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pay week

April 3rd, 2020 at 12:42 am

This month is looking good...We did have an added expense of a new mattress (spare) for $249...but other than that have only spent on gas and food...gas is down to .88c a litre here (which is .26 gallon) which is super cheap for us. we have plenty of food so other than fresh things we really don't need to go out. We rarely eat takeout so that hasn't really affected us.

Money wise our budget looks good, the CC will be paid off (again) then we won't be using it and I am hoping this month to get $1000 back into our ice acct, car acct and house acct...we have been wiped out several times in the last 12 months due to a lot of unforseen circumstances but it looks like we may have turned the corner and can start getting back on track with our savings...fingers crossed!!

Posted in Budgeting | 0 Comments »

moved my ice money

March 11th, 2020 at 12:46 am

I have decided to move the money we had in our ice to our CC to me it made more sense it is still available to us if needed..and we save interest on the CC when it is completely paid off next month we will get the ice acct back up again...it just sounds better to me right now and I like to save money when we can

Posted in Budgeting | 0 Comments »

do you use a gym?

March 9th, 2020 at 02:51 am

Do people actually use gyms?

We are lucky that we live in the hills and they are beautiful so I use these to get a lot of exercise (when I can) the hills are like a treadmill going to different levels and we see so much wildlife...at home I have a dvd and a pedal bike thing that we use on our arms and legs...I think that covers a lot of exercises that you can get at a gym..and its free..so money saving, get great fresh air..I'm just wondering if people use gyms anymore?

Posted in Budgeting | 6 Comments »

saving a few dollars

February 19th, 2020 at 06:12 am

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.

Posted in Budgeting | 0 Comments »

family and budgets

February 17th, 2020 at 12:47 am

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??

Posted in Budgeting | 4 Comments »

another payday

January 9th, 2020 at 03:13 pm

Another payday today...it usually covers groceries and gas with $300 left to either put on the CC or ice account...not sure which yet..but will decide tomorrow...to sick today to do much...although it was over 100 here today we have a cool change suppose to be in tomorrow...can't open the house though all the smoke that is in the air..and my hubby and daughter being asthmatics...they can't breathe...its from the KI fires..

Other than that my daughter and I went and did the grocery shopping today...so much easier when we menu plan which I have started again this month...

Posted in Budgeting | 0 Comments »

over 2019

November 25th, 2019 at 02:40 am

Well I am over this year...I really wanted to start 2020 with no debt but we will still have half the CC to pay off next year...which means I have to rewrite my budget...so I have decided to write the rest of this year off...no more tracking my budget...will pay what we can on the CC and just be happy with that...

I'm not going to give up we will still stick to what we normally would on the budget bill wise...I have my christmas shopping done just have money to get out...but just a bit disappointed that I won't have it paid off!!

Posted in Budgeting | 2 Comments »

Planning for 2020

November 13th, 2019 at 05:38 am

I am hoping that we will be debt free by the end of the year..that means we can save for a newer car and then a house deposit next year...I didn't reach my goals for this year but going to do a blog next year on saving for a house and car...maybe a $10,000 blog and $20,000 for a house...does anyone else do this to help them stay on track and be accountable?...I know everyone here are in different places with their debts and finances but does blogging make you stay more accountable??

Although I am going to go through next years budget in the next few days to see if this achievable

Posted in Budgeting | 3 Comments »

Planning for 2020

November 13th, 2019 at 05:38 am

I am hoping that we will be debt free by the end of the year..that means we can save for a newer car and then a house deposit next year...I didn't reach my goals for this year but going to do a blog next year on saving for a house and car...maybe a $10,000 blog and $20,000 for a house...does anyone else do this to help them stay on track and be accountable?...I know everyone here are in different places with their debts and finances but does blogging make you stay more accountable??

Although I am going to go through next years budget in the next few days to see if this achievable

Posted in Budgeting | 0 Comments »

Planning for 2020

November 13th, 2019 at 05:38 am

I am hoping that we will be debt free by the end of the year..that means we can save for a newer car and then a house deposit next year...I didn't reach my goals for this year but going to do a blog next year on saving for a house and car...maybe a $10,000 blog and $20,000 for a house...does anyone else do this to help them stay on track and be accountable?...I know everyone here are in different places with their debts and finances but does blogging make you stay more accountable??

Although I am going to go through next years budget in the next few days to see if this achievable

Posted in Budgeting | 0 Comments »

redid budget

March 29th, 2019 at 05:39 am

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

Posted in Budgeting | 1 Comments »

pay week

March 19th, 2019 at 05:45 am

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

Posted in Budgeting | 2 Comments »

expensive week

March 17th, 2019 at 11:06 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

Posted in Budgeting | 2 Comments »

more into savings

March 7th, 2019 at 07:49 am

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

Posted in Budgeting | 1 Comments »

wedding is done

March 5th, 2019 at 01:53 am

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

Posted in Budgeting | 2 Comments »

busy hot week

March 1st, 2019 at 02:29 am

Well we are in the middle of helping my step son move..its not going well we are all down sick and injured (which we all have anyways but this is just making it worse) and its been over 105 each day and will be for next couple of days...so its not helping

we also had to go over and do my moms internet (as she has no idea) so each night we are not getting home till 8-9pm and so we have been having take away...which we don't enjoy we prefer to cook..so it hasnt been settling well

We had to take dog to emergency vet as he was pooping blood and in pain...but lucky it was only an intestinal bug and he is much better after being on meds but an added expense.

so hopefully today we can finish getting everything moved for my step son...I need to do my neices budget and set up some of her banking for her today...we still have a wedding to get ready for on monday so hopefully we will get some rest and feel better or my health will really deterioriate again and I dont or want that

next week is pay week so my goals for this month are to get my ice account back to $2000 (currently $89), to pay off a majority of our CC owe around $2500 plus...and to save some money....might not reach these goals but hoping to make a big dent if nothing else

Posted in Budgeting | 3 Comments »