I was talking to a morg person the other day as when we buy a house we want it paid off in 5-8 years...ad I asked so if we pay extra payments on the morg and something happens does that mean we don't have to pay it for a few months since we would be ahead...they are like no...you still have to make the monthly payment...I thougt that was kinda rough they do everything to make things hard over here for us...but will sure be looking around and making sure we find everything out in the next year or so....apparently they do this with all loans but since we haven't had a loan in a few years we just don't really pay attention..guess we had better start doing some research so we can get the best deal for us.
I love love love paydays...especially when my accounts are looking dismal...but I now have a budget I am sticking to and hope we can deal with the food costs by being a bit more creative.
We almost have our ice account half full and money back in our car account, all other bills are paid (monthly ones), I have paid a monthly amount to the car account...although we do have some catch up to do with that probably wont be till july/aug to get it back to where it should be
Any extra money will go onto the CC but not sure how much yet...that is 3rd on my list to work on but will make payments...its the only debt we have so as long as we are paying on it I am happy...
It's funny reading some of these posts where banks and CC companies reward you for using their products in Australia we don't get anything like that..wish we did it might make the banks work a little harder...they charge you and arm and leg for everything but never reward you with anything...for those in other countries how much do the rewards offered affect the way you think of banking? would you still use them if they didn't offer rewards? I find this interesting
I love payday...this month will be starting to get money back ito our accounts.
We had planned a couple day trip which I had planned on spending around $800...we have decided against that trip and going to just do some day trips around here which should save us some money..especially in gas it around $90 plus to fill up our car..so will take that out and put in an envelope when it is gone then we don't go anywhere else.
I will start getting money put back into our ice acct $2000 is where I want it to be once there I will then focus on getting the money back into the car account that we used...that shouldn't take to long then it will be paying off that dreaded CC again...after that it will be savings...that I am looking forward to.
The good thing is that the weather has been so cold and wet here that we really haven't been going out much so we haven't been spending money at all...except food...just enjoying having my friend here..spending time together....can't believe she leaves in 5 weeks...it is going way to fast
Well I couldn't sleep last night and I thik it was because of my budget swimming around in my head...it is driving me crazy to be so far off track ad I hate it so i sat down today and did my budget for the rest of this year and 2020...yep I am that organised and it is easy to do.
So I have put us on a budget to do a few things with my friend while she is still here, the cold weather here as made for lots of slow cooker recipies...as we get real tired by end of day...so we are trying to pull back on groceries...food is expensive over here especially in winter with vegetables..in summer we grow a lot of our own vegies...and we eat a bit of fruit which is also expensive in winter...
But I think we can get our ICE account to $2000 by end of year, $5000 in the car acct by end of year and some savings...I would like a couple thousand but won't hold my breathe right now
Next year if nothing major comes up we will be on track to having our house deposit, we will buy a good second hand car ad then in 2 years we will buy a house but 2021 will be saving for thigs like solar panels etc for our new house...so that is the plan...I feel more relaxed...it seems like a long time but 2020 is only just over 6 months away.
The rest of this year will be focused on my health and trying to get better and fitter now that I can leave the house a bit more....
I am absolutely loving having my best friend here visiting but it has devastated my budget...I hate that we have no money...ad with our election (and no I didn't vote for the liberals here) they have already raised several taxes and fines...I don't care about the fines if you do the wrong thing then you pay for it but the taxes will hurt so many people....and everything has gone up...gas/food/insurances/public transport etc....our state pays the highest elec in the world...its getting so hard for so many people.
I like to be organised so i am hoping that we can save some money next month we have a 3 day trip we are taking which should be our last big expense but we should be able to take a lot of food with us and save money and the second night we can stay at our nieces so we won't have to pay for that..so can save some extra money.
I really do stress when we owe money such as the CC and I just wanted it gone...but only 6 weeks to go and then we can get back on track and start our savings back up and our CC back down...so heres to great 6 weeks left of the visit and hopefully some money in the bank....never thought that an extra person would cost so much especially in food...but it really adds up....we can remember that for next time
My friend has now been here for 5 weeks and she is doing great even lost 8lbs....she says its all the good food she is eating here (we rarely eat packaged food)...so that is a bonus...food is still costing us a bit but we are coping...have bought the ticket home...so that is done...june we are going to day a trip for a couple of days will be expensive as will cost around $400-500 just in gas but I think it is worth it...
Have made no progress on the budget or savings but not really going to worry about that until they leave in july...then will get back to our goals...have been using the heater and dryer a lot more now so elec bill will be a bit higher but should have that covered
hope everyone is enjoyig their warmer weather so cold and wet here
Can't believe it is may already....my friend has been here 3 weeks already...time is flying by...but we are just enjoying chilling....some things I have learnt lately
Having extra people in a house is costly...even if it is only 1
Anything that can go wrong usually does all at the same time...yep had to replace another appliance.
Trying to stick to a budget is hard when you want to do things with people and gas keeps rising we pay over $80 just to fill our tank so day trips are getting expensive
I hate shopping and thats all my friend likes to do...so we take turns who takes her...I said she needs a budget while she is here she said no...my kids just looked at her like she was an alien...and said you don't have a budget...why? but she just spends what she makes...her choice....but not something we are use to.
We are behind where we want to be with our budget but all bills are paid on time and Im hoping to buy a plane ticket next week for her to go then we can get that out of the way and do some more trips that we want to do....and hopefully do it on a more cost effective way...
The weather has been cold and miserable here with so much rain which we need...but my body feels broken..with the cold and damp and hubby who has copd also has bronchitis again for the last 5 weeks...so havent wanted him to go anywhere as we also have a flu epidemic over here right now...if he gets that it will kill him....so we just chill out and hope nobody gets sick.....
Heres hoping we have a little bit of savings by end of month
Well we have done our taxes a couple of months ago which can be hard with all the changes and you live overseas but my itin number ran out last year and we have been trying to get a new one since sept 2018...still didn't have one when we sent in our taxes as we had to get them in but they still haven't been done and just got a letter in but not sure what they are talking about so will take a couple days and try figure it out over the weekend...
The food budget is just out of control...food here is expensive but just 1 extra person really adds to the amount and didn't realise how much...and they do buy some of their own food so will try to figure somthing out to better this before next week when it is payday
haven't done a lot yet...but going to plan things starting may when we have more money our accounts look really dismal right now...and I think it will be a hard couple months and will play catch up after july to get back to where we want to be but our bills are paid and our pantry has plenty in it so doing ok so far.
well I have decided not worry about the budget while my friend is here...as long as everythig is paid and we get to do a a few things then we will be happy..it is just to hard with everything going on so will figure it all out in july when they have gone back home...
Other than that we are just enjoying doing things together no day trips yet with hubbys b-day, easter, anzac day etc there has just been just to much going on...so will plan some things for may and june...the kids (adults) have also made plans to take her out for the day and do some free things and spend some 1:1 time with her...so should be great
Just need to try pace myself with my illness and the cold weather and vistors
well my friend has finally made it here...our food budget is way off track but we have had extra people over, a bbq for my hubbys b-day etc...but all bills are paid and we havent really done anything much yet except a little shopping which I bought nothing...so far so good have a few day trips planned but we have 3 months so going to spread them out...and its becoming cooler here as it is fall here...going to try real hard to stick to my budget while she is here so we will see what happens....whats great is my daughter is a cheapskate as well so she finds plenty of free things for them to go and do as well and they just pay for the train ride...parking in the city is expensive and horrible to drive in and the train is so much easier and cheaper.
On another note my hubby hit a small pole at the airport and dented the side of the car a bit...not going to bother fixing it...its an old car and not worth it with the deductible...to me a car is just a tool so Im not fussed and we want to get another one in the next 12-24 months...so will put the money towards that.
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
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....
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
Was frustrated this morning ove the budget completely going out of the window and being trashed....now after redoing it I don't feel as bad...still going to be behind where I wanted us to be...but can catch up..so this is what I am hoping
1. the money I took from the car acct (800) should be replaced in april as well as the normal monthly car payment (saving up for a car not actual payment to a company)
2. my ice acct I like to have 2000 so that should be fully funded to that BY mid may then wont add to that for awhile
3. want 2000 in bank for besties ticket home and things to do while she is here (2000) that should be fully funded by mid may.
4. the dreaded cc should be paid off by mid july..
we can then start saving again...we do have extra money suppose to be coming in from a couple of things (cc purchase that we didnt authorise) and money from his son that he owes us....but I didn't add them in as not sure 100% when we will get that money...if we do will go straight on the CC to get it paid off earlier...also have taxes coming in but its not a big amount (around 300) so told hubby he can have that to do whatever he wants for his b-day
So although our budget was completly trashed yesterday we can recover pretty well and get back on track...fingers crossed nothing else comes up
Well when it rains it pours...doing good on our budget and then murphy hit big time!!
First bought my bestie plane ticket over here but she was having trouble getting travel ins over there so was able to get it while she is over here which added an extra $800 to the plane ticket...I had budgeted $3000 for her whole trip and 1 ticket and ins cost me nearly $2600 so that has been blown out so need to save for her ticket home and while she is here.
Then mine and my hubbys cell phones have been real bad lately yes they ae both 6 years old so needed replacing...but due to my ill health and my hubby being retired they wouldn't let us add to a plan so had to buy out right which maxed out our CC and also had to use some of our car money...found out when the store went to put in my sim to my new phone that my battery was bowed and he said I was lucky that it hadnt exploded...but now we have phones that will last a long while
now today I am going to sit down AGAIN and see how to get everything back on track and get our accounts back on track....fingers crossed it won't take to long and nothing else comes up...I can find free things to do with my bestie for a few weeks...she is here for 3 months....I am so excited...but frustrated about the budget