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Archive for December, 2018

my first saving mistake

December 31st, 2018 at 09:32 am

Well last year they sold our house and we got new owners and new landlords...and everything has been good...well I was sick and trying to get the bills paid etc before christmas...I stupidly pay our water bill to the old account and not the new one...didn't know till we got an email saying it was late and I went back and checked it...well I made the mistake so paid the account in full to the new owners and have to wait till the 6th jan to contact the other group to get our money back...hopefully won't take to long...

It was my fault but a costly mistake...now to get it rectified...so savings down a little have now rectified and deleted the old people from my account which I thought we had already done...my bad...just need to do better

excited for first pay 2019

December 30th, 2018 at 11:05 pm

So this week is pay week to say that I am excited is beyond belief....I love payday to see everything being paid and savings grow a little each month but this year I have some set goals that I want to achieve and I am looking forward to starting them this week..I know it may sound silly to some...but it's the little things in life that make me happy.

So here is wishing everyone a great..safe and prosperous new years...may all your goals be achievable

2018 Financial Wins and Fails

December 28th, 2018 at 01:10 am

2018 was a hard year healthwise...which added to our financial burden. Our goals were pretty basic for this year...we wanted to stay debt free, not add any more debt at all and to start saving for a house deposit.

WINS
we have no debt
we used the cc once but paid it off in full within 2 weeks
we updated a few things but paid in cash

FAILS
we ended up with no savings due to all the specialists we had to pay for this year...so our $5000 savings plan was a complete failure

our ice account is on 3/4 where we want it to be so $600 short there

Overall we are happy with this year...started off with no debt ended up with no debt...would love some savings but have moved that to 2019....now to stay on track in 2019 and achieve those goals

Can't wait to see how everyone else faired with their budgets this year

christmas

December 26th, 2018 at 05:26 am

Christmas has come and gone and our cc is in tact (not used) and we have some savings and all bills are paid in full so none to pay till next year...we have plenty of food in the fridge/freezer and pantry...so ending this year on a good not and next year will be all about my health and savings...had a rough year healthwise but so grateful that we have what we have and that I have a supportive family to help me through it...hope everyone has a very merry christmas and a safe and prosperous new year

helping family

December 24th, 2018 at 08:26 am

I took over my moms finances 20 months ago...she lives on a pension and is raising a teenager ( was 11 at the time) had a bunch sof appliances that broke and had to "rent to buy", never had savings as things always came up etc...we talked and set up a budget for her and I paid her bills online and she took cash for her groceries/chiro/fone.

This november she was completely debt free, she has her christmas shopping done (bought her great grandson a laptop ready for high school) and she has savings...we have written out next years budget and changed a few things and she said this is the first year she hasn't really stressed about things in a long time...so I am happy that not only have we been able to help our situation but also my moms and what is better is that she is use to living on limited money and wants to stay that way so she can build up some savings....she says she hasn't really missed out on anything either....so happy that next year will be a positive year for her as well....does anyone else help their family this way?

ready for 2019

December 22nd, 2018 at 05:10 am

Rewrote my budget out today, so I could change and add our car account we opened in so we are looking at putting in a monthly "car" payment into the account and will hopefully save around $5000 next year towards a car...cars are expensive here so probably won't buy for a couple years and our car is fine right now.

Going to really try and stick to our budget next year which means we should hopefully save around $20,000 towards a home deposit but I have put $15,000 in my goals just to be realistic. We need approx $30,000 for a house deposit ($20,000 is just fees) but we want to save more so we can do solar panels and whatever changes we want to do to a house when we buy it...so will probably around 2 years before we buy now...longer than what we want but next year I am really focusing on my health so I can go back to work at least part time...but only time will tell. Also added in christmas, birthdays and paying for my friend to come visit us from the US early next year...so excited for that...

I am feeling positive about next year already

Day 2

December 18th, 2018 at 05:15 am

Well I have really been thinking of our finances lately and what we can do better in 2019...both hubby and I have had a crap year healthwise which wiped out our savings and we have to add in extra health things for next year but we do that now we should be able to write up goals and stick to them and reach the goals we set.

I'm not one that makes resolutions but I do set goals and make them achievable...also looking at things we can do while my friend is over here from the states for 3 months...we are so excited has been far to long since we have seen each other.

only spent around $12 today for onions and lemons today...so have saved money on the grocery budget.

Our oldest is house sitting for friends of hers to look after their dogs...she will make some great money from it and add to her savings...I am proud to say that everything I have learnt about finances over the years to get to the point we are in we have taught our girls one is great and the other not so much but she makes her own money and pays her own bills but I think for her it is her ADD it can make her impulsive...but the oldest is great at budgeting and I'm so glad that she has learnt from our mistakes

day 1

December 17th, 2018 at 11:44 am

Thought I might try to blog more often...not that I have an exciting life but why not...hubby and I celebrated our 29th wedding anniversary yesterday...very low key we have both been down sick and we always do thing for and with each other so to us each day is special.

Had my last doc visit for the year she gave me a form that gives me 5 neuro physiotherapist visits for half price (some do it for free mine doesn't) but I will take it...

finished most of our christmas food shopping today so all we need to get now is the fresh stuff christmas eve..

starting to feel a bit more positive this week last week was pretty bad but its a new week...a new perspective

bills paid for the year

December 13th, 2018 at 07:57 am

All our bills are paid for the year except groceries and gas and one more lot of rent...but the money is in the bank for all of these plus extra for our christmas food shopping. Our next lot of rent is due right after new year and since pays can be messed up over the holidays the money is in the account just in case.

We have 1 more pay before the end of the year so that will be going into savings so we can have a little savings to start the new year with been a rough year but we have managed to get through without any debt added, the CC is paid off (we used once) and we have a little savings...so feeling pretty good...only have a couple weeks left of this year so hopefully it stays good

doc is happy

December 6th, 2018 at 04:13 am

My NPT (neuro physio therapist) is happy with how I am doing even though it has only been 3 weeks I have made great progress so I am hoping it continues...its hot today 103 degrees so not doing much today...except taking it easy I don't cope with heat right now...which sucks as I really love summer.

Have to rejig the budget as we have decided that my hubby will also see the NPT as well starting Jan...so have to factor that in as well...

Have opened up another account to start saving for another car...wwe don't need one but a few years from now we might so will start saving now or if this one needs repairs etc it will be covered.

Also have envelopes ready for next year for christmas etc...so we are almost ready for next year

final month of year

December 3rd, 2018 at 07:34 am

Well its december, we are debt free, our ice account is back to $2000 but we have no savings at the moment but thats ok..we still have a couple of pays before the end of the year...I do have to give my daughter some money for christmas (what she wants) she has other gifts...and I have my specialist tomorrow so have that to pay for..but everything else is done for the year so we are where I wanted to be...next year we will start to save and stay on track going to be better than what this year has been.

Think over the holidays I might do some research on investing in shares it interests me and looking at starting for extra income as well over the next few years....does anyone invest or know some good books to read etc?