this place is coming together...slowly but surely...still have all the outside to do and a bunch of extra stuff the girls are going to sell...but my daughter and I keep saying each week while we live up here in the hills we had better see a koala in the trees...well...

my daughters dog kept barking this arvo...so hubby went to see what the matter was (he barks at most things) and he yells out its a koala...we had one sitting on our fence just looking at us...so I took some photos and a video of it on my fone...he was like 2 metres from us...he then after about 10 mins walked the fence then the clothes line...almost fell a couple times but he managed not to and now he has been asleep in a tree for a couple hours..its my first wild koala that I have seen up close and it was in our yard!!

update

October 5th, 2019 at 01:18 am

This week was pay week, got all bills paid, paid my daughter back, and got my ice account back towards it should be...should be back there by end of month...then will chuck extra at the CC to get rid of it.

Had a couple extra payments this week as my hubbys son ended up in hospital with suspected heart attack so we had his daughter for the night...he is home doing better but he also had to put his dog down due to old age and she was going downhill...so we had to pay for that..but other than that everything is on track.

yah october

October 1st, 2019 at 06:08 pm

We are finally getting some warmer weather, I love warm weather...love summer and being spring here everything is blooming..love it!

Its payday this week have revised our budget to get our 2 remaining debts paid off and work on getting our ice account back up...so will update after we pay everything later this week.

Still moving stuff from storage, should be done this week hopefully then we can save the $160 a month and put that where it is needed.

Being up in the hills really affects my ears which is making my dizziness worse lately..so still trying to adjust to that...but getting there..have been menu planning and that has been going well...hoping the rest of the year continues being great...feel so much better since we have moved

added food budget

April 9th, 2019 at 05:27 am

Well we went shopping today got some great deals on groceries but we did extra as our house guest will be here in 1 day...we are a bit excited...

so our monthly food budget is way over and we are having a birthday bbq dinner this weekend for my hubby so that will add to it but we have budgeted for the extra person

other than that things are on track and going well

CC coming down

April 4th, 2019 at 05:53 pm

Have managed to pay off $730 off the dreaded CC so it is coming down slowly...will take a few months and not happy that it is this high but sometimes you just have to use it...but making progress..

my first goal is to get our ice account back to $2000 then get $2000 into an account for when wmy friend is here...guess we need to buy her a ticket home LOL...she could live here forever but I think she would miss her family a bit....

then it will be onto the CC and then onto saving for a house....

murphy is laughing I'm sure

March 31st, 2019 at 05:21 pm

Well what a weekend we had....sat down and got my budget sorted after it just got so far out of whack...felt good about it...then we all came down sick...so hubby had to go to doc to be checked out (he has copd) and he has bronchitis...

Then my hubby goes to the bank to do some banking and the when he is done the car wouldn't start..so had to get a call out (free) but it cost us almost $200 for a new car battery and he picked up on something else that needs doing with the car which will be around another $400 so that is booked in for tomorrow.

Then my daughter was selling her older fone ($1000) as she just upgraded and the 2 guys that came to look at the phone run off with it...we tried to chase them in the car but they ran fast by the time we got into the car they were gone...pretty sure they live in the area (they are sudanese) we called the police gave a good description of them and their clothes, my daughter called and the got the phone where they won't be able to use it at all and I called our insurance to see if it was covered..and it was so my daughter only had to pay the $100 excess fee but will get the other $900 so although an ordeal it wasn't as bad as it could be...one thing I am good at is having good insurance "just in case" and those guys have a phone they can't use and the police have their description and the phone description and serial number etc...

So here is hoping this week is uneventful and we can just recoup and try to feel better