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Spending this week

May 25th, 2017 at 08:53 am

Grocery - $106.72

Transportation – Fuel -$40.50 and Train Pass - $137.76

DH had 2 lunches out – Total $35.00

Internet and Home Phone - $80.00

Tolls – Finally got the total amount for the tolls we used last month –$ 42.87

Not much happened this week really. The only thing worth reporting is we took a booth full of stuff to the Salvations Army. It was to get rid of more excess stuff.

March numbers

April 6th, 2017 at 04:55 am

We spent a total of $3,046.63 for the month of March. The biggest expense was the car repair. And utilities this month was higher than average, had to pay for gas and water bill. DH train tickets were $207.76 higher than normal but that’s because in Feb he didn’t spend any. The grocery bill was right on budget $299.72.

And oh… first month of NO MORTGAGE REPAYMENT!!! This reminds me we still haven’t heard from the bank, no paper work. I guess DH will need to ring them up? We really don’t how all this work.

Books -
A Tale of Two Cities - Charles Dickens (22 Mar)
Autobiography of Thomas Jefferson - Thomas Jefferson (26 Mar) (Not what I expected, don’t think I really understood most of it but some stuff, the once that made sense to me, was very interesting)
Blindsided - Jay Giles (30 Mar)

Workout – Still at it although some weeks I end up doing only 3 days but then I make up for it the next by doing 5days.

'no buying soft drinks' – Still haven’t had any this year. This rule is supposed to be only not buying it at the supermarket hence I won’t keep any at home, there was supposed to be an exception to this rule like buying it at a restaurant to go with dinner is alright. I haven’t been tempted yet which is good.

Blogging once a week– I'm still going even though I suck at it.

7am wake-up – technically I have been waking up at this time but sometimes I stay in bed to read or look social media for half an hour or so before actually get out of bed. :P

Decluttering – I’ve got rid of about 10 pairs of shoes/slippers, also a couple handbags and a wallet. Been scanning a lot of paper work and have shredded them. Also been keeping up with my email inbox.

Gardening/Landscaping – Still doing it but not enough, once the weather is a bit cooler we should be able to do a bit more work on it.

FEB 2017

March 7th, 2017 at 01:25 am

FEBRUARY NUMBERS –
Mortgage was $918.79.
Other Expenses totalled $1,338.76, I love Feb it’s normally a very low expense month. There was no utilities bill due this month.

Books – Not as many as Jan but I started another 3 books around the same time last month - don’t know why I did that. Also in the last week or so we decided to try out Foxtel (cable), so instead of reading I’ve been catching up on GOT, The Walking Dead, Wentworth and so many other shows that only on Foxtel. We only got the free trial for 2 weeks, ending this Friday so I’m trying to watch it as much as I can humanly do.
Kill Switch - Steven Lee (4 Feb)
The Whisper of Stars -Nick Jones (8 Feb)
The Devil's Secret - T.G. Stevens (10 Feb)
Someone to Love - Jude Deveraux (15 Feb)
Avoidables - Rachel Medhurst (18 Feb)


*Workout 4 times a week – did alright on this. I’ve finished the program that I was following and I’ve now again started it, another 4 months of it.

*Continue the 'no buying soft drinks' rule this year. Still haven’t bought any.

*Get back to blogging, at least once per week. Done

*Re-do landscaping in both front and back yard. Still working on it, this will be a year-long projects.

*Use floss and piksters everyday. Have not failed yet

*Wake-up before 7am. I’m failing at this miserably.

*Continue getting rid of "Stuff". Still doing well I got another big bag of stuff I need to take to goodwill. I’ve also shredded a lot of papers.

*Organise my emails. I still need to do this and worst thing is that in the last few months I’ve been getting a bit of spams.

EOTM - Jan 2017

February 1st, 2017 at 10:23 am

In the last week – I was not feeling too good on Thursday and Friday so I mainly watched the cricket game and Netflix. Saturday we went to the beach an hour away, spending for the day was $54.74 for fuel (first time filling up this year) and $12.50 for lunch, fish and chips. Sunday got some grocery for $16.90.

End of the month numbers - Total expenses was $3,148.99, it was big month mainly because of the annual insurance bills for the home and car. Spent another $6,418 for mortgage repayment, interest for the month was only $32.44. Technically, we are now mortgage free. DH transferred the money to Citibank CC (ready credit), that is where our monthly mortgage payments gets taken out, it will most likely get taken on Friday. Then it will be celebration time. So this month we can start on other financial goals, I cannot wait.

Non-financial goals so far:

*Read 50 books – Books I read this month:
Inferno - Dan Brown (6 Jan) – I started this last month
Between You and Me - Lisa Hall (7 Jan)
Noble Beginnings: A Jack Noble Thriller - L.T. Ryan (11 Jan)
Malevolent - Jana De Leon (16 Jan)
Over You - Christine Kersey (20 Jan)
I Spy, I saw her die - Ian C. P. Irvine (25 Jan)
Taken by Love - Melissa Foster (31 Jan)

.
*Workout 4 times a year – did well until last week, I only did two last week, I wasn’t feel to good last week the hot weather was getting to me. I’m trying to catch up this week, will try to get back on schedule.

*Continue the 'no buying soft drinks' rule this year. Still doing well on this, luckily DH doesn’t really care for them so it make it a lot easier.

*Get back to blogging, at least once per week. Check

*Re-do landscaping in both front and back yard. Still working on it, this will be a year-long projects.

*Use floss and piksters everyday. Check

*Wake-up before 7am. I have been trying to get up around 5am this week. Still working on this, again I was doing well until last week when I wasn’t feeling too good.
*Continue getting rid of "Stuff". Aim for this year is to get rid of around 10% of our stuff. I got rid of about 15-20% of my clothes in my drawers and just started on DH’s drawers today.

*Organise my emails. I need to get started on this soon

Quiet week

June 26th, 2013 at 03:11 am

Not much is happening here, just waiting for the month to end to finalise our finances.

We've are having a lot of NSDs this month, which obviously good for the finance.

I just fully funded goal #3, I can now tick that off the list.

Goals

November 12th, 2012 at 04:21 am

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.

OCTOBER 2012

November 5th, 2012 at 05:12 am

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.

Goal #1 is DONE!

September 16th, 2012 at 12:51 am

DH got paid on Friday and he put in another $3,000 into the mortgage. So happy because we are not under the $120K mark in our mortgage and that means Goal #1 is DONE! Its good to get that out of the way, so much earlier than I expected. When I came up with this goal at the start of the year I thought it was going to be really hard to get it knowing that income will be few thousands lower than last year. The interest rate cuts this year helped a bit in achieving this goal easier, unlike last year where interest rate went up few times throughout the year.

Mortgage Current Balance = $119,690.85

I deposited my cheque on Friday as well it probably wont get through to the account until Tuesday. So I went to the city to do it and had a late lunch with DH (just a quick sushi near his work) and then afterwards just did a bit of window shopping in a hope to get ideas for Christmas gifts and was also looking to get a birthday gift for DH but I could find it. I think can only get it online these days. I did get a free vegetable peeler just for watching this guy in one of the department store demonstrating a set of knives for about 5 mins. I needed to take a break from all the walking that Ive done by that stage anyway (I did really well this day with my walking challenge). I then meet up with DH and few of his workmate for drinks. We went to a nice German pub for happy hour they had a really nice refreshing beer. And then after that DH and I went to have dumplings for dinner (less than $15 for dinner and a can of coke, great value). I think the whole day only ended of spending about $50, not bad (DH covered the drinks and I picked up the bill for the dumplings). We both got a bit saved up of our allowance at this stage so we dont mind spending a bit of it, although I still want to save up as much of my allowance for when we go on holiday sometime next year.

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12 Sept: 10,414 steps (getting to 10K is getting easier now Smile)

13 Sept: 11,251 steps

14 Sept: 18,087 (the window shopping did it, although my legs that night was so sore I had to get a massage)

15 Sept: 10,256 (took it easy yesterday, my legs needed to recover a bit)

Unexpected Payday

December 24th, 2011 at 09:58 am

Yesterday when DH got home he checked his email and was suprise to find a payslip, informing him that he got pay that day. He wasn't expecting this for another 2 weeks. Apparently, DH will get paid every two weeks now, instead of every 4 weeks. I've pretty much closed this year financially but my goals for next will need to be change.

Today DH put in another $1000 into the mortgage, so now we are under $150K to start the new year. Also with this extra money I can take 2012 goal number 2 off from my previous post because it is now fully funded. Cool, we achieved a goal before actually starting.

I think I'm gonna like getting DH's payday every 2 weeks, a lot less waiting.

2009 goals review and 2010 goals

January 2nd, 2010 at 11:34 am

These were our 2009 goals:

1.Save $1K p/m into Saving/Invest
TTD = $12,000 (100%) DONE Dec

2.Add $5K into the Household Fund (Jan-May).
TTD = $5,000 (100%)DONE Apr

3.Add $3K into the EF (May-Aug).
TTD = $3,000 (100%)DONE May

4.Add $4K into the Car Fund (Aug-Nov).
TTD = $4,000 (100%)DONE June

5.Put $1K into 2010 Xmas/Ann Fund in Dec.

6.Any extra (up to $1K) put into Holiday Fund (as a reward!).
TTD = $1410

I achieved all but 1 goal in 2009 but it was because I changed my mind about it. I've decided not to fund goal #5. Instead I am moving this goal to 2010. Because we needed to put as much money into our household fund that is why I didn't bother with putting money into the 2010 xmas/anniversary fund.

Anyway this is our 2010 Goals:

Goal 1: Save $1,200 into the Christmas/Anniversary Fund.

Action Plan: This goal will be achieve by saving $300 per month from Jan to April. This money will keep in one of my online saving account until needed.

Goal 2: Save $1,500 into the Holiday Fund.

Action Plan: Will also be adding $300 per month from Jan to May for this goal.

Goal 3: Save $10,000 into the Household Fund (this is mainly to be use for more house renovation).

Action Plan: For the first 5 months of the year we will put any extra money into this goal after goal 1 and 2 has been achieved every month.

Goal 4: Add another $2,000 into Baby Fund.

Action Plan: Put away $500 a month from June to September.

Goal 5: Add another $2,500 into the Car Fund

Action Plan: Put away $500 a month from June to October.

Goal 6: Save or Invest $10,000. This year most of this money will go towards prepaying the mortgage.

Action Plan: We will put any extra money towards this goal from June to December after goal 4 and 5 has been covered.

Other non-financial goals:
• Read at least 20 books.
• Do more stretching and more active activities, such as running, swimming, etc. Do this 2-3 times a week. I will keep track of this in my Wii Fit data.
• Keep caffeine and sugar consumptions low.


That's for my 2010 goals. I will write about our 19K challenge tomorrow

May 2009: EF fully funded for the year

June 1st, 2009 at 06:47 am

May was expensive month but thanks to tax refund we managed to fully fund the EF for the year (so Goal #3 is Done - few months ahead of schedule!). We now have have 6 months EF worth of living expenses (not including mortgage payment). I think this is enough EF for us for now, we will re-evaluate it again next year.

We have also started funding the Car Fund (Goal #4), I am really really really hoping to fully fund it in June. I think if we do well this month, that is be very good with our spending, we should be able to do it. Plus I should be getting the $900 stimulus payment, which should be enough to achieve goal #4. Things that we could cut down are: groceries, entertainment, allowances, no buying clothes and other useless stuff. Oh well, here's to hoping.

Eventhough we spend a lot in May we still had 10 NSDs. $19K challenge is still doing well, the only thing that I'm trying to pull back is the grocery spending. But I guess that's what the miscellanous buffer is for


BTW, I kind of noticed that not many people are blogging these days (esp some of the regulars). Is it because it's now summer in the US and people are out and about more and don't have much time for blogging? Or is it because we are in the middle of the year and people have kind of lost focus on their goals (I hope not)?

I for one got too busy in April to blog (was away and had people over) and I only really average about 2/3 blog entries a week, I live a pretty boring life.

Well I do hope that everyone are still working towards their goals for this year. Good luck to you all.

Extra money this month

May 13th, 2009 at 01:00 am

We are finally getting our tax refund soon, so we will be getting $3K extra money this month. Also I should be getting the $900 stimulus package soon (DH doesn't qualify Frown ). So by the end of this month we should be able to have a fully funded 6 mnths Emergency Fund (Goal #3). woohoo! Few months ahead in time.

Xmas Fund and met a goal.

May 8th, 2009 at 06:06 am

I just checked my ING account, which has our xmas fund of $1,000 in it. I deposited that money back in January and it is now at $1,013.64. I anticipate to earn about $35- $40 by christmas, that should buy the ham or a gift for someone.

We actually achieved goal #2 at the end of last month, so we achieved that 1 month ahead of schedule. And we have also started goal #3. This was mainly thanks to DH bonus this year. It was a very small bonus but still it helps.

Extra Money and Record High Petrol Prices

April 16th, 2008 at 11:05 am

I'm so excited, DH got paid yesterday and it included some back pay of about $1,500. This means we might be able to fully fund not only the Xmas Fund but also the Emergency Fund this month. And should be able to put a bit more in the Car Fund.




I also just got a check from my health insurance, they are contributing $49.95 towards my $400 bill for the anesthesists. I'm still waiting for the Medicare check before I can pay the bill. Hopefully they will contribute a bit more, the more I can get from them the less I will have to pay out of pocket. But every little bit helps.

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On the news today, here in Victoria (Australia) we just reached a record high price of over $1.50 per litre of petrol. The highest one was actually $1.52(+). Converting that into US Gallon, it will be around $5.75 per gallon!!! Aren't you guys glad you are not driving your car around here? And I am just so glad that we converted to LPG!!




Final Recap of 2007

January 1st, 2008 at 12:29 pm

Okay finally got all the final totals for December. We managed to save 25% of our income this month. It was actually more but I decided to put $200 into the Car Fund, $50 in the EF and $250 into upcoming Medical expense.

So these are the final numbers for 2007 goals:
1. Pay $11,500 off cc by July.
Total Paid = $10,014 (83%)
NG: Pay $12,000 off CC in 2007.
Updated:25/11/07

2. Pay off Personal Loan ~ $3,000 (around $2,100 left).
Total Paid = $2034.50 (100%)
NG: Pay off Personal Loan by July.
PAID OFF 19/07/07

3. Contribute $1,000 to Ret Fund.
Current Total = $1,750 (175%)
DONE June 07

4. Have $3,000 EF.
Current Total = $2,000 (66%)

5. Have $5,000 Saving.
Current Total = $13,375.72
(267%)

6. Have $1,000 Car Fund.
TTD = $2,050 (205%)
Deduct = $247.00 (Service & Batt)
Deduct = $550 (LPG & Parts)
Deduct = $575.40 (Car Rego)
Current Total = $677.60

7. Have $3,000 Holiday Fund.
TTD = $3,600.00 (120%)
Deduct= $540.33 (April Holiday)
Deduct= $2,888.69(O'seas Holiday)
Current Total = $128.18

8. Have $1,000 Xmas Fund.
Current Total = $655 (65%)
Xmas Spending = $633.62

9. Put $5,000 into Investment.
Current Total = $5,198 (103%)
DONE Dec 07

This is our overall financial performance for 2007:



EDIT: For some reason I my pie chart is not showing. SO I will just write it out.

Debt Repayments - 33%
Household Expenses - 13%
Transportation Expenses - 5%
Insurance Expenses - 3%
Educational Expenses - 5%
Other Expenses - 10%
Superannuation (Retirement) - 2% (this does not included our employers compulsory contribution which should be 9% of our pre-tax income).
Shares (Investments) - 7%
Mini Savings - 6% (these are cash savings for near future expenses, I really see this as an expense as well not as a saving.
SAVINGS - 16%

Hopefully this year we will have a higher percentage in the saving and investment items Smile

2007 Recap

December 29th, 2007 at 12:30 pm


Well, it has been a great year, and we hope to have an even better year in 2008.
Ive been blogging for almost a year now. One of the best things I did this year was to put my goals in my blog where I got to see it almost every day. I didnt quite achieve all my goals; however, I was aiming really high.

What have we achieved this year?

Credit Card debt we managed to pay off more than 2/3rd of our CC debt. We could pay it all off now but choose not to. For us it makes more sense to put the money in the mortgage redraw account instead because of its higher interest rate. Will most likely get rid of it by the end of 2008 (maybe?).

Personal Loan and Retirement The personal loan was paid off half way through the year. We used to pay $40 a week for this loan. We now used half of that amount to fund my retirement account, which the Australian government match it by 150%. Unfortunately, they only match up to $1K, thats why I only put $40 every two weeks.

Emergency Fund Sad to say that we only achieved 65% of this goal but might still have a bit of money to put in at the end of this month. I guess this wasnt high in our priority list mainly because the saving in the redraw account of our mortgage can also be thought of as our EF but I really dont want to think of this way. I really dont want to touch that money unless we really really really have to. Ive decided next year Im going to set up a regular deposit into this account, plus any extra money I could find until it is fully funded.

Long Term Saving (Redraw Account) Its looking like that after this month we should have almost $14K into this account (although I will probably take some money out to put in the medical fund and other slush funds that need extra funding). So overall, we should have at least $13K into this account, which means we more than double my saving goal! We should be able to double this amount next year because DH will be receiving a big bonus and a severance payment after the work his working now finishes. The great thing is he already has a new job line up.

Car Fund Although we more than achieved the goal, I would have really like to have a bit more in there to start saving for our next car. Also, our car insurance should be due next month (havent received the bill yet but I think it will be coming soon), which means this fund will be deflated even further. I think next year I will have a separate account for the car registration and car insurance as the Car Fund (for repairs and money towards the new car).

Holiday Fund we are 20% over the budget but no regret what so ever. Next year will be more than this year we are already planning a nice couple of holidays. We will have to budget $5-$6K for it, I think. Of course, will try to spend less than that.

Christmas Fund although was not fully funded we managed to have a great Christmas without going over the budget.
Investments this went beyond my expectation, I really didnt think we would have been able to achieve this one but somehow it did. This amount is not even including interests and/or dividends that we received.

Overall, this year our Net Worth surpassed the $100K mark.