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Archive for January, 2018

WEEK 2

January 15th, 2018 at 06:12 pm


Grocery - for the week $74.21

Household - we did some work around the house. Changed our water filters that cost $56.98.
Bought few bags of topping soil for the back lawn, it was just under $25.

Train fare – DH topped up his pass $50 worth.

Gas – Gas for the house was $84.60 for the last 2 months.

Quiet week we are having.

Week 1

January 10th, 2018 at 01:48 am

Not much spending yet which is good.

So far:

Grocery - $36.10

Internet - $65

Gas for the Car - $36.26

Movies - We went out and watch a movie for $26. DH bought the tickets on-line for only $13, that was $9 savings per ticket.

Health Insurance - $163.23

2018

January 2nd, 2018 at 11:06 pm


Here are my goals for this year. I’m finding it hard to have many financial goals these days. When I first started blogging 11 years ago I think 95% of my goals were financials. Everything is just automatic for us now. We don’t really need to do much just keep an eye on our spending to make sure it doesn’t get out of hand.

Financials-

*Put as much money we possibly can into Investments (at least $45K).
*Save $4K for Holiday money.
*Save $5K for future House Repairs/Future Remodel.


Other –

*Read 70 books.
*Learn Spanish.
*Workout 3/4 times a week.
*Try new recipes every other week.
*Blogging once per week.
*Continue Garden/Landscaping.
*Wake-up early (before 7am)
*Continue Decluttering.

Reviewing 2017 Personal Finance and other Goals

January 2nd, 2018 at 02:59 am


Overall spending for 2017 was $36,679.59, the $7,336.79 of it was to pay off the mortgage. So $29,342.80 of it was for everything else. As long as we can keep it $30K or less per year is ideal for us. $35K per year will be the target if we go overseas for a holiday.

There were only really a few of things that we went over budget. The worse one was Car Repairs and Services that was over by $1,304.90, the budget was for only $700 for the year and that have been fine most years. Unfortunately, there were few things that we had to get fix and replaced in 2017. DH’s train fare was another item that went over budget by $262.84 but the good news though is that fuel cost for the year for our car was under by $394.15, so they kind of cancelled each other out. Another biggie that I’m not particularly happy about is we way over in the Takeaway by $349.35 but this was then again offset by under spending in Restaurant category by $487.98. But still getting too much takeaway was bad.

The rest of our spending’s were fairly spot on to what we budgeted for. I will still need to tweak few things around for 2018 though. I probably should increase Car repairs and services since our car is really old now. Also need to decrease Private Health Insurance but increase Medical since we are now paying for dental and optical with cash without rebates.

~~~~~OOO000OOO~~~~~

My goals for 2018 were:

Financials-

*Pay off Mortgage – DONE!

*$30K into Equities/Investments – We did really well this year in putting money into our investments, more than we thought we would be able to.

*Save $5K for Holiday money – We only spent $1,822.66 this year so we will be rolling the balance ($3,177.34) over to 2018. In 2018 I aim to save $4000.

*Save $5K for future House Repairs/Remodel – Spent $1,366.50 in 2017 so we will roll over $3,633.50 into 2018. Our goal for 2018 is to save $5,000 again for 2018.


Other -

*Read 50 books – DONE, read 64 books.

*Workout 4 times a week - I did really good at the start of the year but faded in the last couple of months.

*No buying soft drinks – I did excellent here.

*Blogging once per week – I think I did fairly well, only missed few times and that was because I had nothing to write about.

*Garden/Landscaping – We have done some work and will continue in 2018.

*Flossing everyday – Done very well at this and will hopefully continue doing it from here on.

*Wake-up early (before 7am) – Very BAD, probably only done it 30% maybe even less. I need to better in 2018.

*Decluttering – We have done well at this and hopefully will continue to do more in 2018.

*Organise my emails – DONE.


I’m now looking forward to achieve more of my goals in 2018.

Dec 2017

January 1st, 2018 at 01:00 am

This is just a quick rundown on what happened in Dec 2017. I will be posting the overall 2017 numbers next anyway.

Total expense for the month was $3,453.49.

Groceries - $310.88 (this does not include Christmas food spending)

New mobile phone - $210

Garden – spend a little bit of money for the garden $43.13

Car Registration – the biggest cost for the month - $800.80

Eating out - $162.30 was on the high side.

~~~~~O0O0O0O~~~~~

Reading – I took time off from reading this month. I think I’m going to increase my goal next year to 70 books for the year.
63 The Girl Who Takes an Eye for an Eye - David Lagercrantz (2 Dec)
64 The Paradox of Choice Why Less is More - Barry Schwartz (4 Dec)

Decluttering – I’ve been doing a bit more decluttering again. I throw away a lot of old magazines and bunch of books I will never read again.