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
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??
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..
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.
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
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...
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
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?
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
I hate the winter and this one has been cold and damp...my hubby has copd and has been battling bronchitis for 11 weeks everytime he stops the meds it comes back...he was feeling a bit off a couple days ago and I was going to the movies with my friend the kids call me and say they are calling an ambulance as he didn't look well and was shivering and couldn't stop...so I leave my friend at the movies and by the time I get home they were loading him in the ambulance...after a few hours and tests they found out he had pnemonia so was hospitalised for a couple days with heavy antibiotics...he came home today and is doing much better but still on meds...its times like this that I am lucky in our country we have socialised medicine and it didn't cost us anything...except the meds when he cam home which was around $30...
We are pretty lucky here the movie theatre returned my money as I didnt actualy get to see any of the movie...my hubby has a disability parking permit so parking didn't cost anything....it things like this that pop up that I really want to get my ice account back up to where it was...working on it but it is a process
my friend leaves in 3 weeks it has gone way to fast but also looking forward to getting back into a rountine...I can't wait to get back into menu planning and getting my budget back on track
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