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we have a house

August 18th, 2019 at 04:28 am

We have a house to move into...it is costing us more a lot more in rent but the girls being adults will pay the difference as they needed more space so happy to pay. So come wednesday we wil have the packers here to pack up our stuff so next few days will be continuing to sort through and pack things.

I have been selling a few things and have made an extra $280 which we will use for the move, we also have to hire a truck to move our shed stuff ourselves (long story due to mold issue we need to clean etc first. We have a gardener organised and we will clean the house and carpets ourselves. have to call tomorrow to get all utilities turned on and then internet so might be off for a week or so...depending how long it takes them.

Cant wait for a fresh start and to get bac to a routine

extra money

August 14th, 2019 at 08:57 pm

This week has been pretty good for extra money, we got our money back from the bed $1500 put away for when we move, $12 back from the store for returned goods and $900 back from our sons bond (still owes us $900)we put this on the CC and we are also waiting for another $47 for returned goods. Also received one of our ins claims back our portion $350 was put into savings the rest went to our daughter.

So hopefully we can get moved and still have a little savings but things are looking up...lets hope for some more small wins

we can finally move

August 8th, 2019 at 11:25 pm

Well not sure if anyone remembers (why would you) but we have been having issues with flooding and mould since may...we have had so much rain the last week and now the other side of the room is wet and my daughter has lost more stuff...I was so pissed off (sorry for using those words) but I am beyond frustrated...we have tried everything to help the landlord out but to no avail...so today I emailed her and said that they have until today to get me an answer on what is happening with the fixing of the room and mould. They called about an hour later as they wanted to take pics of the new water damage and she said "the owner said you can leave anytime just give us a date when" then asked if we had looked at any other houses...I said only one that they had for rent that we looked at yeterday but we didn't think they would give it to us....they both just looked at me...so we are currently looking at houses to rent...not easy with 4 adults...starting to pack up the house and go through things so we can donate or sell that we no longer use or can fit in the new house...so now we have to cost out movers etc to see how expensive it is going to be...and our rent will be much more expensive...so have to factor everything in...puts us behind on saving for a deposit on our own house but we will get there $30,000 is a big deposit to save...but we will get there...

Cant wait for a new start!!

exhausted but financially doing better

August 4th, 2019 at 10:06 pm

So we have had many workmen out to give quotes on the work that needs to be done...one guy that looked at the back room (flooded and has mould) I told him and the landlord today that they won't be doing any work in that room until our daughter stuff is out of there...he said when will that be I said when we move unless they are paying for storage...cause Im not....we will see what happens when she tells the owner that...but im not having mould spores all over my daughters things cause they decide to take piece of wall down and carpet up..

I have started to declutter and packing up boxes of things I know we don't need out...as I have limited energy it pays to start early...hubby is not liking this at all as he is a pack rat and I am a minamilist...but we ARE getting rid of stuff he doesnt have a choice.

It was payday this week so I have managed to get my ice acct back to $2000, have replaced the money I "borrowed" from my car acct so that is back to where it should be...we have had to buy some boxes (a lot) so that has been an added expense but should be able to put $300 back into savings as well...so something going right....although we are looking for another house to rent...they are so expensive

it rains then it pours

July 31st, 2019 at 03:27 am

We have had issues with flooding in our shed and back room since may and it is bad with all the rain we have had....we have continually asked the landlord to get it fixed as my daughter uses it as a bedroom...they fixed part of the roof but there is mold everywhere and she currently cant use it...he finally come from interstate to assess everything and decide what he needed to do...we have asked if we can leave our lease early (we have 9 weeks left) the owner said no and that our daughter can stay in the house which we have no room...so tomorrow we are going to be calling the govt housing and see what options we have...as we just want to be gone now..its been never ending and we are just over it all and it is affecting our health...so I am taking the time to start packing and go thru everything and declutter and maybe even sell some stuff...I guess we have 9 weeks to get it done and move house..lets see what happens...hopefully it wont cost to much to move

Do you ever want to give up??

July 29th, 2019 at 01:37 am


Thats how the last few weeks have been here, the weather has been cold wet and windy...we have had flooding and mould for last 3 months..which we are working on with the owner (live in another state)..so will hopefully get it done sooner rather than later....but that is a long story in itself.

I hurt myself exercising...messed up my neck and made my dizziness so much worse so haven't been able to do much which also cost us more in doc appts...my budget is in shambles and I just want to give up!!

But this week is pay week and hopefully things will start to improve and we can get back on track...we all know without a good budget and planning things will only get worse...

one good point is we are menu planning so keeping on track with the food budget....how do others stay on track when things feel so out of control??

taxes done

July 25th, 2019 at 12:31 am

I hate the cold wet winter that we are having..it depresses me not being able to grow as much fresh vegetables as we normally do...which also saves us money...still deciding what to pay this week..as we are trying to get accts caught up to where we were...plus pay off my hubbys bed...but its a bigger payday next week so will will update the budget then...

On the upside we finally got taxes done and they have been processed...although they will send through the mail..dont know why they have our acct details so will be a couple months before we actually get them done and finished.

down injured

July 20th, 2019 at 11:52 pm

Last week I injured myself exercising...not really injured but while exercising I have undone most of the months of work that I had done on my neck...I have a dizziness illness and was doing well until I exercised (knew it was bad for you LOL)...so I have been housebound and bed bound since then...bonus havent spent any money other than bedding for my hubbys new bed...but angry that I am months behind from where I was...onwards and upwards.

budget on track

July 12th, 2019 at 01:54 am

I sat down today and sorted out the budget it will take a little to get bak on track but we are getting there...by end of year I should be able to get everything done other than my savings....but I have done next years budget and that looks good...going to see what we can do to save more money this year...hope everyone has a great weekend..its cold..wet and windy here

friend left..new budget..new ?

July 7th, 2019 at 11:42 pm

Well my friend left today...it feels weird not having her here since she has been here for 3 months...but we are all exhausted as we had to be at the airport at 4.30am and it was cold (winter here) and we couldn't sleep when we got home...so I cleaned the entire house..

Now I need to get stuck into the budget and get us back on track, I have menu planned so we will only get what we need each week, we took our cans in (we get 10c per can/bottle) and made $48.30 so I took that and all my coins from home and put into our savings account ($109.70)...so extra money for not doing much.

now just need to figure out the best ways to save as much as we can in the shortest amount of time...

I do have a question...I want to get my ice acct to $2000 which shouldn't take to long (after we pay off the bed) then raise it to $10000 eventually...would people pay off their credit card first or just add to the ice acct and pay on the CC at the same time??

new bill $4200

July 5th, 2019 at 04:01 am

My hubby has severe reflus so sleeps in a recliner...we have tried everything but docs cant find anything that works...so I decided the other day that we would get him a bed...everyone deserves to sleep in one and we got a good one which cost $4200...we need to pay it off but the expense is worth it..

throws our budget out completely so this monday when our house guest leaves I will be sitting down and redoing the budget AGAIN and try to get us back on track.

I paid extra on the phone this month by mistake so next month wont need to pay as much...everything else is paid and up to date...paid for 4 of us to go to the movies today...our last hooray before our friend leaves..

I have money in the bank!!

July 1st, 2019 at 07:29 am

Ok well not much but some is better than none right?

We only have 6 days before my friend leaves can't believe it is that soon...I have my menu plan done...need to rejig the budget when the friend leaves...have resent in our taxes (hopefully they get these ones)

It is pay week and we have money in the bank in our accounts...still have to move some around between our accounts...but will wait till everything is back to normal...and then can update where our accounts are at...but so good to have some money back in the bank.

also thinking if we have enough money in our car and savings accounts that we will buy a car at the end of this year instaed of december 2020...but won't know that till closer to end of year.

saving money tips

June 21st, 2019 at 10:52 pm

So I have just rejigged my budget for when our house guest leaves in early july 8th)...I have also have our menu plan done ready to go the day she leaves so we can get back on track and hopefully save some money in that area....my hubby and I have our mad money that we get each month which we can do what we want with it...and I have 2 tins that I put money in each month for when the kids move out they have cash in their pockets to do their firt big shop etc..or whatever they need it for (only started this year)...we make our own washing powder and cleaning solution....in summer we grow a lot of own vegies...what other hings do people do to save money?
We do compare elec/gas/ins etc when they are due...just wondering what else everyone does that I might be able to consider...we live in aust

getting ready for july

June 21st, 2019 at 01:26 am

Well our house guest leaves in 16 days...so starting the 8th july will work hard to get back on track..they leave on the 8th and we have 2 days after that before payday so in that time we will get our menu plan done for a couple of weeks so can get our food budget back on track (have been so bad with just 1 extra person), hopefully we will use less gas as we won't be driving as much...all bills are paid on time so that is fine but really have to start hitting our goals hard over next couple months which are
1. get ICE account up to $2000
2. pay off the CC again
3.get car account back to where it was
4. start saving for a house

so thats what I will be doing for a couple days after our house guest leaves...looking forward to it..although the weather here is cold and wet so no incentive to go out when we don't have to...

US taxes SUCK!!!

June 18th, 2019 at 08:52 pm

We have been trying to get all of our US taxes sorted..which has been a nightmare and still not sorted..a slight rundown....my hubby ex military and gets SS as well...so we need to do taxes every year which has never been an issue...well in august 2018 last year I got a letter saying that I needed a new ITIN I sent everything they asked for and go a letter in late oct 2018 saying they needed more info...which I sent to them in early nov (a week later) we are still yet to hear from them...have tried calling get no answer...we sent our taxes in mid feb 2019 with a letter stating that we were still waiting on my ITIN but had filled out all the tax forms...we kept looking online still nothing showed up...we finally got a hold of someone in Texas and they said that they couldn't find that anything has been received yet...so to resend in...so now our taxes are late...hubby has to file singl as I don't have a current number and we instead of a small return we now owe ove $2000 plus late fees and penalty fees none of which is our fault...living over here we can't upload and do online we have to send it in via mail...this is so frustrating...all they say is going into an office...a little hard when your in a different country and there are none here...so tonight will be sitting up late trying to see if we can get some more info...so freakin frustrating...especially with hubby still sick with pnemonia


June 17th, 2019 at 06:53 pm

I have put a few comments on here and I get emails to say that people have commented on my posts but nothing ever shows up that have been on my posts or that I have posted...is this happening to anyone else? or does anyone know how to fix it?

CC payment

June 17th, 2019 at 05:30 am

Have paid $550 off the CC this month...slowly but surely getting it down...

Everything is moving along slowly with our accounts will speed up in july when our house guest leaves and I can get back on track with everything...

It's getting real picked up flight tickets today only have 20 days before she leaves...it has gone way to fast...trying not to spend extra money this month but we will see what happens...hard when you have visitors and ones you won't see again for years

But making more progress this month than I thought we would...so happy