Emergency Fund:
I had to get some more money out of out EF. We’ve had a death in the family and we decided to give some money for hospital bills and funeral expenses. Right now our EF is down to ~$5,600. I will not put any money into it until next year.

June Expenses/Budget:
Sorry this is a bit late but as you can tell from above we’ve been busy. We went over again! A lot of it was because I bought/prepaid train tickets. Also we have been driving a lot lately, and so our Transport exp was through the roof.



DH’s medical bill reimbursement:
DH received a letter from HR yesterday telling him that they will be reimbursing his medical exp earlier this year. It will be deposited into our savings account on the 22nd, it will be over $600. Right now I’m just trying to figure out how to deal with this money in our 19K challenge. I don’t want to classify it as an income. I need to put the money back into the personal/medical category of our budget. Right now all I can think of doing is to put it in as a negative amount to nullify the previous expenses. It’s really not a big deal - this is only for our challenge. I’m just glad that we are getting some money back, now we can spend it on things that I actually budget it for, dental and optical expenses.

DH’s pay rise and overtime:
Here is Australia, July is the start of new financial year and usually means for DH it a pay rise. It’s not much but it’s something. We don’t really know yet how much net per month, maybe $100 per month after tax and superannuation is taken out. Right now I would like to put it all into the mortgage.

This month’s DH pay should be a little more than usual, on top of the pay rise and reimbursement he has also done a bit of over-time, maybe few hundred dollars worth. I can’t wait til tomorrow for his pay day.

July Budget:
There are a lot of utility bills due this month so I’ve budgeted a bit for it this month.