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
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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..
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??
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.
Well did the budget over the weekend...and we decided that we would cover the rent and our daughter will pay 1/3 of the gas/water/elec and we pay the rest...but we pay a lot of rent each month so we also did the figures if we moved back to the area we use to live in or at least closer as everyone we use is still in that area. So in july we are thinking of moving back there depending on what is available and if we can find something to suit us...it would save us alone over $5000 a year in rent which could go towards our home deposit rather than someone elses morg or lifestyle...the owner of this house likes to travel overseas a lot...so hopefully we can find something.
We have ordered the bed and paid for it on the CC but it should be paid off by march so not a big deal could have paid it off sooner but want to get our ice acct back up as it is really low right now.
Groceries have been fairly cheap, we have a few over 100 degree days coming so its mainly salads and meat so no real cooking etc.
Hubby has his urologist appt on 6th feb so we should know the results of his biopsy and what treatment he will be doing...heres hoping its not to bad.
Well hubby had his doc appoint with his regular doctor on thursday and he said from the mri he definatly had cancer but it looks like it hasnt migrated from the area...but they might do a bone scan to see just to make sure so hopefully he is right...he also had his biopsy done on friday and is doing great...so in next 2-3 weeks we will see the urologist and I guess see what the treatment plan is and what grade the cancer is...so will just deal with things as we find out more...not really to fussed about it right now.
On thursday my youngest daughter decided to move out..so we helped her move friday as well...she had work..she is moving in with her cousin...she is happy and thats what counts...she is still working 2 jobs and studying but she says she is fine and she has some savings...instead of paying money into our ice acct like we planned I paid for a bunch of groceries which i had promised to do for her. Both our girls have bought plenty of things on sale over the last couple of years for when they moved so she is covered in that area as well
So this weekend I will be redoing our budget as she was paying rent here so we will cover that now...our oldest said she would goes halves in her sisters share of the rent but she has chronic illnesses and on disability so not sure if we want her to do that...she already pays her way here
Hubby has also got bad reflux for a long while now, he has been sleeping in a recliner as he likes to watch tv when he sleeps as he has to sleep sitting half way up so we have decided it is time for him to get a bed...its around $2400 but want him to be comfortable...so lots to do this weekend...
So we are looking at our US taxes that we need to do every year which can be a hassle...for 2.4 years I have been trying to get my itin number uppdated...finally we think we have sent them what they have asked for again..so hopefully gets processed need it for me to be on the taxes.
We don't pay state taxes obviously but we do federal taxes (hubby ex military) but with the changes they have made with SS from what we have read they count the entire amount now which means we will end up owing $3000 plus...I hope we have read this wrong...I really don't want to owe a country that much when we get nothing in return or use any services over there...lets hope we are wrong...if we are reading it wrong then let me know please