Well changed how we are going to budget since finding out about my hubbys cancer, going to get $5000 in our ice acct then save to update our car its a 2005 and starting to show its age...but have the money there just in case and then start saving for a house which we are hoping to be able to buy in next 18 months...the fees are a killer over here which you need up front..around $20000-$30000 dollars just for the fees and then the deposit as well...make it so hard for people to buy over here...but we will get there...if we can find something that we really like
Archive for February, 2020
Hubby had his scan yesterday..it cost $200 so not a great expense and worth it to not have to wait another 6 weeks..we get results next friday and hopefully a treatment plan...parking was free so no cost there. If he has to have daily treatments at the hosp he gets free parking as he has a disability sticker..so that will help...not sure what other kind of expenses we will be looking at so have decided against paying off the CC completely and just adding to our ice accout for now till we get a few more thousand in that account...all bills are paid on time etc...and the CC is our only debt so right now i think this is what is best for us...not looking forward to the next year or so...but just want to get it started and finished so we can continue on with life
Well good news today, my biospy came back normal no cancer present just sun damage which is great news..especially since my hubby has just been diagnosed with cancer...he has a scan tomorrow to see if it has spread or not and then find out next week treatment options etc...so that will be around $200-400 not sure till tomorrow...not looking forward to that but at the same time just want to start getting treatment started and knocking the cancer on its butt!!
Hubby got his new bed in today...it is comfy and I am hoping he sleeps better now...he has been sleeping in a recliner and doesn't mind it...but Im sure this is more comfortable
we had extra money left over from the food budget so we bought some extra things that were on sale to use it up and that we use all the time..have been doing really well with not eating out at all..
I have chosen to cut a few things from our budget that have just come up (we pay most things annually) and that is our extra garbage can..we don't use it all that often so have cancelled it...so will save $145 for the year...also our chemist (your drug store) we get discount when we buy from them but not sure if we will continue with that it depends if they have one product i am looking for but is expensive if they do we will continue...if not we won't renew and will save $64 for the year.
next friday we should have the grading and treatment that my hubby should be getting for his cancer, I was going to pay off the CC next month but we only have $2000 in our ice account so I have decided to pay $500 a month onto the CC and put the rest into our ice account until we hit a few more thousand as we don't know what our expenses will be in the coming months...it seems good to me we won't be paying much interest on the CC and our savings will grow. If we don't have a lot of expenses then we can put the extra on the CC and get it paid off
What are others thoughts on this??
I am ususally the one person in the family that people come to when they need help financially...not money wise just budget wise and helping make phone calls etc...they know I won't lend them money. i always tell them you can't borrow your way out of debt you just need to work on it...I will sit down and write them out a budget after we figure out all their debts/income etc...it is time consuming but worth it if they stick to it.
One of my nieces uses a place that pays their bills for them and gives them an allowance, it cost them over $100 a month...I tell them they are wasting their money..and if they wanted to they could pay me the money instead..they won't..her sister is the one I am currently trying to help..she asked whether or not I should just pay her bills for her and she could pay me (Im like you have debt you can't afford to pay anyone) but that way she wouldn't have to worry about it...I sid no she needs to worry about it..if she isn't willing to put in the hard work on paying down her debt and building her savings then her habits won't change and she will always have debt..she said never thought of it that way...so will be slow going with her while we get things sorted out for her but hopefully she will be better off...her sister on the other hand and her hubby are always spending what they have...because someone else deals with their money they are not learning any lessons...what are your thoughts on this am I right/wrong or both??
We don't celebrate valentines day I have always seen it as a waste of money we do things like that all year long so don't worry about it..and with the fires this year can only imagine how expensive flowers are going to be for those buying them...however my hubby has always bought our girls since they were born a rose on valentines day...its their tradition with him...we got some about a week ago on sale and put them in the fridge...they are still as fresh as the day we bought them and it was a fraction of the price..so a savings!
Do others on here celebrate valentines day? Do you go all out or just something simple or just treat like another day??
happy valentines day to everyone...may you be spoilt by love everyday of the year and not just valentines day
had to spend big bucks today (or big enough) we went to see someone about my hubbys foot, he no longer has padding on the bottom of his feet and makes it difficult to walk..so they did some tests and some moulds of his feet and are making him custom supports for his shoes, we also bought a new pair of shoes that has a deeper insole for the new supports so today was a $750 day of spending..we put it on the CC as I want to keep extra money around for the cancer scans etc...so hopefully not to many more big expenses while we still try to save up our ice acct
We still have 6 months left on this lease and then we were going to move closer to our old neighbourhood where all our docs are (about 1/2 hr from here) and where everything I use is pretty much walking distance..I love to walk.
After researching for a bit. yes we would save more in rent and gas but to get the packers in to move everything is so expensive, we can no longer do it ourselves so need them to do it, also with my hubby going to be in treatment for his cancer not something he probably needs, so we have decided that we will stay here for the next 18 months and then hopefully buy a house...it figures out about the same...not that I want to be here that long but I think it is the best for now..I just hate how much rent we pay...honestly I wish we could buy houses as easily as you guys can and with the same deposits...would make our lives so much easier
had my biopsy today on my face should get results next week (thurs) and get my stitch out and hopefully its nothing to worry about..
was able to put an extra $300 into the car acct so that is nice. other than that everything else is going well and no money spent!!
Well this week is going to be busy with doctors, I have a regular doctors appt, I need to have blood tests, my hubby needs to see a foot doctor (the pads on his feet have dissolved) and then I have to have a biopsy on my face...and thats just this week.
Lucky for us we live in a country where our govt pays for most of our medical services...or we would be living in a tent somewhere...so thankful for that
Not big news but made another $150 payment to the CC, every little bit counts right..I am hoping to have it paid off again next month...all going well
Well we saw the urologist today not great news it is a 9 which means he has an aggressive cancer we are booked in later in the month for a cat scan to see if it has spread then see him a eek later for treatment options...so we will see what happens, we are staying optomistic and hoping for the best but we will deal with what is dealt to us...so by end of month we will have a plan on treatment...the scan will cost us $200 but we were not waiting the 8 weeks to get it for free!!
his bed should be in the next 2 weeks so hopefully no delays there...been good at not spending money this week other than groceries and gas.
My first goal was to get our ice account back to $2000, I have achieved this month already next step is to pay off the dredded credit card which we can hopefully do by march!!
I love pay weeks, have managed to pay just about all our bills for the month, other than groceries and gas which we take out every fortnight in cash the first which will be this thursday
So far this month we have managed to put money into our
ice account 1799 (should reach the $2000 by end of month)
Our goal is to work on the ice acct to $2000 then the car to $15000 then a house deposit...
we are thinking about moving in august when this lease is up back closer to where we were it is much cheaper and with only 3 of us living here we don't need such a big house and the yard upkeep around here is horrendous...we will just see what is available when the time comes and then decide.
So far this years budget is going well but we find out thursday what treatment my hubby will need then we will work on any costs involved with the budget
I do all of my moms online banking and her budget each year...it works well for her as it takes the stress out of her going out to pay bills etc and it is easy for me. She is currently living with 2 of her grandaughters and their kids (they have 1 each) one moved in with her a year ago and her finances were horrible I got her on track and set it up with her paying all her bills and getting rid of debt...she stuck with it until a few months ago when she stopped doing her budget and now doesnt have her bills paid off like she should have. Well my other neices finance so I found out yesterday is a shambles..a complete shambles, she has no idea what she is doing, so she is my next project and she is willing to learn and do what I need her to so after I write up my moms budget then we will be writing up hers and i have her gathering information now...this is going to take some time and not what I need on top of what is going on with my hubby but its family and you help them right...especially if they ask for your help and are willing to do what you need them to..wish me luck
Wow can you believe it is feb already...time flies.
The weather here has been crazy drought, week over 110 and busgfires now it is cold and wet which is a nice relief but messing with my health.
Payday this week so have paid what bills are due and done the budget so far things look good..but its only the 2nd so we will see what happens. busy week with docs and tests this week, my doc has ordered some blood tests and scans...we also see the urologist and see where we go from here.
Only extra bills we had this month were the sheets for my hubbys bed and a log book for me to track my diet and sleep etc..
Jan was a bit of a bust getting any money saved because of the bed but we knew that so hopefully feb will be better...time to update my sidebar amounts.