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budget 2020

May 25th, 2019 at 08:55 pm

Well I couldn't sleep last night and I thik it was because of my budget swimming around in my head...it is driving me crazy to be so far off track ad I hate it so i sat down today and did my budget for the rest of this year and 2020...yep I am that organised and it is easy to do.

So I have put us on a budget to do a few things with my friend while she is still here, the cold weather here as made for lots of slow cooker recipies...as we get real tired by end of day...so we are trying to pull back on groceries...food is expensive over here especially in winter with vegetables..in summer we grow a lot of our own vegies...and we eat a bit of fruit which is also expensive in winter...

But I think we can get our ICE account to $2000 by end of year, $5000 in the car acct by end of year and some savings...I would like a couple thousand but won't hold my breathe right now

Next year if nothing major comes up we will be on track to having our house deposit, we will buy a good second hand car ad then in 2 years we will buy a house but 2021 will be saving for thigs like solar panels etc for our new house...so that is the plan...I feel more relaxed...it seems like a long time but 2020 is only just over 6 months away.

The rest of this year will be focused on my health and trying to get better and fitter now that I can leave the house a bit more....

only 6 weeks to go

May 24th, 2019 at 06:28 pm

I am absolutely loving having my best friend here visiting but it has devastated my budget...I hate that we have no money...ad with our election (and no I didn't vote for the liberals here) they have already raised several taxes and fines...I don't care about the fines if you do the wrong thing then you pay for it but the taxes will hurt so many people....and everything has gone up...gas/food/insurances/public transport etc....our state pays the highest elec in the world...its getting so hard for so many people.

I like to be organised so i am hoping that we can save some money next month we have a 3 day trip we are taking which should be our last big expense but we should be able to take a lot of food with us and save money and the second night we can stay at our nieces so we won't have to pay for that..so can save some extra money.

I really do stress when we owe money such as the CC and I just wanted it gone...but only 6 weeks to go and then we can get back on track and start our savings back up and our CC back down...so heres to great 6 weeks left of the visit and hopefully some money in the bank....never thought that an extra person would cost so much especially in food...but it really adds up....we can remember that for next time

friend = rough budget

May 16th, 2019 at 06:30 am

My friend has now been here for 5 weeks and she is doing great even lost 8lbs....she says its all the good food she is eating here (we rarely eat packaged food)...so that is a bonus...food is still costing us a bit but we are coping...have bought the ticket home...so that is done...june we are going to day a trip for a couple of days will be expensive as will cost around $400-500 just in gas but I think it is worth it...

Have made no progress on the budget or savings but not really going to worry about that until they leave in july...then will get back to our goals...have been using the heater and dryer a lot more now so elec bill will be a bit higher but should have that covered

hope everyone is enjoyig their warmer weather so cold and wet here

may already

May 2nd, 2019 at 10:26 pm

Can't believe it is may already....my friend has been here 3 weeks already...time is flying by...but we are just enjoying chilling....some things I have learnt lately

Having extra people in a house is costly...even if it is only 1

Anything that can go wrong usually does all at the same time...yep had to replace another appliance.

Trying to stick to a budget is hard when you want to do things with people and gas keeps rising we pay over $80 just to fill our tank so day trips are getting expensive

I hate shopping and thats all my friend likes to do...so we take turns who takes her...I said she needs a budget while she is here she said no...my kids just looked at her like she was an alien...and said you don't have a budget...why? but she just spends what she makes...her choice....but not something we are use to.

We are behind where we want to be with our budget but all bills are paid on time and Im hoping to buy a plane ticket next week for her to go then we can get that out of the way and do some more trips that we want to do....and hopefully do it on a more cost effective way...

The weather has been cold and miserable here with so much rain which we need...but my body feels broken..with the cold and damp and hubby who has copd also has bronchitis again for the last 5 weeks...so havent wanted him to go anywhere as we also have a flu epidemic over here right now...if he gets that it will kill him....so we just chill out and hope nobody gets sick.....

Heres hoping we have a little bit of savings by end of month

friend has arrived

April 14th, 2019 at 05:09 pm

well my friend has finally made it here...our food budget is way off track but we have had extra people over, a bbq for my hubbys b-day etc...but all bills are paid and we havent really done anything much yet except a little shopping which I bought nothing...so far so good have a few day trips planned but we have 3 months so going to spread them out...and its becoming cooler here as it is fall here...going to try real hard to stick to my budget while she is here so we will see what happens....whats great is my daughter is a cheapskate as well so she finds plenty of free things for them to go and do as well and they just pay for the train ride...parking in the city is expensive and horrible to drive in and the train is so much easier and cheaper.

On another note my hubby hit a small pole at the airport and dented the side of the car a bit...not going to bother fixing it...its an old car and not worth it with the deductible...to me a car is just a tool so Im not fussed and we want to get another one in the next 12-24 months...so will put the money towards that.

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..

busy weeks still recovering

February 24th, 2019 at 04:25 pm

It has been a busy couple weeks and this next week isn't any different wih us having to help my hubbys son move...still recovering from helping my mom move...but its family...on the good news he has enough money for the move so he won't have to borrow from us..which is great...

have lots of appointments this week that are going to cost...we have my brothers wedding in a week but don't think we need to buy anything for that...except some money in a card..

I just looked at the CC we hardly use it but used it both jan & feb...hoping to pay it off in march if not definatly april...hate owing money...but it was things like a new washer...which is a dream and so quiet compared to our old one...but being short I almost have to climb into it to get to the bottom of it...LOL

I know I have some expenses coming up as next month we are hoping my bestie will be visiting us still waiting on passport...is taking forever...it sucks...but hopefully next month and she is hoping to stay like 3 months...can't wait so will have some expenses while she is here going and doing things and visiting places

so going to spend the week resting as i can and going through the budget to try get the CC paid of asap

more expenses

February 18th, 2019 at 05:34 pm

Well today our washer broke..can't complain it is over 14 years old so we had to go and get another one...got a pretty good deal for over here and paid $77 for the delivery, installation and taking the old washer with them...so worth it don't need the hassle right now of trying to get rid of it ourselves.

Also have his son who is moving next week and he wants to borrow money for the move so we will have to discuss that...always something coming up I'm just hoping that next month no unexpected expenses come up so we can get back on track.

accounts all have money

January 23rd, 2019 at 02:29 am

I know it's only the first month of the year but it's nice to see all of our accounts have money in them. It's a great to see that our goals are starting off...I know our savings will drop when we bought the tickets for our friend to come over to visit us...but everything else is looking good.

The weather here has been horrendous so have had the aircons and fans on a lot...its 113 here tomorrow...such a hot day its my b-day so just having pizza with a few family members but we are buying it not making it...its a splurge day but way to hot to cook or do anything else...but will hopefully get a good deal.

Ordered 4 blankets for winter...know its summer here but they are so thick and I know it will save us money in winter as we wont need the heaters as much and will last us a few years.

other than that we haven't been spending any money....feeling positive about this month...and the rest of the year

Top money saving tips

January 20th, 2019 at 08:03 pm

These are what I do try and save money

1. Have a written yearly budget, use what you know your base income is, also allow you to know best times to plan holidays etc

2. put money away in seperate accounts for annual bills, car, bills etc

3. always revise insurances etc before they become due for better deals

4. set an amount for groceries and gas and use cash each week - use only that amount, whatever is left over put in an envelope so you can buy things on sale etc.

5. menu plan and stick to the grocery list, this includes, dinas, breakfast, lunch and snacks.

6. Always turn electronics off at the wall when not in use.

7. if it cost over $100 use the 24hr think and then buy or forget about.

8. keep up with car/equipment maintenance to stay ahead of costly repairs.

9. have madmoney that is not accountable to anyone but yourself...you can spend on anything you like

10. use whatever rewards and coupons you can to save what you can

11. remind people that when you buy something cheap your not saving money unless you put the extra savings in the bank..its just a good deal

got my money back

January 9th, 2019 at 01:29 am

In december I paid our water bill to the wrong company...the house we are renting was sold and we got new owners and when we transferred all data from my old computer to the new one the information came with it...so money went to the old company...I called them monday and the lady who does their accounting was rushed to hospital with for surgery but one of the ladies called me and got my bank info and put the money back into our account so that mistake has now been settled and was easy to get done...just a couple phone calls...so that went straight into savings again...so no more mistakes this year like this!!

november already

November 1st, 2018 at 09:16 pm

Been a couple weeks since I blogged, have been really unwell then doing okay, not sure what we have done but I have had no meds in 5 days and feeling around 80% which is great but weird, I am just waiting for the crash to hit me, I even managed to grocery shop with my hubby yesterday....not complaining but trying to work out what happened for the change...but I am going to enjoy it while I can...have done so much last few days and it feels great. I do have 4 specialist/doctor appointments this month and going to stick with them in case I take a turn for the worse again...

November is going to be an expensive month for us with all the specialists and I want to pay off my laptop we got a few weeks ago so we can be debt free again, so savings will be way down but if we have savings at end of month then I will be happy.

On a good note my hubby has sold his boat (to my brother) so that will give him some extra savings for his hobbies, not finalised yet as my brother works out of town but will be done in next few weeks.

I have been working on my moms budget all year as she is almost 80, had some debt doesn't do internet banking etc so I have been doing it for her for last 18 months and she will be debt free in next 2 weeks, we just ordered her a new bed and mattress for her great grandson that lives with her he just turned 13 and is to tall for a single bed....and she paid cash so she is happy...she is coming to visit this month so will finish up her christmas shopping and next year she will start doing her own budget again as I have it all written out...she is really happy right now as with me doing it has taken all the pressure off of her etc.

I have our budget written up for next year so that is ready to go, so i am finishing up my christmas shopping this month and then that will be us done for the year have most done just have a few stocking stuffers to get and some gift vouchers people have asked for but will get closer to christmas.

I can't believe that all the christmas decorations are already up and the stores are filled with christmas everything...I really get sick of christmas before it gets here I really don't think that it should be allowed up until a month before christmas...

I am really looking forward to achieving all my goals this month..big expenses and all

busy week

October 14th, 2018 at 10:08 pm

has been a busy week for us all but so far not an expensive one....unless your our DD...her cat got out of her area and into next door yard and got attacked by their husky...all I heard was blood curdling screams from my daughter and I went running just in time to see her cat jump over our fence and hear their dog bash into the fence...so lots of vet bills..luckily she only had a few not to serious puncture wounds...lots of bruising but no broken bones...but was expensive for her....also her cat obviously freaked out attacked the other cat which freaked out and attacked my other DD small dog so it was a hellish few minutes trying to get everything calmed down but they are all doing pretty good now.

We have 1 DD away on holiday and 1 house sitting so the house is very clean, quiet and we aren't spending much on food or anything...so that is great.

I have finally been able to make appointments with a neurologist, my ENT specialist (again) and a opthamologist they sent me to the hospital and when I rang they said it was a 2-3 year wait list and I asked if they knew any private ones and she gave me a number and I get in november....yes it will cost me more...a lot more but not waiting on my sight for 2-3 years could be blind by then....so until those appointments it is living day to day and hoping someone gets some answers.

So going to rejig the budget and hopefully be able to cover them all and not use up all our savings...

more savings

October 3rd, 2018 at 05:02 pm

Well payday came and went and I was hoping to have between $2000- 2500 in savings by end of month but we have managed to already get to $3,611.56...so we are thrilled...yes we have to use some of that for a service on the car but we are $1000 over what I thought we could get and we also have another smaller payday so can add some more in a few weeks...October is looking good


September 6th, 2018 at 09:40 pm

Well being sick on top of a chronic illness has been extremely boring...to sick to do anything..so glad we have netflix...but on the upside still not spending other than groceries...which my hubby usually does.

I have our savings up over $1000 but only updating my blog at end of month as it changes all the time..so feeling good about that...set it up that I have $100 a month going directly into my retirement fund (super as we call it) every bit helps. only have a couple more christmas gifts to get and then I'm done other than stocking and food...so can mark that off my to do list..still need to finish up the shed and get some things put up for sale online and make a few dollars (hopefully)...even thinking about a garage sale just not sure yet and hubby is thinking of selling his boat as well...but we will see.

so far sticking to our budget now just need to get my moms budget for next year done