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does planning make you stay on track?

September 25th, 2023 at 11:19 am

I have started from scratch again with my budget and everything. I have noticed that when I get sick or stressed and things fall away and not planned then I just don't bother and it is hard when you have a chronic illness to always stay on track...So I have redone my budget starting october (our next pay cycle), have my meals planned and have my shopping lists ready to go (we got to 5 different stores/markets) I am hoping that helps me stay on track and get back on track and stay there. Does anyone else do this?, if you do does it help you stay on track?

I am thankful that our bills are paid every month and we don't add to our debt which is only our dreaded CC which should be paid by end of year....then we can start saving for a house, we have also started decluttering and have sold a couple things and still have plenty to get ready for sale...so that will be a few extra dollars...although some of it has been put towards a home generator that we decided to buy as with a hot summer they are talking about rolling blackouts and we will struggle with that

Let me know if you plan and any hints and tips that have worked for you...Thanks

a little pay raise!!

September 18th, 2023 at 02:59 am

Well firs off the dog is fine and they think it is just a cyst that he has had a couple of before so right now it is wait and see...so no extra money out there other than the $80 consult fee.

As prices are soaring here with everything the govt is upping their payments and each payment is getting different amounts...we are getting the following which will help out

Back paid $350 (jan2022 till june) for utilities (elec) for having fibromyalgia then $50 every quarter from then on.

We also get an extra 75per fortnight (2 weeks) from now on

so every little bit helps...we did use the CC as hubby bought a generator since we are suppose to have rolling blackouts this summer....but we do have the money to put it back on the CC just need to get down to the bank...he got it when they had a sale for that 1 day and he was out and he saved $170..it was an hour away and he had his cash in the safe...so that is covered..managed to put a little extra on there this month

fingers crossed things stay on track and keep adding up in the positive side of the budget and financials

budget 2023/2024

September 13th, 2023 at 04:23 am

Well yesterday I sat down and did our budget..it never really changes in that our bills always remain similar..we do however add 10% moe each year as they usually go up...especially now...and it can be hard as we do get US money and we all know how much the dollar changes...so I usually round down so I know we can cover everything. The CC will be paid off by end of year...should have some good savings next year....but in saying that our dog has the vet today as we found a growth on hid ear..so need to get checked out and see what it is...and I told my daughter that I will help with her fertility treatment...so although we will have savings not sure of amount right now...

Resetting everything!!

September 12th, 2023 at 02:36 am

Well the last couple months have been a bust in every way imaginable...the weather has been horrible, cold/wet/windy etc....health has been bad for all of us...I had 2 cold viruses and influenza B all at the same time..had to get some chunks cut out to check for cancer (told today it hadn't turned to cancer yet) now everyone has bad hayfever....and I don't even want to talk about the budget....SO...I am resetting everything...starting with the budget...so with the weather starting to fine up....the house all open with fresh air...I am going to sit down and do my budget as I WANT to be debt free by end of year and then have saving goals for a house deposit end of next year....wish me luck

the good, the bad and the ugly

September 1st, 2023 at 05:18 am

So a little catch up has been a couple weeks or so...I think our tax saga is finally over...a little update on the last 3 phone calls...so I had to amend our taxes so I called them and asked how to do it over the phone and they told me where to put the amounts in...so we did that and sent them in...didn't hear anything for a couple months so I called to find out what was going on as we owed (I paid what we thought we owed them..this is for 2021) and this nice older lady was looking through my records and I was explaining to her what has happened over the last 2 years with it..the guy who processed it did it wrong and added the amended amount to the already taxed amount and said we owed approc $2800...she was reading through it and said it was all done wrong and that she would personally do it herself since she knew what was going on and was taking noted etc....I was then given a 3 month reprieve from interest as it was being amended..still hadn't heard anything and the 3 months was almost up (tomorrow) so called to get an update...told her we hadn't received anything....now granted the issues began because they never received my taxes in 2021..even though I called and asked several times if they had or if they wanted me to resend them and they said no..so this year I sent them both together and had them sign for them so I knew they got them...and if they didn't sign then I would have something saying that they wouldn't sign for them...but they did but they charged me for not sending them in last year...because they never got them....so the nice lady from the 2nd call managed to get all the fees dropped as she could see that I had called etc...so we ended up only owing $32 which was interest...so we are so thankful for that and glad that it is finally over...we were able to pay that online.

In other financial news...I was sick with 2 cold viruses and influenza b..so was under the weather...we never got the paperwork in for our car registaration and I forgot about it...so we were fined $556 for driving an unregistered car...purely my fault I just forgot about it....so that sucks...but then I also received a call here in Aust the govt if you have certain chronic illnesses will pay you a small amount each year (broken down to each 4 months) to help with heating/cooling costs....both my daughter and I had to reapply and both got rejected...and I asked why because my doc is the one that manages it and specialists are so expensive and so hard to get into that many people either couldn't or wouldn't be able to get in to a specialist again...and the specialist that diagnosed me died...so I would have to start again but the GP's are the ones who manage everyone not specialists...this was a couple months ago..she called yesterday and said that it wasn't in their policy and not something they thought about so they had a meeting and decided that yes GP's can now do the paperwork and we were going to get paid as they have changed the policy and thankyou for bringing it to their attention...they were also going to contact others in the same situation as us who had been rejected and let them know that they would be getting paid as well...so that was a nice little bonus...especially since elec prices have jumped another 20% this year..average elec bills are around $800-1000 a quarter.

I then was changing my moms dog registration since she lives with us and realised we hadn't got our dogs rego in (it actually our daughters dog) but he lives with us...so had to call and get that sorted as well. my nephew turns 18 in oct and we told him he has to pay rent to live here...he doesn't like that idea so he is thinking of moving out..so we will see....he really has no clue about money and paying bills etc...he thinks he knows everything and doesn't listen to any of us...so he can learn on his own..he makes decent money for his age...but we will see what happens when it comes time to pay...no matter where he goes he will have to pay something.

And last but not least I had a couple  biopsies apiece cut out of my neck and back of my shin to test for cancer...should find out in a couple weeks...also wants me to do the  actinic keratosis treatment on my face..it will take 3 months from start to finish and you look like something out of a horror show...I am thinking about it but don't want to do until the new year as I want family photos done as my hubbys cancer numbers are starting to climb a bit again (3rd time) and he had been diagnosed with diabetes (not insulin dependant) and don't want to walk around like that for christmas...so we will discuss and it just turned spring here don't want to be stuck in the house for another 3 months...so will discuss with the doc in a couple weeks when I get my stitches out.

Well that about catches us up for now...just need to go balance the budget with the fine and all but it may make me short for paying off my CC by end of year..we will see..fingers crossed I can make it work

 

Paying off CC slowly

August 19th, 2023 at 08:19 am

Have only 1 debt which is the dreaded CC...my plan is to pay it off by the end of year so we can start 2024 debt free..I have currently paid off $500 this month with 1 more payday to go..so on track right now..fingers crossed it stays that way

renewed lease

August 5th, 2023 at 05:05 am

Well we renewed our lease for another year it is just to much hassle to move right now especially since we still have my mom and nephew living with us till they find a rental (has been 11 months) and it also gives us some time to save towards a house deposit and the rent only went up by $20pw. We also want to go through and declutter when they move out as my hubby can't do a lot of things that he use to since his cancer treatment so will sell a bunch of it...and my daughter is going to declutter as well as she has so much stuff and she is thinking of closing down her jewellry business as she has other interests now that take up more of her time.

We have switched banks now and that should make banking a little more secure than our last bank..they don't like to pay up if people are scammed etc and I don't trust that...so now with a bigger bank...and have our savings in another bank...will hopefully be debt free by end of year and then saving for a house deposit

also started using an investment app...see how that goes...wanting to learn how to invest now...so starting off small

What a month!!...and 1 major thing

July 31st, 2023 at 12:37 pm

I hate winter it has been so cold, wet, windy and dreary almost everyday for 3 months..we occassionally see the sun peek through the clouds...but not often...so everyone has been feeling a bit down that we can't get out more into nature, beach etc....but we have had some unexpected things happen...first 2 things happened to our car that we have never had happen before...the seatbelt latch broke in the car so you couldn't do the seatbelt up...so one was ordered..we got it fixed...it still had a light on which means if we were in an accident then the airbags would'nt go off..which means it was faulty so had to order another one and get that one replaced...finally that was all done...then our ignition switch stopped working...so had someone come out and look at it...was an easy fix..the keys were getting old (car is 15 plus yrs old) so it wasn't connecting with the ignition swith and we just got a new key..it cost $220 but cheaper than an all new ignition switch...so that was some unexpected expenses we werent expecting

Now for some shocking...disgusting news...that is not money related but I am sick to my stomach about!!

10 days ago my niece aged 24, who we have nothing to do with as she takes drugs, she is violent and breaks the law etc...was arrested for child neglect and child endangerment!!!...she has a 5 year old and an 18 month old who she barely raises...her mother has them way more than she does...apparently her and her mom got into an arguement and werent talking....so the police showed up at her mothers house and said they needed her to go with them as they were taking her children off of her...the house was a mess but shockingly the 18 month old had an over flowing diaper that had live maggots in it...I am sick to my stomach..knowing those kids went through that...I am beyond disgusted that I am related to her and I was hoping they would keep her in jail...but today she got bail and home detention...she is not to be within 50 metres of children...and has to wear a monitor...I know she will break her bail conditions...she is that sort of person like the rules don't apply to her...she has 7 convictions of physical violence against her, she has breaking and entering...not sure if she has been charged with that...but I am just appalled to be related to her...sorry for the rant but I just can't seem to get past this...on the upside I have been changing all my banking to a new bank and getting it set up...and hoping to pay off our CC by end of year so we will debt free and I have started using an investment app and starting off small and just adding to it until I learn how to invest better!!

tax drama...not over!!!

July 6th, 2023 at 04:39 am

So I called the tax office back after a couple weeks like they asked me..waited till after the 4th...tried to explain again to a new person what has been going on and to see if we owed anymore...as we had to amend our taxes...she was looking through it and said that the person who did them messed them up and added the tax in instead of readjusting it...they didn't read the notes so she did it while I was on the phone and she is seeing what she can do about the late fees/interest etc, so she said the first 2 letters we get don't do anything as it will say we owe around $2800 (we don't) and then we will get in 3 more letters and that will say what we owe...so fingers crossed after that we will be done...

Other than that and a few extra bills we have to pay we are finally getting back on track and starting to get some $ in the bank again...will update later in the month

elec increases and unknown broken bones

June 30th, 2023 at 01:49 am

Well on the 1st our electricity and gas prices increase...some are going up heaps but ours is only going up 19%...which is around $1000 extra year (give or take how much we use in summer etc) so will have to budget for that...everything has been going up.

Went to see my ent specialist yesterday..took 3 months and I have some sort of ear issue that keeps my ears damp (on the inside) and it creates a rash almost like excema  that makes my ears crazy itchy...so have  cream and drops to help it...I also have all sorts of sinus issues and also found out that I have a burst eardrum that has now scarred over and that my nose has been broken in 3 places...he asked when they happened and I said never...he said I would know as both would be painful and I told him I have never had pain in my ears or a broken nose...called my mom , she said the same thing never had either...so we have no idea when or how that happened....although maybe I just didn't feel it as I did have a major ear infection years ago that my doc found on a routine appointment, she said it was the worst she had ever seen and I didn't even feel it...she said I should be in massive amounts of pain and it didn't even hurt....so who knows...neither bother me but maybe thats why I have so many sinus issues because it was broken and never set...

Anyways need to readjust the budget and also figure out how to pay all the irs fees they have charged us...tried calling again today and they are to busy to answer, doesn't really help!!

Hope you all have a good 4th July

Another 20% plus increase

June 25th, 2023 at 03:40 pm

Well as of the 1st of July our electricity prices are rising 25-40% in our state...so time to look around and see if offering the best deal and see where we go from there...the letter they sent me says that using our averages that we have been we will be spending approx an extra $1000 a year so we need to update our budget...we have already needed to raise our gas and grocery amounts...so time to sit down with the budget and get it sorted to fit the new amounts. 

Still not sure if we will move or stay in this house when they lease comes up...or if they will even keep leasing to us...only time will tell, don't really want to move it is so much cost with packers and we can't do it ourselves anymore.

We shuld be debt free again by the end of the year so that wil be nice...had so many extra expenses that have come up and made things hard but we are getting back on track...not doing much else as the weather here has been cold, wet and windy...they say it was going to be warmer and drier but it hasn't been...so I can't wait till spring gets here

Mom is still looking for affordable housing but no luck yet...has only been 9 months...but on the upside it has been nice seeing a lot more of her and spending more time with her.  

IRS and other updates

June 6th, 2023 at 09:55 am

Well it was a wrong prefix on the phone number changed the 3 to a 2 and it was fine, the woman was so rude and beligerent to me for no reason I guess she doesn't like mondays...but was able to get a 90 day hold while they do the amendment...but pretty much what they are charging us is late fees so not sure how we will get that done...I am still trying to find out what happened to the taxes last year and where they ended up...I was trying to see if they have fallen into the wrong hands but that has been hard as we don't have a US address or phone so still trying to figure it all out from our end....only time will tell.

My mom is still looking for a house...been 9 months already...housing is ridicuous...but on a positive note my nephew finally got his licence!!

help with irs phone number PLEASE??

June 3rd, 2023 at 03:19 am

I finally got a hold of the IRS as we had to do an amendment, we paid what they said we owed (once we figured it out properly) which was lower than what they said (before the amendment was put in), they said they have the amendment but haven't done it yet and that our outstanding balance has been given to collections, but to call them and as them to wait on everything until the amendment has been done...they gave me a number 367 941 1004...I call but it says it is a erong number...I have no idea how collections work...never owed people money like this...and now can't call them to get it sorted...have looked all over their page to see if I can find a number but to no avail...can anyone help me please...this is so frustrating,,,have told them it takes a minimum 8-16 weeks to get mail from them but they don't seem to care and we don't know anything until we can get a hold of them so if anyone can help that would be great...never had to deal with such an  incompetent company such as the IRS!! 

federal payment default?

May 21st, 2023 at 04:03 am

Do you think the US govt will default and what will it mean for those reliant on social security, US pensions etc? how will they pay things...and do you think the politicians will still take their paychecks? Hope they can get it sorted...but I don't live over there so am I reading it all wrong?

catch up

May 18th, 2023 at 08:37 am

Has been a little while  but have been busy...my mom has now moved in with us so our house has been busting at the seams, and we have her pets as well that doesn't like other animals so we have to keep them seperate...it just means more people, more cooking, more grocery shopping etc....most of which I am doing. Seriously housing over here is beyond a joke and so hard to get. She was living with my niece but her hubby's dad had a bad medical episode and has had to move in with them so my mom had to move.

I am going to redo all my budgeting and thinking about moving banks as well, as I have just gone off the rails and I'm not sure the bank meets all our needs anymore..so researching that....hoping to get back on track soon and start over...anxiety has been through the roof and made things harder...and the weather is getting so cold (for us anyway) and so wet...so that doesn't help....time to press the reset button.

Hope everyone else has been doing great and achieving their goals!!

is there any tax brackets for 2023??

April 20th, 2023 at 01:38 am

Can anyone tell me if there is somewhere that I can find how much we need to put away for taxes...we never owe and the last 2 years (which has just been completed) we have owed on both of them and it looks like from last year to this year our taxes that we owed doubled...but I would like to make sure we don't owe again but not sure what to put away...is it going to go up another $1000 plus again this year...have tried irs but couldn't find it...anyone have any ideas...our income is under $60,000...Thanks

We owe taxes!!

April 14th, 2023 at 03:31 am

So after 2 months of waiting to hear from the IRS we finally got a letter in and apparently we owe taxes for 2021 and 2022....they are also charging us as they say we never sent them in last year (which we did and we have told them this and called many times about the taxes so they can see that we called and should have notes on  the file)...it states that they need to be paid by end of march and we will be charged $45pd that they aren't paid and we had to also do an amendment as there was apparently a mistake made....I know we sent them in so now we don't know where last years taxes ended up..how do we know if someone over there is using our information and racking up debt....or if they  have them sitting in a dead box at the irs building...so that concerns us...but with how long mail is taking..so god knows how we deal with this..we have however upped the amount of taxes they take out so we don't owe again (we have never owed money before) so I guess the tax saga isn't over yet!!

Nothing seems to be going well lately...ours daughters 5th iui didn't work, we still can't get my mom/nephew affordable housing, I reacted badly to my anxiety meds and had to come off of it....weather hasn't been great...a childhood friend is having a funeral today...we are not going as i don't do funerals and it is my hubby s birthday...food etc is still going up...

I do want to move and so have been decluttering...so that helps

A few questions

April 8th, 2023 at 11:22 am

Just wondering if everyone who budgets do you have seperate accounts to keep your money in say POM (peace of mind/yearly bills), ice acct, car, animals, etc or just 1 and just figure out a monthly amount that needs to go into it...so it is available when the bill comes in...seperate savings...just those that need to budget I know some of you have lots of money so not really an issue...what other things do you add in your budget? or what budget tools do you use?

on other notes...we may not be moving...wanting to but housing is so scarce here right now...so we will see. Just found out that my niece has stage 4 melanoma...we are waiting to find out if it has gone to her lymph nodes or not...sad she has 3 kids (2 are special needs)...so hopefully they will get through this.

Still have my nephew here living with us..still looking for housing for my mom and him to move into...been 8 months now...so frustrating...really want our house back to ourselves...he is easy going and not a hassle but just need the space back for our daughter....can't believe its april already hubbys birthday next week he really doesn't want to do anything...

decluttering and moving!

March 22nd, 2023 at 05:33 am

Our lease is up in 7 months and I really don't want to stay in this house anymore..2.5 years is enough...they have heating and cooling in 1 room so it hot in summer (also has a flat roof) and cold in winter...our daughter who lives with us plans on having a baby this year (early next year) and this house isn't good for that...and no matter what we do this house has never felt like a home....so we want to find somewhere else to live....so I have decided today to start decluttering...I know most people say but you have 7 months...but we have the house, 2 small sheds out back. the garage, 2 outside rooms and a storage unit....I know we can pare down some...a lot of it is hubbys tools, our daughters jewellry business stuff and their sewing stuff as wwell as baby stuff (but that will be in its own room when we move)...so have a lot to do and it gives me plenty of time to go through things and throw away/donate/pack....so when it is time to move everything will be done...will also be trying to work on the yard...and closer to the time obviously deep cleaning the house....so I am excited to be doing this....I am a minimalist who lives with people who love their projects..also stretches out payments for things like rubbish removal (we fill our bins each week with rubbish/recycling/green so that helps out) but will need it for the bigger things that they no longer use or want to keep.

Other than that we have now hit autumn and the weather here has been so  weird this last 12 months...so we will see what it is like but the uv reading here everyday is extreme and we can feel the difference...but I think the weather world wide has been a bit bipolar!

devastating news

March 19th, 2023 at 07:50 am

Found out yesterday that a childhhod friend passed away...it was her second time having cancer and she had stell cell treatment again...it didn't go well I guess because she passed..not sure if it was from the cancer or if she got an infection or what..her sister (her only living relative) doesn't want anyone to contact her right now which is understandable...but I have no words...she was only 53 and the only the 2nd person I know that has died from school...she had so much life to live and it has been taken away so suddenly...it really makes you think how easy life can disappear...her sister now has to go through all her things...decide on what to do with her pets..do all the financial stuff...just devastated...knew her almost my entire life and now nothing..she is no longer around...I just can't get my head around it...sorry for the rant

more US tax saga..help please!!

March 14th, 2023 at 02:57 am

So our taxes haven't gone into our US bank...and it has been a month since they sent the 1st letter...so we are sure they have sent checks to us...well no bank in or country (at least in our state) accepts overseas checks, we can't contact the IRS unless we call them which costs a lot...especially with our new carrier....so we are not sure what we are going to do...do we send them back with our bank details again, and get them to put them into our account or do we try and sign them and send them to our bank? I don't like that because mail gets lost all the time and I'm not sure they would sign for a letter from us and I don't want the checks stolen.

When we sent in the taxes we stated that our country doesn't accept checks...4 times in a letter on sticky notes pointing to the banking details (yes it is a US account) so just don't know why they have done this....any ideas on what else can be done...and no because we don't have a US address we can't do a loy online...let me know if you have any ideas please!!

always something!

March 5th, 2023 at 03:00 am

Well since our taxes haven't gone into the bank we are guessing they are sending cheques which sucks as we can't cash them here...so not sure what we should do when they arrive...if they arrive!

Also disputing 2 CC transactions that they have taken off our card...we ordered it in 2021 and all was good they had a glitch in their system and recharged me in nov 2022...they said to tell company what happened and get it refunded which I did and then they got back to me and said that the company said that yes I ordered from them and it was to be paid...I kept all the emails and then sent it to my CC company where they said it was a mistake and that I should get it refunded by the CC company...but it can take 6 weeks to process and I'm not going to pay fees, so we will see what happens....I also sent them a nasty email and put a bad review up on their page about ripping people off and lying to us and companies!!

Other than that most bills are paid, we paid for majority of our daughters IUI this month so won't have any savings but we are working on paying off the CC so we can be debt free again...will take 2-3 months then should be done and can start saving again.

Both tax years are done..YAH!!!

February 25th, 2023 at 11:29 am

Wow can you believe it they have completed both years of our taxes so they have finally caught up...we got less than we thought but thats okay...we will see what they changed when we get the letters in from them...we did ask that the money be deposited into our US acct but so far nothing has been put in...not sure how long it takes...just hoping they don't send cheques as they don't cash them over here anymore...and I had it written 3 times in bold letters all over our paperwork...so fingers crossed...or we will have to try send them to our bank which will be hard as we will have to sign them before we send them and if they don't get them and someone else does then we lose it and that would be frustrating to lose $2000....so fingers crossed..they do the right thing...can't believe that they are done and it is only feb...it is a big relief!

We have all been unwell here as we had a week of bad heat 103-110 for a week...it has finally cooled off to 77and it is so nice to the house open and cooled off...we have 1 aircon in our house (we rent) so not much we can do about it...but this year we just aren't coping with the heat..it's weird it use to be my favorite time of year...the garden doesn't know what to do..we had a prolonged winter...then we had a few weeks of spring and things started to grow then it turned cold again...things stopped growing...then a couple weeks nice weather...they started growing again...then really hot weather so nothing has died but never really got much out of the garden this year...hopefully we can improve on that next year....or start looking at winter vegetables...not sure yet...should the prices are ridiculous here for food.

Not much else going on here...next week is pay week and we will pay all the bills and then do a monthly shop so this weekend will be doing a menu, and our shopping lists for the month for groceries/butcher etc...then we just pick up the essentials each week and makes it easier...I can't believe we are almost in march..this year is going by fast

TAX UPDATE!!

February 11th, 2023 at 04:08 am

Well would you believe it...not that many of you read mine or follow it...but I sent this years and last years taxes where they had to be signed for...not sure it would work but they have received and being processed, both of them...so excited for the saga to finally be over and certainly going to be doing this every year from now on!!...Let's just hope that they deposit it into our US acct and not send a cheque

small life update

February 7th, 2023 at 04:06 am

Hello everyone...not a lot happening but thought I would jump online and just update for the last month.

I have sent my US taxes for this last year and the year before (as they still haven't been done) and they were sent over a year ago, I put them in the same packet and then they had tracking and signature so I could at least see if they got them...and I put the date in my phone so I can keep track...So they have arrived and been delivered so guessing they did sign for them and now just have to wait and hope they get them done...hopefully won't be long and if it doesn't take long will do it every year.

Have started a program not doing so great on it as I am reacting to some of the ingredients so its a learning curve and will do it at my pace...which is fine by the owner of the program...but bonus I have had no caffeine in 3 weeks, have been more tired than usual and I am snacking more (need to for the program) so feeling a little better and I'm hoping even though doing it slowly that it will work...only time will tell

other than that life is good, budget is on track, bills are paid for the month, have a little in savings and put some on the CC...I'm prioritizing myself this year and not stressing as much so life is looking better...and more positive...hope everyone else is doing well

 

taxes Done!

January 21st, 2023 at 06:16 am

Finally have this years taxes done and ready to post out...will add in last years since we don't even have confirmation that they have received them and will make it when they arrive that they require a signature so we know they got them...hopefully they will both be done and dusted in the next few months!!

Other than that things are just chugging along...Have found a new program that should hopefully help with health...Im skeptical but will try about anything right now...I can't be left alone due to dizziness and falling etc...and I would really love not to be "babysat" all the time and allow others to live their own life...but going in positive and going to follow it...have nothing to lose and hoefully everything to gain...other things (many of them) and doctors haven't been able to help in 7 years...so maybe this is it...fingers crossed!!...this year will be focused on me and my health...have allocated 1 hr a day to do things for other people and that is it...if I don't get it done then it waits till the next day...making myself a priority....feels weird have never done that before..but time I learnt!!

Hope everyone has a great weekend

Tax time again!!

January 12th, 2023 at 03:18 am

Well it's time to do the taxes for the US again...the thing I hate most every year....so I am going to look and see if I can find someone to do them for me so far they are costing around $290 which many say isn't a lot but when you don't pay that much tax then it isn't worth it...they still haven't even sent confiramtion that they have received lat years which we sent a year ago...thats right a year ago....and still nothing...maybe I just won't do them...would they even know..we always get refunds so it would be saving them money and they don't really seem like they know what they are doing...so they probs wouldn't even know if we did them or not...see how I feel...this years taxes seem different again from last year and not like we can call to find out...oh well!!

We have a week of almost the 90s here...not looking forward to that...but won't be doing much eitherway to hot..everything else is doing good my feet are healing, hubby is feeling a bit better, budget is on track..looking quite good right now

welcome jan

January 4th, 2023 at 01:50 am

Wow my budget is doing well so far...we have all our bills paid for the month or put away ready to come out when they are due, have started an account for this years christmas already, have grocery and gas money out...we have chosen to go back to cash as it is easier to keep track of as we were spending way to much on groceries...and cash works for us..I am back to meal planning and writing a shopping list...this week was a bit hard as we try to do all grocery shopping in 1 day as we use butcher/farmers markets and grocery stores and being the beginning of the year they werent all open..so that will be easier next week...but we just need to get to the butchers which my daughter will do tomorrow as she is running some of her errands.

A couple things that weren't in the budget that we will need to pay for is my hubby is going to see an integrated pharmacist/nutritionist...they can be expensive but worth it...and I think it will really help him.

And our oldest we will be paying a majority of her next iui as she has used up all her money and doesn't have enough and we don't want her to have to wait any longer than feb....she never asked we offered as she does so much for us (she lives with us) and she is the most deserving kid around, she never asks for anything and always helps us out with anything...

Other than that things are on track...so our CC and savings might be knocked back by a couple months but that should be ok...

UPDATE: ended up in the ER as I burnt/blistered my feet real bad, they ended up cutting the blisters off and wrapping them because they are on the sole of my feet (top part) I can't walk which is really frustrating so won't be doing much the next few days

2023...we are ready for you!!

December 29th, 2022 at 02:15 am

Well my budget is done and ready to go, I have gone back to cash for my groceries and gas....easier to keep track of, I have started menu planning again this week which makes it easier to do the grocery shopping. 

My nephew has his licence test this saturday...my hubby is suppose to be taking him out to practice (he has been teaching him) but doesn't want him to be nervous....but hubby ended up in the hospital yesterday...they thought stroke..but it wasn't but he has a narrowing in the artery to the brain that they found in the cat scan....they tried 4 times to do mri yesterday and he couldn't handle it...if he lays flat he gets major reflux...so they are going to sedate him somehow today and try get it done...haven't heard yet...so we will see what they find and what happens next!!

our houseis all tidy everything put away (christmas stuff)..we had a few days around 100 so didn't do much as was to hot..have another couple coming up new years day...so won't do much for that either...but the house has been spring cleaned (including some cupboards and windows) and now we just need to take everything back to storage...and start tidying up the shed so it is usable again...always something to do.

...probably won't be on here before then...so Hope every has a safe and happy new years!!🍾

MERRY CHISTMAS EVERYONE!!

December 24th, 2022 at 02:47 am

It is christmas eve here and I am taking a break from all the meal prep/sa;ads etc that we are making today ready for tomorrow...yes most sa it is weird but we are in summer here so a cold lunch is always better for us and so much easier...it's going to be a small christmas with about 8 people but that is enough...christmas gifts are wrapped and under the tree (including the animals), we have given gifts out to our vat/chemist/doctors and local hospital ER (we do this every year)...and we are ready eat to much and be merry and have fun catching up with everyone...and hopefully have some fun with our lucky dip game.

Someone in our street threw on  the kerbside an old outdoor swing seat...it is still very sturdy and it has no cushions..so my daughter and I bought it home..will paint it and add a cushion and it will be good to go...will leave on our front porch and just look at the ocean...can't wait...and not much cost to fix it up.

I am really looking forward to the new year and all that it brings...especially our budget...feeling positive

So I want to wish you all a merry christmas and a prosperous new years ...stay safe and enjoy yourself whatever your plans may look like


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