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Archive for November, 2012

NOVEMBER 2012

November 29th, 2012 at 04:13 pm

Today is our last day of the month, the property rate will be taken out of the account today. We are done with this month.

Grocery - $272.68 (over $52.68) *We were way under last month on this so we were low on some item this month.*
Utilities - $102.45 (under $97.55)
Rates - $142.00 (under $0.46)
Home Phone - $14.95 (under $55.05)
Mobile - $70.00 (over $20.00)
Internet - $55.00 (even)
Fuel & Fare - $199.84 (under $0.16)
Health Insurance -$249.21 (under $0.79)
Entertainment -$116.70 (over $6.70)
Gifts -$0.00 ($50.00)
Personal/Medical - $85.65 (over $25.65)
DH Allowance -$100.00 (even)
DW Allowance - $75.00 (even)
Miscellaneous - $65.55 (over $35.55)

TOTAL = $1,533.57 (under $63.43)

Had 9 NSDs so $90 into my Sunny day saving fund.
Household fund and Xmas Fund is now fully funded.
Have also put in another $1,650 in to the Holiday Fund Smile .


Thinking about 2013

November 27th, 2012 at 07:44 pm

I have been looking at our budget/spending (the 21K challenge) this year and also our potential spending plan for next year. By the end of this month we will have just under $3000 left for the month of December but according to the budget we could live off on $2,400-$2,500, so in the end of this year we will be under budget by around $500-600.

Next year we will most likely try to do the $21K challenge for the year again. The number will change in some categories. I know that utilities, health insurance and transportation costs will be higher than this year.

Also been making plans for a holiday that we will be taking in February next year. We have already booked the flights, my mum is going with us and we are paying for her too. We are budgeting $10K for this trip, by the end of the year we should have 75-80% already of it save so another ~$2K to go for next years budget.

I'm anticipating lower income next year but our goals and budget will be very similar to this year. Wash-rinse-repeat...

Extra Mortgage Payment

November 27th, 2012 at 03:18 am

Put in another $1,500 into the mortgage last night.
Current balance is now just under $114K.

Gardening

November 18th, 2012 at 09:15 pm

Today I pulled out 1 red radish from the garden, the first one for this season. This is the first time I've ever grown radish, they are actually really easy to grow here it has only been 6/7 weeks since I planted the seeds. I will definitely be growing these again.

The strawberries I planted about 3/4 months ago (in winter) have now got lots of fruits, probably another month before I can harvest, although there is one big one already that will probably be ready in 2 weeks time.

The tomatoes seedlings that I planted 2 months ago have now got lots of green tomatoes, not long now for those.

The zucchini, cucumber and beans are slowly growing.

Lunch Date

November 13th, 2012 at 09:54 pm

DH forgot his lunch in the fridge this morning, silly boy. He called me around 10 this morning to let me know and to ask if we could used a restaurant voucher we got 2 months ago. The voucher is lunch for two to the value of $45, we bought it for just $19. I was happy to come along, it was a beautiful day today so it was nice to go out for lunch in the city. I got cajun chicken salad with a bottle of coke and DH got wagyu burger with salad, fries and bottle of lemon and lime drink. Not bad value when normally the burger with salad and fries is worth $19 itself.

It was a really nice unplanned day out.

Mortgage

November 12th, 2012 at 05:34 pm

Good news for the first time ever this month more than half of the pay of our normal monthly mortgage payment went to principal.

October payment = $1218
Interest = $609.45
Principal = $608.55 (it was so close to it last month)


November payment = $1218
Interest = $595.48
Principal = $622.52 (YEAH!!!)


Goals

November 11th, 2012 at 08:21 pm

Friday was payday and we have now achieve all our financial goals except for Goal #3 which I think we should be able to get out of the way by the end of this month.

Not much is really happening here financially, still putting every little bit of extra money into the mortgage. Anything extra into it for here on until the end of the year is just a bonus for us now.

NOVEMBER 2012 Spending Plan

November 7th, 2012 at 10:12 pm

Grocery - $220.00
Utilities - $200.00
Rates - $142.00
Home Phone - $70.00
Mobile - $50
Internet - $55.00
Fuel & Fare - $200.00
Health Insurance -$250.00
Entertainment -$110.00
Gifts -$50.00
Personal/Medical - $60.00
DH Allowance -$100.00
DW Allowance - $60.00
Miscellaneous - $30.00

TOTAL = $1,597.00

OCTOBER 2012

November 4th, 2012 at 09:12 pm

Grocery - $95.48 (under $114.52)
Utilities - $189.36 (over $9.36)
Rates - $142.00 (under $0.46)
Home Phone - $14.95 (under $10.05)
Mobile - $15.00 (under $15.00)
Internet - $49.95 (under $0.05)
Fuel & Fare - $222.61 (over $22.61)
Health Insurance -$249.21 (under $0.79)
Entertainment -$249.21 (over $59.45)
Gifts -$32.00 (under $68.00)
Personal/Medical - $29.95 (under $70.05)
DH Allowance -$100.00 (even)
DW Allowance - $75.00 (even)
Miscellaneous - $3.69 (under $26.31)

TOTAL = $1,448.19 (under $213.81)

Had 8 NSDs.
Put in more money into the mortgage.
Holiday Fund goal is now done.
Have also put a bit into the Household Fund.
We went away twice last month, at the start of the month and at the end.