Home > Archive: December, 2023

Archive for December, 2023

bad news and getting ready for 2024

December 31st, 2023 at 01:58 am

Well the bad news friend who has health issues and lives with her sister and BIL was found at the end of her bed unconscious...she was taken to the ER and is in icu but they haven't figured out what has happened to her yet..she is moving around but not conscious or following hopefully fingers crossed she will pull through not the way anyone wants to end the year. This has brought my anxiety on big time so not having a great day.

The 2024 budget is up and running and since we got paid early then I have been able to start it, the budget will be tight this year as we want to get everything paid off this year so probably no savings but to be completely debt free will be fine. We have done our menu plan for the month and already done the january monthly shop as we were paid early so we will only need to get things likefruit/veg/milk/bread each week or as needed. 

I am unlike you all where I can write what we have paid off and saved as we just aren't there yet to where we do that but will get there. But I am feeling very positive for 2024 and I want to wish you all a happy and prosperous new years...and yes it news year here tonight 😀

Many everyone dreams and goals come true

Murphys thrown one last thing to us before christmas

December 18th, 2023 at 06:29 am

Well don't know how many have seen australias weather but half is burning and in heatwaves and the other is flooding...yes our weather is going crazy this year....well we are the ones with flooding....not major but enough to where our back room got flooded and we had to pull everything out and all our daughters furniture has to be chucked out...we do have a plumber coming out tomorrow to have a look and we have put in an insurance claim so its just a waiting game now...not what we need this close to christmas but that is life...lets hope it is an easy fix and can be done beofre next year.

Christmas on credit??

December 13th, 2023 at 11:06 pm

I was at the store the other day when I overheard a couple of women talking and one said "I just finished paying off the CC from last christmas and now maxing it out again for this christmas"..her friend said "we are doing the's a yearly ritual for us" 

I have never put christmas on credit I either have a seperate account to put the money in (we put it away monthly) and there is alao an option here for a 5 month layby (layaway) for christmas (all toy related including game consoles etc) from one of the major retailers just pay it off over that time and pick it up right before I don't understand the concept of paying off gifts over an entire the interest you pay on the others do this for christmas?? or do u just pay for christmas as you pick up things??

Is there a way??

December 12th, 2023 at 02:01 am

Is there a way to work out how much tax we would probably owe (US) it is only federal taxes...just not sure where to find it...any help would appreciate it

taxes and social security

December 11th, 2023 at 01:00 am

Well I am hoping next year that we have an easier time with our taxes and social security then we did last year...we will owe again...we did ask that extra money be taken out of our pay but it doesn't look like they did it....and we never got a letter from social security saying what we will get paid this year and we never get one at end of that is going to be hard to figure out how to get this done...but we will figure it out and get them done at the beginning of the year next year!! Wish me luck

ready for 2024

December 6th, 2023 at 01:16 am

Well it is only 26 days goodness this year has just flown by!!

Christmas is done, I only have some fresh foods to get closer to the day but that is all...its summer here so we have a lot of salads and fruit etc on xmas makes it easier...but all gifts are done.

We no longer have our storage unit we have emptied it and handed it saving $330 starting next month, that is going straight to savings...will still treat it as a bill. we got all our rubbish collected...honestly planned on 2 mini $500 each....but everything fitted into one so that was $500 we didn't need to spend....we still have 2 paydays left this month and I do still need to pay a couple bills but that will be done by end of year...which means I should have a bit extra to put on the CC which means a little less we need to pay next year!

Budget for 2024 is done and I am feeling positive about 2024!!