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we have a house

August 18th, 2019 at 04:28 am

We have a house to move into...it is costing us more a lot more in rent but the girls being adults will pay the difference as they needed more space so happy to pay. So come wednesday we wil have the packers here to pack up our stuff so next few days will be continuing to sort through and pack things.

I have been selling a few things and have made an extra $280 which we will use for the move, we also have to hire a truck to move our shed stuff ourselves (long story due to mold issue we need to clean etc first. We have a gardener organised and we will clean the house and carpets ourselves. have to call tomorrow to get all utilities turned on and then internet so might be off for a week or so...depending how long it takes them.

Cant wait for a fresh start and to get bac to a routine

exhausted but financially doing better

August 4th, 2019 at 10:06 pm

So we have had many workmen out to give quotes on the work that needs to be done...one guy that looked at the back room (flooded and has mould) I told him and the landlord today that they won't be doing any work in that room until our daughter stuff is out of there...he said when will that be I said when we move unless they are paying for storage...cause Im not....we will see what happens when she tells the owner that...but im not having mould spores all over my daughters things cause they decide to take piece of wall down and carpet up..

I have started to declutter and packing up boxes of things I know we don't need out...as I have limited energy it pays to start early...hubby is not liking this at all as he is a pack rat and I am a minamilist...but we ARE getting rid of stuff he doesnt have a choice.

It was payday this week so I have managed to get my ice acct back to $2000, have replaced the money I "borrowed" from my car acct so that is back to where it should be...we have had to buy some boxes (a lot) so that has been an added expense but should be able to put $300 back into savings as well...so something going right....although we are looking for another house to rent...they are so expensive

it rains then it pours

July 31st, 2019 at 03:27 am

We have had issues with flooding in our shed and back room since may and it is bad with all the rain we have had....we have continually asked the landlord to get it fixed as my daughter uses it as a bedroom...they fixed part of the roof but there is mold everywhere and she currently cant use it...he finally come from interstate to assess everything and decide what he needed to do...we have asked if we can leave our lease early (we have 9 weeks left) the owner said no and that our daughter can stay in the house which we have no room...so tomorrow we are going to be calling the govt housing and see what options we have...as we just want to be gone now..its been never ending and we are just over it all and it is affecting our health...so I am taking the time to start packing and go thru everything and declutter and maybe even sell some stuff...I guess we have 9 weeks to get it done and move house..lets see what happens...hopefully it wont cost to much to move

taxes done

July 25th, 2019 at 12:31 am

I hate the cold wet winter that we are having..it depresses me not being able to grow as much fresh vegetables as we normally do...which also saves us money...still deciding what to pay this week..as we are trying to get accts caught up to where we were...plus pay off my hubbys bed...but its a bigger payday next week so will will update the budget then...

On the upside we finally got taxes done and they have been processed...although they will send through the mail..dont know why they have our acct details so will be a couple months before we actually get them done and finished.

down injured

July 20th, 2019 at 11:52 pm

Last week I injured myself exercising...not really injured but while exercising I have undone most of the months of work that I had done on my neck...I have a dizziness illness and was doing well until I exercised (knew it was bad for you LOL)...so I have been housebound and bed bound since then...bonus havent spent any money other than bedding for my hubbys new bed...but angry that I am months behind from where I was...onwards and upwards.

budget on track

July 12th, 2019 at 01:54 am

I sat down today and sorted out the budget it will take a little to get bak on track but we are getting there...by end of year I should be able to get everything done other than my savings....but I have done next years budget and that looks good...going to see what we can do to save more money this year...hope everyone has a great weekend..its cold..wet and windy here

friend left..new budget..new ?

July 7th, 2019 at 11:42 pm

Well my friend left today...it feels weird not having her here since she has been here for 3 months...but we are all exhausted as we had to be at the airport at 4.30am and it was cold (winter here) and we couldn't sleep when we got home...so I cleaned the entire house..

Now I need to get stuck into the budget and get us back on track, I have menu planned so we will only get what we need each week, we took our cans in (we get 10c per can/bottle) and made $48.30 so I took that and all my coins from home and put into our savings account ($109.70)...so extra money for not doing much.

now just need to figure out the best ways to save as much as we can in the shortest amount of time...

I do have a question...I want to get my ice acct to $2000 which shouldn't take to long (after we pay off the bed) then raise it to $10000 eventually...would people pay off their credit card first or just add to the ice acct and pay on the CC at the same time??

new bill $4200

July 5th, 2019 at 04:01 am

My hubby has severe reflus so sleeps in a recliner...we have tried everything but docs cant find anything that works...so I decided the other day that we would get him a bed...everyone deserves to sleep in one and we got a good one which cost $4200...we need to pay it off but the expense is worth it..

throws our budget out completely so this monday when our house guest leaves I will be sitting down and redoing the budget AGAIN and try to get us back on track.

I paid extra on the phone this month by mistake so next month wont need to pay as much...everything else is paid and up to date...paid for 4 of us to go to the movies today...our last hooray before our friend leaves..

I have money in the bank!!

July 1st, 2019 at 07:29 am

Ok well not much but some is better than none right?

We only have 6 days before my friend leaves can't believe it is that soon...I have my menu plan done...need to rejig the budget when the friend leaves...have resent in our taxes (hopefully they get these ones)

It is pay week and we have money in the bank in our accounts...still have to move some around between our accounts...but will wait till everything is back to normal...and then can update where our accounts are at...but so good to have some money back in the bank.

also thinking if we have enough money in our car and savings accounts that we will buy a car at the end of this year instaed of december 2020...but won't know that till closer to end of year.

saving money tips

June 21st, 2019 at 10:52 pm

So I have just rejigged my budget for when our house guest leaves in early july 8th)...I have also have our menu plan done ready to go the day she leaves so we can get back on track and hopefully save some money in that area....my hubby and I have our mad money that we get each month which we can do what we want with it...and I have 2 tins that I put money in each month for when the kids move out they have cash in their pockets to do their firt big shop etc..or whatever they need it for (only started this year)...we make our own washing powder and cleaning solution....in summer we grow a lot of own vegies...what other hings do people do to save money?
We do compare elec/gas/ins etc when they are due...just wondering what else everyone does that I might be able to consider...we live in aust

getting ready for july

June 21st, 2019 at 01:26 am

Well our house guest leaves in 16 days...so starting the 8th july will work hard to get back on track..they leave on the 8th and we have 2 days after that before payday so in that time we will get our menu plan done for a couple of weeks so can get our food budget back on track (have been so bad with just 1 extra person), hopefully we will use less gas as we won't be driving as much...all bills are paid on time so that is fine but really have to start hitting our goals hard over next couple months which are
1. get ICE account up to $2000
2. pay off the CC again
3.get car account back to where it was
4. start saving for a house

so thats what I will be doing for a couple days after our house guest leaves...looking forward to it..although the weather here is cold and wet so no incentive to go out when we don't have to...

US taxes SUCK!!!

June 18th, 2019 at 08:52 pm

We have been trying to get all of our US taxes sorted..which has been a nightmare and still not sorted..a slight rundown....my hubby ex military and gets SS as well...so we need to do taxes every year which has never been an issue...well in august 2018 last year I got a letter saying that I needed a new ITIN I sent everything they asked for and go a letter in late oct 2018 saying they needed more info...which I sent to them in early nov (a week later) we are still yet to hear from them...have tried calling get no answer...we sent our taxes in mid feb 2019 with a letter stating that we were still waiting on my ITIN but had filled out all the tax forms...we kept looking online still nothing showed up...we finally got a hold of someone in Texas and they said that they couldn't find that anything has been received yet...so to resend in...so now our taxes are late...hubby has to file singl as I don't have a current number and we instead of a small return we now owe ove $2000 plus late fees and penalty fees none of which is our fault...living over here we can't upload and do online we have to send it in via mail...this is so frustrating...all they say is going into an office...a little hard when your in a different country and there are none here...so tonight will be sitting up late trying to see if we can get some more info...so freakin frustrating...especially with hubby still sick with pnemonia

replies???

June 17th, 2019 at 06:53 pm

I have put a few comments on here and I get emails to say that people have commented on my posts but nothing ever shows up that have been on my posts or that I have posted...is this happening to anyone else? or does anyone know how to fix it?

CC payment

June 17th, 2019 at 05:30 am

Have paid $550 off the CC this month...slowly but surely getting it down...

Everything is moving along slowly with our accounts will speed up in july when our house guest leaves and I can get back on track with everything...

It's getting real picked up flight tickets today only have 20 days before she leaves...it has gone way to fast...trying not to spend extra money this month but we will see what happens...hard when you have visitors and ones you won't see again for years

But making more progress this month than I thought we would...so happy

hate winter

June 16th, 2019 at 12:24 am

I hate the winter and this one has been cold and damp...my hubby has copd and has been battling bronchitis for 11 weeks everytime he stops the meds it comes back...he was feeling a bit off a couple days ago and I was going to the movies with my friend the kids call me and say they are calling an ambulance as he didn't look well and was shivering and couldn't stop...so I leave my friend at the movies and by the time I get home they were loading him in the ambulance...after a few hours and tests they found out he had pnemonia so was hospitalised for a couple days with heavy antibiotics...he came home today and is doing much better but still on meds...its times like this that I am lucky in our country we have socialised medicine and it didn't cost us anything...except the meds when he cam home which was around $30...

We are pretty lucky here the movie theatre returned my money as I didnt actualy get to see any of the movie...my hubby has a disability parking permit so parking didn't cost anything....it things like this that pop up that I really want to get my ice account back up to where it was...working on it but it is a process

my friend leaves in 3 weeks it has gone way to fast but also looking forward to getting back into a rountine...I can't wait to get back into menu planning and getting my budget back on track

australia is weird

June 6th, 2019 at 07:14 pm

I was talking to a morg person the other day as when we buy a house we want it paid off in 5-8 years...ad I asked so if we pay extra payments on the morg and something happens does that mean we don't have to pay it for a few months since we would be ahead...they are like no...you still have to make the monthly payment...I thougt that was kinda rough they do everything to make things hard over here for us...but will sure be looking around and making sure we find everything out in the next year or so....apparently they do this with all loans but since we haven't had a loan in a few years we just don't really pay attention..guess we had better start doing some research so we can get the best deal for us.

yah payday

June 2nd, 2019 at 07:14 pm

I love love love paydays...especially when my accounts are looking dismal...but I now have a budget I am sticking to and hope we can deal with the food costs by being a bit more creative.

We almost have our ice account half full and money back in our car account, all other bills are paid (monthly ones), I have paid a monthly amount to the car account...although we do have some catch up to do with that probably wont be till july/aug to get it back to where it should be

Any extra money will go onto the CC but not sure how much yet...that is 3rd on my list to work on but will make payments...its the only debt we have so as long as we are paying on it I am happy...