We had a quiet weekend, apart from grocery shopping we went out for an afternoon drinks at a café/bar in a nearby golf course.
Grocery = we didn’t get much, spent $24.15 in total.
Outing = Spent $33
DH had to do a back-up of my computer and then he cleared everything in my computer and then re-installed everything. I think my computer has needed doing that for months now. So I haven’t had time to do my spreadsheet for this year and to write a blog post for the last week.
Anyway, recent spending for the first 2 weeks of this year:
Groceries – Week 1 = $59.09
Week 2 = $72.99 – We went to the market on Sunday, got the sweetest strawberries I’ve ever tasted for $5 for a kilo and also got 2.5 kilo beetroot (with a freebie small pumpkin) for $6. Then we went to a nearby pier to buy a kilo mussel off someone’s boat for also $6. Then we bought fish and chips nearby and had an impromptu picnic by the water.
New Kettle – Our 10 year old kettle stopped working last week. So we bought a new one for $59.
Insurance – Today both our car and home insurance got paid. Car is $455.35 and home is $651.44. We managed to lower the car insurance by changing and upping the excess.
Garden – since Christmas we have been getting a steady harvest of vegetables (tomato, cucumber, beans, zucchini, and herbs). I’m really enjoying gardening this summer but in the last few days we have been experiencing a heatwave and we haven’t had a decent rain since about a week from Christmas.
I’m pretty much sticking to last year’s goals with only slight difference and added a couple of things that might be fun to do.
*Add $40K into Investments.
I’m lowering it this year since we’ve increased contribution to DH superannuation (retirement fund).
*Stick to $3K budget for Holiday.
* Keep saving money for that “Challenge”
*Read 200 books.
I read 180 in 2018, I want to see if I can make it to 200 this year. So far, I haven’t done much reading but I’m starting to get into my routine again.
*Continue learning Spanish.
* Wake-up early workout and or meditate 5 times a week.
Let’s see if I can do better at this in 2019.
*Blogging once per week.
Good habit for me to have.
*Learn to draw.
Also other thing that I really want to work on is menu planning and having a shopping list that is based on that menu plan. First that I want to do this week or so is to go through our pantry and freezer to take stock of what we got at hand. It is good time right now for us to eat out from the pantry and freezer.
TOTAL = $30,651.89. This not too bad I like our spending to be at $30K per year but the camper trailer and other purchases made in December really what push it over. Overall, I’m fairly happy with it. It included 3 holidays and some purchases. It also included bills that we pre-paid which should benefit us in 2019.
Household Expenses - $12,576.93
Transportation - $4,201.30
Entertainment - $2,086.28 (for 2019 I’m hoping to cut down on our takeaway food purchases)
Personal/Medical - $3,821.41
Other Expenses - $1,878.57
Holiday Expenses - $4,754.63
Xmas/Anniversary& Birthdays - $1,332.77 (we end up spending a bit more for Christmas than I was hoping).
Now let’s see what 2019 brings…
Happy New Year everyone!
This is very late because we had guests for almost 2 weeks and it has taken me a while to get back on my routine.
Total for Dec was $4,394.98
Grocery - it was by a lot, $448.14, extra 3 adults and a toddler can cost a bit.
Household goods – we bought a portable air conditioner, bed and bed frame for a total of $1,243.97.
Christmas Expense for December - $524.84
Car Registration – We renewed our annual car registration for $816.50. We looked at paying it quarterly but it would actually cost more.
Entertainment – We went out with our guest a few times, $268.59.
*Put as much money we possibly can into Investments (at least $45K). -DONE
*Save $4K for Holiday money. – Didn’t spend any this month
*Save $5K for future House Repairs/Future Remodel. – Spent $188.50, mainly fixing the main bathroom for our guest.
*Read 70 books. – didn’t have time to really read.
176 Breakfast with Einstein - Chad Orzel (2 Dec) - Audio
177 Saga Land - Karl Gislason & Richard Fidler (11 Dec) - Audio
178 The Spider and the Fly - Claudia Rowe (18 Dec) - Audio
179 The One Who Got Away - Caroline Overington (19 Dec) - Audio
180 The Fox - Frederick Forsyth (20 Dec) - Audio
*Learn Spanish. – still at it everyday
*Workout 3/4 times a week. – what is workout? Lol. Massive fail!!!
*Try new recipes every other week. - I’ve tried a bit of fermentation and I think a new recipe in the bbq.
*Blogging once per week. - failed
*Continue Garden/Landscaping. – yes still tiring out the front lawn, almost done. The back garden has been neglected and is not cover with pumpkin so we will have to wait until they are gone before we can finish the concreting bit.
*Wake-up early (before 7am) – yes but I finding myself slipping a bit. At one stage I was waking up around 6 am or just before but lately I’ve been getting up at 6:40am
*Continue Decluttering. – did it with the Christmas items.
I’m so busy at the moment but I want to record this.
Grocery = $76.96
Gift Card = DH won a $150 worth of gift card at his Christmas lunch at work. He was one of I think about 30 people that won a door price. We are glad that he won the gift card instead of the other prices that we don’t really need or want. The gift card is for one of the main supermarket chain here (called Coles). We decided to put $50 of it towards the “Challenge” and the rest for Christmas food.
Garden = It has been raining a lot here lately so we haven’t done anymore concreting between the rocks. But I have been so busy with something anyway. Probably won’t have another time to do it until after the holidays.
I’m currently fixated with gardening, in particular trying to grow carrots. I’ve been spending too much time watching gardening videos on Youtube.
We are still doing the cementing thing in one of the garden bed, when it is done I will post a photo. We are trying to do one bag a day but sometimes when the weather is either too hot or raining we can’t. I tried to do it by myself but it was hard to try and get it done before the mix gets dry. We are so much in a hurry now that the rocks are back on its place. For few days we had to roll them off to the lawn area and that made the lawn yellow. They are still a bit yellow now but I’m hoping with some rain coming our way in the next few days it will be green again.
Grocery - We went to another market this one was the best so far. Overall, grocery spending for the week was $74.85.
Lunch out – We had lunch out to get together with friends to celebrate Christmas ($44.50).
Was meant to post this yesterday but my internet wasn’t working properly when I had time to do it. Anyways…
Grocery = $72.46. We went to another farmer’s market on Saturday. This was better than last weekend but they had a $2 per person entrance fee, although it went to the Rotary Club so I didn’t mind too much.
Electricity bill – We got the last one for the year and it was a credit for $49.46. so I’m happy about that.
Cements = We had to buy 6 bags of 20kg of cements to put between big rocks that border the back garden. It has been a lot of work, we have been at it since the weekend. We took the rocks off, they are heavy - some of them are about 40-50 kilos in weight. Then we had to make sure to get rid of weeds and grass roots that have gone under the concrete that is between these rocks and the lawns. And now we are putting it back together again and also making sure to put cements between the gaps. We are only half way and I think we will need another 6 bags of cements.
Total for the month of November is $2,490.82.
We mainly spent it on:
Grocery = we were under budget, spent $236.29. I’ve decided to put $20 in the challenge because we are under this month.
Household Expenses = $500.87, it was mainly for the Skip Hire.
Transport Related = $290.96, DH hasn't been taking the early train and this also includes fuel and the registration for the camper trailer.
Entertainment total = $184.93
Gifts = was high this month because of my cousin’s wedding, that was $300 for the month.
Holiday (November portion) = $269.49
Christmas = $253.51, started getting stuff for Christmas. This year and for the past few years I budgeted $1,200 for our birthdays, anniversary and Christmas, we didn’t spend much for our birthdays and anniversary this year so we got a bit of money still in this category. We still got over $800 in it available for the rest of the year. I don’t intent to spend this much for Christmas though, hoping to only spend half.
**CHALLENGE** we had 10 NSDs in November so $30 to the Challenge Fund plus the $20 from the being under in grocery, so $50 for the month. I still need to set up an actual bank account for this. For now it is just written down in my spreadsheet.
*Put as much money we possibly can into Investments (at least $45K). === DONE!!!===
*Save $4K for Holiday money. = We have now spent $4,754.63 under this category because of the camper trailer.
*Save $5K for future House Repairs/Future Remodel. = We will most likely end up spending around $1K under this category this year, not too bad.
*Read 70 books.
160. The Scandal - Fredrik Backman (3 Nov)
161. The Travelling Cat Chronicles - Hiro Arikawa (9 Nov)
162. Big Little Lies - Liane Moriarty (10 Nov) - Audio
163. Zealot - Reza Aslan (13 Nov)
164. Started Early, Took my Dog - Kate Atkinson (14 Nov) - Audio
165. Smiling Mind - James Tutton & Jane Martino (15 Nov) - Audio
166. The Rosie Project - Graeme Simsion (17Nov) - Audio
167. #NOW: The Suprising Truth About the Power of Now - Dr. Max McKeown (17 Nov) - Audio
168. The Brain that Changes Itself - Norman Doidge, MD (18 Nov) - Audio
169. The Hidden Life of Trees - Peter Wohlleben (20 Nov) - Audio
170. Aristotle's Way - Edith Hall (21 Nov)
171. Revenge - Andrew Holmes & James Patterson (22 Nov) - Audio
172. The Lion Tamer who Lost - Louise Beech (25 Nov)
173. The Brain's Way of Healing - Norman Doidge (27 Nov) - Audio
174. The Science of Getting Rich - Wallace D. Wattles (28 Nov) - Audio
175. Dark Emu - Bruce Pascoe (30 Nov) - Audio
In the last couple of weeks I’ve spent a lot of time in the garden, didn’t have as much time actually reading but I been loving listening to audiobooks while gardening.
*Learn Spanish. = Still going everyday
*Workout 3/4 times a week. = failed but I been doing so much physical work in the garden that I been going to bed dog tired.
*Try new recipes every other week.
Made lemon tart and tomato chutney for the first time.
*Blogging once per week. = I missed one when we were away
*Continue Garden/Landscaping. = We did a lot and still going.
*Wake-up early (before 7am) = yes
*Continue Decluttering. = YES!
Grocery = $91.25, bought a bit of fish for the freezer, $23 worth. Also we went to some sort of a market on Sunday, it was supposed to be a farmer’s market but there weren’t many farmer’s there at all.
Wedding = Last week a relative of mine got married we gave a $200 cash gift.
Garage sales = high chair for $1, this will be for my little niece when they comes for Christmas. It is still very good the guy just wants to get rid of it because they are selling up. There was also another garage sale on the same street and I got a set of lamps for $15. I want to build a headboard and I think I can used these lamps for it.
Garden = On the way home from the market we saw a sign for horse poo for sale, we end up getting a $7.50 worth. It better value than getting from the store. The best thing I got from the market were seedlings, they were only $1 each. I end up spending $12.
Christmas stuff = Got some more random stuff for Christmas to put under the tree (that’s if we are getting a tree this year???)
Making Sauerkraut = I made sauerkraut, for the first time ever.
Lunch out with friend and her family = On Saturday DH and I had lunch with a friend and her family. For some reason they end up paying for lunch so we picked up the bill for coffees and cakes afterwards, $18.50.
Change Registration Plate for Camper Trailer = DH had to get the registration for the camper trailer transferred to our state. He ended up spending $96. This included some once off fee, it will eventually be $59 per year.
Grocery = $55.91, a fairly regular shop. Got a good deal on broccoli, 4 heads for a dollar, it was great baked with cream and cheeses.
Clothing = bought a dress for a wedding that we are going to be attending this month, that was for $46.
Cleaned the Garage & Hired a Skip = we spent most of our weekend cleaning the garage and throwing out stuff we couldn’t get rid of during our annual hard rubbish collection. Mainly broken bricks, building materials and we also dug up rotten wood borders that held our front lawn. We have also started digging up our front lawn (or should I say front weeds). Since we cut down the massive palm tree in the front yard we can finally do more work there. The roots are still there and it would probably few years for it to compost so we will just work the design around it. So far I am happy how it is going. We put some soil that was under the lawn on top of it and I put in some seeds to see if it is any good at all. So far a couple sunflowers are growing and some radishes. I’m hoping radishes will help break up the soils a bit. I also put is some flowers (seeds), not much luck yet though.
Dinner Out = after all that hard work we had dinner our on Sunday. We had Vietnamese food for $36.50.