Mumof2's Personal Finance Blog

had an eye appointment yesterday, was sure I would need glasses as my eyes have been really bad lately, only need them for reading but my eyesight has been blurry and my eyes real sore...so they run some tests on them..and it turns out that my eyes are really really dry...and the fat that is in my eyelids doent move around like it should because of that...so I have to put a warm heatpack on my eyes for 5 mins 3 times a day and put in a drop 3 times a day...started last night (done twice) and my eyes are already starting to feel a little better..but I didn't need new glasses so had no expenses for the appointment.

Went to my neuro physio yesterday as well changed up some exercises...cost me $105 but will get some of that back...not sure how much.

tommorrow is payday so can put some money away into our house account again!!

I think it looks like we will be going to buy a house around jan/feb 2022....if we have to move in feb 21 then we will end up with a 12 month lease...it is expensive to get out of a lease here so we will...just wait and keep saving for those 16 months...I'm sure that time will be here in no time...will also get more of a deposit so that will be nice

Was able to put another $2000 into our house account today due to some extra money...so it is getting there..

Also have done a bit more christmas shopping just to get it out of the way...also ordered a couple things for the house that we needed.

not much else to say hopefully next week (its pay week) I can put some money into our ice account!!

Well we still haven't heard about the taxes...so I'm thinking why bother doing them at all...sure we pay taxes and usually get a small refund but is it worth the hassle...we don't know if they even have them, we can't contact people over there...seriously how much trouble will we get in for not doing them..its only federal taxes and we will most likely save them money as they won't have to give us a refund...I'm kind of over the US tax system...I know they have been shut down and doing a lot...but we can't do it online we have to do it by mail...and we haven't heard in 6 months whether or not they have them...or if we have to resend them...it seems like a complete lack of professionalism on their part and to make it where you can't even enquire is just wrong...so maybe we just won't do them anymore!!

It is funny watching the news and see how rampant the virus is in other countries...our country freaks out at one state that was having several hundred cases a day..they went into lockdown...and now are averaging around 15 but still in lockdown a few things have changed but not many for most other states we have lived a normal life everything has been back to normal for months..we still sanatize everything and social distance...but not much else...we haven't had any cases for months...except the people returning to australia but they are taking off planes and taken to a covid hotel...where they have to quarantine for 14 days..if they test positive then they stay there until they test negative...they can' leave their rooms..food etc is delivered...so it doesn't spread...I know we have not many people have died compared to some countries like we have had in our country 894 people have died and 804 have been in one state...but mostly in people over 70 years old...
I hope every country gets control of this disease..and those that have the disease heal quickly and those that have lost people to this disease find some peace...

Can't believe it is october already...It was pay week this week and we have paid all bills and have money put into our home account...only need $35,462 now for our deposit..sounds like a lot but it is coming down each month...hoping to put some more in there during the month.

I did spend a bit on christmas gifts that I bought this week but that money will go back in december when my christmas money is available...

I have so many appointments coming up and already have them for nov/dec...this year is flying by fast...hope everyone is doing great know it has been a hard year for some.

I saw a lady whinging on a tv show about getting over covid...I'm so tired, I wake up so exhausted, I use to walk everywhere and now I can't...I just can't deal with this....I look at my hubby and we both start laughing...it sounds mean but this is our life everyday and has been for years...same with the pandemic it doesn't really change our life much due to my illness....I hate that I sound petty to some of you but when its with something you deal with all the time...you just can't sympathize with people who moan about how much their lives change because of the lockdown...who dont even get sick...its kind of nice for others to see how people with chronic illness live and what its like for them....enough said...i just hope anyone that has covid has a speedy reovery...I wouldn't wish it on anyone...

Well it is almost october and we still haven't heard about our taxes..they haven't been done...or they didn't receive them...who knows...we can't find out..before long it will be time to do them again and just wondering if the same thing will happen next year...just wish they would answer a phone or if there was someway we could find out if they had them...just want it done and dusted!!

My moms vaccuum stopped working about 7 months ago while she was living with family...they used it and then it wouldn't work...so old her we would look at it..so took it home blew it all out clean..took it apart and cleaned it...and ordered her a new brush as hers had new brstles..got it in today put it back together andit works perfectly...so her dyson was fixed for $35...so glad we don't have to replace the whole thing.

I have been rejigging my budget have done till july 2021 and it looks good hopefully nothing big comes up and we can stay on track.

grocery budget has been a little lower than normal which has been great and now we are getting all our summer fruits so we are happy...nothing like summer fruits...to munch on...

taking the heart halter back today see if they find anything have been doing relaxation exercises, jig saw puzzles and my budget to relax...so hopefully it works...hope everyone is having a good week...i just can't wait for our nice weather to come back and this wind/rain disappears

I have decided that this is how much I want to save in the next 18 months..for our house deposit..will be tight but that is our goal and something to work towards...hopefully we can do it...but we all need goals right!!

Had a good chat with my doctor...they are thinking that maybe a lotof my symptoms are stress and anxiety...not the dizziness but the rest of them...so they want to send me to a pyschologist who also does yoga...I will try anything at this point...it kind of make sense but since I don't feel stressed or anxious..then I just didn't think of it...and I'm not sure how to destress when I don't feel stressed so I'm hoping she will help...as I said I will try anything at this point...would be nice if that is all it is...

ordered a couple things for myself this week for relaxation mainly a bath pillow and a dvd for my daughter who has been doing so much...and the rest of the money I put into our ice acct...slowly getting it back up

Well we are ready for a new week...last week was a doozy!!

My dad passed away and was cremated on thursday...we have been dealing with it just fine...I knew he wasn't well or happy so glad that he can finally be at rest.

We have mom all moved and pretty settled she is still unpacking her boxes but she wanted to do that herself so she knows where everything is...she went and did a big shop so her pantry/fridge and freezer are all stocked..so can check that off the list...she is so happy that its just the 2 of them again...although they messed up the internet so need that sorted this week..

I have 3 appointments this week...hoping I can make them all as I have been so sick and dizzy that I haven't been able to do anything...

Ice acct has prett much been decimated so will work on that again

Thankyou everyone for your kind wishes on the passing of my dad...I am doing really well with it considering..he didn't want a funeral or memorial so we didn't bother to travel the 7 hours there...we talked to him the day before he died and to me I was ok with that being my goodbye to him...my oldest went to the beach that night and said her goodbyes..so we are all doing ok...we sent flowers to his wife..its weird he is being creamated on the same day we are moving my mom..that feels a bit strange...so all good on that front

We have everything ready to go for moms move tomorrow, I have everything set up have even done her grocery shopping so the only thing she will need to do is get stuff for her fridge and freezer later in the day or the next day and she will be set.

I ended up in the er on friday and then again on tuesday...they are not sure about the dizziness but they think the rest of my symptoms are being linked to anxiety and stress...so they think as nothing else shows up...but its weird I don't feel stressed or anxious..so trying out how to destress my mind and body when I don't actually feel that way and see if it helps..and they are still running some tests and want an mri...guess only time will tell.

Have spent a bit more oney lately buying my mom a few things...but still have a couple paydays this month so will put that into our ice acct and keep working on it from there...also have her budget done and written out so can knock that off the list..will start helping my neice in a week or so..with her budget...she is about to have another baby and is not great with money but she listens to me...so we will ee how she goes

Had a bbq yesterday for fathers day...I ended up so sick it was ridiculous hubby was ready to take back to the er...was only there a few days ago so I said wait...and I eventually got a little better...I almost forgot to call my dad as I was to sick..and I thought I should just do it tomorrow...but I ended up calling him..afterall it was fathers day and even though I was sick my gut just told me to do it...so I did he didn't sound well and hasn't since he had a couple strokes a few months back...but we all had a quick chat to him and then let him get off the phone...well we got a call late this morning he has had a heart attack and was heading to the hospital...then got a call that he had passed...so now I am sitting here so sad that we haven't been able to visit him due to the virus...and we will never see him again...but also so glad that I did listen to my gut and call him and got to speak with him on his last fathers day...In a way it was a relief..my dad was never sick and always active (he was 87) until his strokes which made it hard for him to do things and he hated not being able to move around much...so I know that he is happier and that he lived a full life..and that he will always be remembered and loved..not a way to start the week so hopefully the rest of the week gets better...its the first time we have had someone in our family die in 25 years I think we are all a bit unsure of what we should be doing...but one day at a time..right!

Well today is fathers day so we are having a small bbq witth hubby and his son just a quiet one since we are all recovering.

Monday I will start writing out my moms budget since she moves on thursday and it is easier for her to just open and follow what it says and it makes her not forget what needs to be paid (she is 81) I do most of it for her anyways but I like her to have control of her money as much as she can,,just easier for me to do it all online...once that is done..can relax and hope to be able to help them on thursday...right now I am not able to be left alone...which sucks..but thats life we will get through it...hope everyone else has a great fathers day

Put $1250 into our house acct so now up to $13,233

Had a few extra expenses with moms move so a little lower than I wanted but getting there

It has been a hell of a week..earlier in the week my hubbys son ended up in the er...all is okay and he went home later that day...then today I ended up in the ER again for the 2nd time in a month...they still can't figure out what is wrong so it is a work in progress.

We have everything set up for mom to move on thursday..she is so excited and friday she is getting her new furniture...I can't wait to get all her stuff out of my dining room...literally can't move in there but it is worth it..its all her new stuff and groceries..but everything else is done and ready to go.

One thing I have learnt, my moms small chest freezer broke so we were looking for a new one...no stores even had them on the floor as they have been sold out for months and dont know when they will get any..but they had a shipment that morning that was a surprise to them..and it was small chest freezer so we bought her one then and there and picked it up..its big enough for her...so happy to do it...but didn't even know we had a shortage on them.

Have paid all bills for the month haven't really done much with the ice/savings yet and didn't even do banking today as I ended up at the er so will get to that this weekend or next week...no hurry...but we are having a bbq for fathers day this weekend so need to rest up for that..

I know this has been a really weird year with all the covid stuff going on but I still find this year has been flying by and now its september...it is pay week this week and still deciding what I need to do..will probably help my mom out a bit, my daughter needs help paying for her course and I still need to get money back ito our ice acct...I just have been to busy to work on the budget right now...and now I have to work on my moms budget as well...and now we have to try and find someone to move my mom...usually we would do it but none of us are capable right now...but still have a week to figure it out...fingers crossed it goes smoothly!!

Such a beautiful spring day today...although its not spring till next week we have had such cold wet weather that it has been so nice to get outside, do some yardwork and just some fresh air...also took the dog for a walk and started to spring clean the house...feels so good...and finally feeling good after a few days of having to be in bed.

not much else happening its payday next week so looking forward to that...

On a positive note our koala is back in the back yard...love seeing him there!!

have been feeling pretty crappy lately since I ended up in hospital lots of dizziness and pain..but yesterday I went with my daughter and mom to buy mom some new furniture for her move in a couple weeks, I bought her a new bed base as she is on a limited income and I thought she deserved it...she has bought a new lounge suite and washer, and I have also bought some non perishable foods for her and we will do a bigger shop once she is moved but this just covers her when she moves in..she literally has a grocery store right across the road from her house..so that is handy...but yesterday I went down hill and my daughter had to take me home and then her and my mom finished up their shopping after that...now today my mom is dizzy...not sure why so hopefully she can get some answers..

On a good note it is spring soon so hopefully we will start having some warmer days and we can go out and get some sun...I hate winter...and next week is payday so looking forward to that...

Got a house for my mom to rent today...have been looking for 6 months and we finally got one today..so excited..so have been doing emails and paperwork all day to get things done..she doesn't move for 3 weeks but we have a date and everything pretty much ready to go so she will be packing up the rest of her stuff and we will move the money on monday (its friday here and late in the afternoon)..we are all so excited.

Been having bad days with with severe coughing and bad dizziness where I have needed help to walk again...hate it and not sure why its happening but guess we will figure it out and my head is still going numb...

other than that everything is going ok...ordered takeaway as it was cold and wet and hubby is exhausted as well so why not!! have a great weekend

Its payday tomorrow but going to transfer some money and do the shopping today since we have a few errands to run...that way we save on a trip and don't have to go out in public as much...although it isn't bad here it is still flu season and don't want to risk it.

Everything is still on track mostly with the budget yes I have to replace some money in the ice acct for things that we have had to replace/buy but that is fine..and grocery wise we are doing good still making most of our meals maybe having takeaway once a week which is a lot for us..but energy levels have been low but i try to make quick meals or slow cook meals...which makes it easier.

Still nothing from the irs on our taxes..don't even know if they have them or not..so frustrating..don't know wether to wait, send them again or what they keep saying wait for the last couple months...everytime we call them..but surely they should be catching up by now..I guess time will tell.

Going to start seeing if I can talk to a couple people about loan options even though we are not ready to buy now we would like to know what options are available to us

had my ultrasound today on my neck...it was hard as the way my neck was made my dizziness worse..but the technician was great he helped me sit up and held my shoulders till I was okay to stand by myself then walked me down the hallway...was super nice and he said that everything looked okay so that was nice to hear but will see if the doc says the same.

I feel better from being off the medicine...everyone said I should wait but I didn't and I am feeling better and that is better for me...was able to run some errands before my appt but then my legs started hurting so we came home....got most things done..our eldest is going down the hill tomorrow to do a few of her own errands so will do anything else we need...

Its payday this week so after taking gas and groceries still have to decide wether to replace the ice acct money or put it into our house acct

having my carotid ultrasound tomorrow afternoon...should be free which will be great...but have to pick up a few things while we are out...which my daughter plans on doing while I am having the ultrasound...she has put me under strict instructions..we went shopping today and I didn't do well and we were only gone 20 mins total...she does keep an eye on us...so thankful for all that she does for us.

I have decided to stop one of my medicines..I emailed my doc and told her that so she should get it when she goes into work tomorrow...the side effects have just gotten to bad and I already them this medicine has just exacerbated them more I am thinking...so will go off them and see what happens...hopefully will be better and she can find me another one to take with less side effects.

I have had to use our ice acct a bit so will replenish next month to get it back to where it was..
hope everyone has a great week

This weekend is all about getting back on track in every aspect of my life..especially health and finance

My first goal is to save enough to have a deposit on a house..it is hard paying rent and saving the fees that go along with the deposit (around $20,000) plus the deposit...but that is our goal and we are working towards it..I am hoping when we buy we can pay the house off in 7 years...(2nd goal) after that it will just be trying to put away as much money as possible for retirement...(goal 3)

I am hoping that my health improve to where I can at least work part time...I hate not working but constant dizziness etc I just can't which affects all areas of my life...so writing up a goals board for the finances and a monthly board for my health and we will see what happens.

Around nov/dec will start talking to people about our options when it comes to buying as we will have 3 adults in the house and our daughter wants kids in a couple years..so wants her own space as well and just need to know what options we have...and will find out our borrowing power and what deposit we will need

Went to the TIA clinic and they said that it looks like I had a TIA...so now I am on aspirin everyday for the rest of my life..I hate medicine but need to do what the docs say...had my regular doc straight after (an hour later) by the time I got to that appointment she had already called and discussed everything with my regular doc...I do have to a carotid ultrasound as soon as they organise it..I also have a sinus infection but because of its symptoms I had to have a covid test which was right next door...doc is positive that I don't have it but has to make sure...should find out results tomorrow...

Bought a couple things today and it cost $14 but came out of my mad money and bought a couple dvds..also with my mad money...other than that no spending

was going to buy gas but it has gone back up to 146 per litre so will wait till it goes down again

Had the neuro physio yesterday..cost $105 out of pocket but should get back around $50 in a few days which will go back into our ice acct...was nice to see her again and I have some new exercises to do daily which will hopefully help...other than that no expenses...I have the TIA clinic tomorrow which should be free and then I see my regular doc tomorrow and she is free...but will need to get a few things while we are out and about running errands but shouldn't cost to much...the weather here has been so cold and wet so the heater has been on so much but thats ok we have budgeted for it

My oldest daughter had a tooth extracted today..she is doing ok..she pays for it herself and it needed to be done...found out she only has 1 and a half wisdom teeth on top no bottom ones...they aren't bothering her so she will just leave them..we were just curious as she has never got them and she is late 20's...so good to know.

budget is doing well and sticking to the grocery and gas budget actually the last month we have left half the gas money in the account as we haven't needed it.

On a sad note we now have 8 cases of covid in our state...we had none for awhile and they have all been from people coming in from other countries & states...so frustrating...one of our states is doing so bad and the people living there are just not listening so nothing is improving they have been on level 4 restrictions and they are still braeking the rules

We hit the next mark for our house deposit...although its not a lot we are getting there hoping to up it at least $1000 each month and we have done that plus already this month and we still have a payday to go this moth...so happy and thanks for all the inspiration you guys have given me!!

First off the great news...hubby is CANCER FREE we got the results from his doc today...he still has the specialist appt next week but all our tests go through his doctor so we are stoked...on the bad side I ended up in hospital this arvo for a few hours (6) as the left side of my body went numb had a cat scan and one with dye and things started to settle down..so they sent me home and will get me an appt with the tia clinic at the hosp..so we will see what they say.

took our coins for the month in and we had $89 so put that into our home acct...will update that tomorrow after our pay goes through and I have added to it.

did some grocery shopping today...before we ended up at the hospital..but other than that its all good and things are on track