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Archive for March, 2019

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

redid budget

March 28th, 2019 at 10:39 pm

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

budget completly trashed

March 28th, 2019 at 06:11 pm

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

excited

March 23rd, 2019 at 06:00 pm

Well my friend should be heading over to Australia in the next 3 or so weeks (no exact dates yet) I can't wait...she will be here 3 months I have money set aside for her plane tickets and to do some things while she is here...she won't have any expenses other than her shopping she wants to do...I know how our food bill will go up but that we expected...same with gas as we will be doing more day trips but we can cover those...so excited right now...even though we are not where we wanted to be with the budget we are doing well.

only a couple months behind!!

March 19th, 2019 at 07:28 pm

Well I looked at our budget last night and I think we can be back to where we want to be in the next couple of months...albeit if nothing else happens.

So I was looking at our CC statement and noticed a $423 payment to a games online place...its not something we have done so had call and get it sorted so the company is working on it and we will hopefully get the money back and we have ordered a new card....we don't use it a lot but have lately but need to get it paid off again...and if we get some money back from his son who we lent money to for a bond and we get it back soon and then pay off the rest we should have it paid off in may...

As for the ice account we should have that back to where it needs to be in april...

so although we are behind a couple months we can catch up and start saving again and we just hope nothing else comes up...wish us luck

pay week

March 18th, 2019 at 10:45 pm

Well mini skip has been filled and picked up...backyard is looking great...picked up a few good half price sales at the store today which wasnt in our budget but stuff that we wanted to get and was on sale so why not..right?

Well I haven't tackled the budget yet but it is pay week so going to do that tomorrow and see how far off track we are and the best way to get my accounts back to where I want them...my first priority is get my ice account back to $2000 which isn't a lot but its a start...then it wil be to pay off the CC again...have done so well barely using it...so I am hoping to get it paid off in 3 months or sooner...

Still waiting for my friend to get her passport so I can buy her ticket over here...can't wait...but I have that money in a seperate account....wow this is depressing me so maybe I need to get my budget out now and work on it...see how I go

expensive week

March 17th, 2019 at 04:06 am

This week has been an expensive one, first we had our neuro physio appointments to pay for...then we had to get in a yard guy to do some work that we just don't have the energy for or tools (we had to trim trees etc) so $200 later our yards look great and now the new fence is up we can get back into the yards and start getting things back on track....today we had to order a mini skip to get rid of all the rubbish and old stuff that we are no longer using...we have to be wary of snakes in the yard and our animals and now they don't have as many hiding places...after that we shouldn't have anymore outlay for the yards for a while.

we have been over spending on food lately I'm sure the grocery prices have gone up again...so will have to keep a closer eye on prices of things.

This week I really need to go back through the budget and rejig it and get back on track...the last month has been tough and just gone off track on our budget but has been hard doing everything including 3 other family members budgets...but we will get there

new acct

March 10th, 2019 at 05:39 pm

Well opened up a new account so I can track my savings and also keep the money I have allocated to buying my friends tickets and while she is here doing the things we want to do...I have a budget and want to try to stick with it....can be hard...but I figure I will keep the account when she leaves and just add money into it for when we buy our house for the things we might want to do to the new house...so have a couple of years for that.

Been busy catching up with family since the wedding..so nice a couple of them stuck around for an extra week....and its much nicer weather so we have lots we want to try and get done around here while we can...have a few doc appts this week we need to pay for but will get a few dollars back but we have the money for that...so heres to another week..

more into savings

March 6th, 2019 at 11:49 pm

Able to add another $300 to savings today...I know that it will go down when I buy my friends plane ticket in the nex few weeks but its nice to keep adding to it for now....

Spent $95 today on groceries but other than that no spending...have started to get some of my chrstmas presents...so can start knocking those off the list...I like to shop all year for christmas..get some great deals

nothing else to do this week other than catch up with family and rest...next week have lots of expenses with doctors so need to rest up for that

wedding is done

March 4th, 2019 at 05:53 pm

Almost missed my brothers wedding as I was down with my illness from doing way to much lately...but I made it and it was beautiful and right on the beach the loud music and height (ceremony was outside on balcony) but my bro knew I hadnt been well and had chairs for us...so that made it easier...only cost $100 in a card...and a shirt for my hubby!

have my ice acct back to where it should be so have reached that goal, not sure about what Im going to do to pay it off have a few expenses coming up over the next few months when my friend is here...so will give myself a few days and then go over the budget...weather has been hot and I have been struggling so going to do nothing for a few days and rest up ready for my appt next week and just give my body the rest it needs...but have lots of family down that are staying for a few days so thought would try to catch up with them as well.

so far the budget is going well have a couple of paydays to go this month so will see what happens....now to add the CC to our debt list