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November 2017

December 1st, 2017 at 10:41 am


I didn’t bother posting a blog last week much happened, the only thing exciting we did was go to the musical Aladdin. I got the tickets as a belated birthday present from a couple of friends. The tickets were $130 each so it was very nice of them. The only spending we did was $1 for a coffee in the nearby 7eleven before we went in.

Total spending for the month of November 2017 was $2,112.01

Grocery – We were spot on budget in our grocery spending this month, $301.82.

The only significant spending this month was for our trip to Tasmania, the weekend camping and the $400 donation. If it weren’t for these things we would have been way under 2 grand this month. A very good month for us I say, now onto December, the holiday season. We aren’t planning anything big just simple quiet Christmas.

~~~~~~~~~OOO000OOO~~~~~~~~~~~

Books:
57 Origin - Dan Brown (3 Nov)
58 4 3 2 1 - Paul Auster (14 Nov)
59 Antifragile - Nassim Nicholas Taleb (19 Nov)
60 Alexander Hamilton - Ron Chernow (26 Nov)
61 A Guide to the Good Life - William B. Irvine (27 Nov)
62 Introducing the Ancient Greeks - Edith Hall (29 Nov)

Camping

November 16th, 2017 at 01:18 am

We went camping on the weekend, the weather was just absolutely beautiful on the weekend (right now it raining but still pleasant temperature wise). We took our little doggie and she was so much better this time around, she is getting used to sleeping in the tent. She just love being outside but the only downside is she had to be in her leash all the time but I think she got used to that as well.

Camping Spending – Campsite fee was $25, we got gas for the car $29.23, and got some food for $26.65. Total was $80.88

Grocery – Was all up $137.09. Stocked up on some meat, in particular chicken breast and pork belly, they were cheap at the moment. Also $28 of that was for 3kg honey we got near the campsite. We got a kilo of honey from there last time and we really liked it.

Gardening/Landscaping – We are again doing some work outside in the garden. We got few bags of pre-mixed concrete/cement to put between the rocks that border some of our garden beds. I’m hoping by doing this it will stop the weeds growing between the rocks which are pain to pull out and because of our dog we can’t just weed killer to get rid of them, I never really liked using them to start with anyway. The cement mixed are $6.50 a bag I think we will need get some more before get it done.

Tassie Trip and other matters

November 9th, 2017 at 08:43 am

Grocery – So far this month we spent $40.86

Gas Bill - $94.47 for the latest bi-monthly bill

TASMANIA TRIP – As I mentioned in my last post we made changes to our holiday plan again. We were going to go away for a week but the weather over there were still chilly that we just decided to go for 2 nights/3 days. I’m still trying to recover from this cough that I got and it keeps coming back when the weather is cold. So we’ve already have come back home. DH didn’t bother changing his holiday taken off from work so it has been good having him home. The weather is supposed to be really good this weekend so we might go camping somewhere near home, just for a night. The costs run down of our trip - FLIGHTS that we bought last month was for $436.00. ACCOMODATION was free because we stayed at my brother’s future father in-laws house. My brother place is only a 1 bedroom cabin. We did however bought a $46 bottle of wine as a thank you gift for letting us stay at their place. TRANSPORTATION cost was for $45 taxi ride to the airport, my brother couldn’t drop us off he had to go to work. FOOD and OTHER cost us $217.20, we visited a small town where the oldest bridge in Australia was built by the convicts and a winery nearby, basically we drunk a lot and ate a lot. TOTAL at the end was $744.20.

TAX – I forgot to talk about our tax refund we got last week. All up it was almost break-even. I got $657.73 refund while DH had to pay $83.10 and then we had to pay accountant fee for $550 so in the end we only got $24.63.

DONATION – We donated $400 the other day.

$100 EFTPOS Card – Apparently when we change our health insurance after 60 days or something they give you $100 EFTPOS card. I’m thinking of using this for Christmas.

Horse Racing – The other day was a public holiday here because of spring horse racing. We and a couple of friends decided to have lunch at a pub and watched the race there. We had a bet amongst ourselves. I won the $20 pot. Lunch and grog was $74.00


October 2017

November 1st, 2017 at 05:17 am

This was a big month. Total for the month $3189.60.

Some of the reasons why this was an above average month:

Birthdays & Anniversary – We tend to go out a bit in October to celebrate our anniversary and DH’s birthday, so entertainment expenses tend to be higher on this month.

GIFTS – This was extra high this month. Last weekend I took 3 of my friends out for brunch as birthday presents. And I got some clothes and toys for my new niece to take with us when we go visit. Total under this category was $315.47

CLOTHES – When we went out to get baby clothes we also bought some clothes for us. I replaced a couple of jeans that I have thrown out both had broken zippers and bought a black skinny jeans and I also got a leather jacket, something I’ve been thinking of getting. For DH we got him a bunch of underwear and a business shirt. End up spending $197.99, we only got about $60 left in our yearly budget for clothing, it should be doable. Good news though is I cleaned out our wardrobe again and thrown out/ give away 2 more bags of clothing this month. We are getting there with decluttering.

PLANE Tickets – We finally bought our tickets for our travels to Tasmania to visit my brother’s new baby. That was for $436. (There is yet another change of plans which I will blog about next time).

CAR SERVICE & REPAIRS – Yesterday DH had to take the car again for service. Last week while cleaning the car DH noticed that one of the back doors wouldn’t lock and also few months ago there is a part in the booth that broke which needed replacement. Since these things need done and our car is actually due for service in few weeks he just got the whole thing done. So on top of that tyre that needed replacement earlier this month in total we spent $766.70 on the car repairs and services this month. Yikes!

Some highlights for the month on top of the above expenses:

GROCERY – End of the month total is $280.19, under by almost $20 *happy dance*. This week end grocery shopping was $44.95.

ELECTRIC BILL – The last quarter bill was $156.24, the biggest for the year. Next bill should be a lot lower since the days are getting longer and we should be getting sun shining on our solar panels.

INTERNET - Good thing about this month was our internet was free!


~~~~~OOO000OOO~~~~~

BOOKS - I challenged myself to read one book a day for 5 days at the start of the month. I did pretty well; although I must be honest and say that I kind of cheated since the first two books I already started a bit last month. Still I was pretty happy about it. Then the week after when I was sick I couldn’t read a thing. It would have been a good time to do some reading since I was in bed for most of it but I just couldn’t concentrate on what I was reading.

47 Making Money Made Simple - Noel Whittaker (2 Oct)
48 The 4-Hour Work Week - Timothy Ferris (3 Oct)
49 Cannery Row - John Steinbeck (4 Oct)
50 Seneca - Letters from a Stoic - Translated by Robin Campbell (5 Oct)
51 The Art of Free Travel (A Frugal Family Adventure) - Patrick Jones & Meg Ulman (6 Oct)
52 Ego is the Enemy - Ryan Holiday (16 Oct)
53 The Grapes of Wrath - John Steinbeck (22 Oct)
54 Nietzsche: A Complete Introduction - Dr Roy Jackson (25 Oct)
55 How to Become a Stoic - Massimo Pigliucci (29 Oct)
56 Stoicism and the Art of Happiness - Donald Robertson (31 Oct)

I forgot to note that I made it to my goal of reading 50 books this year. Sweet! I'm still gonna keep going and see how many I'll end up reading by the end of the year. I'm almost half way through reading the new Dan Brown book 'Origin' right now.

Short post

October 25th, 2017 at 03:34 am

Grocery – for the week $123.36, we went to the market for some meat.

Brunch – Had brunch with some friends it was my treat as a birthday gift for 3 friends. Everyone enjoyed it and I didn’t have to go shopping for useless stuff. I paid $140.80 for everything.

Short and sweet for today, nothing much is happening here.

The Last 2 weeks

October 18th, 2017 at 01:12 am

I was sick all week last week and still at the tail of this annoying cold. So in the last month I’ve had a head cold and was better for about a week then last week was even worst cold (I got it from DH) and it has taken a while to recover from it, almost 3 boxes of tissues later I can finally think again. The last couple of days has been a lot better but still have been coughing but hopefully it won’t come back again.

Groceries – First week spent $60.91 and on the weekend we spent $50.97, so we are doing well so far this month.

Zoo – Last Sunday (before I got sick, although I was starting to feel awful then) we took a friend for lunch and then to one of the zoo here in Melbourne, she is from overseas and only here for couple of months. We spent all up $115.12, we used our annual zoo passes but we paid for our friend.

Flat Tyre – Last Friday night DH was about to get pizza for dinner when he notice the car felt funny when he drive it out of the driveway, luckily he noticed it right away as was able to get back in the garage. Friday night pizza got cancelled. DH changed the flat into the spare the next morning and then took it to the nearest tyre place. Luckily the one that got a nail on it was one of the old tyres at the back that would have needed replacing soon. On March (was on my March 28th 2017 blog) when we got the car serviced they replaced the 2 front tyres and suggested that the back ones will be done in the next service. DH asked them about the other back tyre and they feel like it could last a bit longer still. So the one tyre replacement was $110.

Roadside Assistance – On the topic of our car, last night DH just paid our annual roadside service assistance it was for $99.75

Groupon – On Sunday even though I still wasn’t fine we went out for dinner for couple of hours, it was good to be out of the house though. We booked this thing a month or so ago so we didn’t want to cancel it. We had tapas and it was okay it was lacking something though it was a bit bland for my taste. Luckily, we got Groupon because if I had to pay full price it would have been very disappointing. $45 for dinner and drinks and also paid $10.08 for parking (8 cents for card processing, and there was no cash option).

I think that's all I got for now.

SEPTEMBER 2017 and other things

October 4th, 2017 at 07:21 am

Overall expense for September was $1,665.60. That was not a bad month I was expecting it to a lot worse than that so I’m really happy about it.

Groceries – This was really the only thing that was bad but it was mainly that spending we made on the last two days of the month for the party on the 30th. The total on grocery spending for the month was $370.82, so we were over by $70.82, the biggest so far this year.

-----oo~00~oo-----

WEEKEND

BBQ – We had people over for the barbeque. We watched the AFL grand final after our bbq lunch. We had 6 people over, we had a little bet ($1 per person), DH and I lost so we are $2 poorer, lol. Went overboard with food and because we have been eating out a bit the last few days we are still have some leftovers. After the game we played ‘Cards against Humanity’ that was fun and everyone stayed to have some leftovers for dinner.

Anniversary – The next day was our anniversary. We had lunch at Nobu and afterwards we went to the city library, DH wanted me to get a library card there. I only tend to go to the city few times a year these days but they have a bigger collections of books and especially e-books than our local library so I’m looking forward to be able to access that at least. I borrowed some books then we walked back to the casino where Nobu is and where we parked our car. We had time to kill before we need to go to the movies so we decided to play the Roulette, we played for about half an hour and in the end we walked away with $30 more than we started. At the movies, even though our movie tickets were free we still end up spending $18.10 on popcorn and drinks.
Overall Anniversary Spending:
Lunch - $104.55
Parking - $6.00
We shared coffee while gambling - $4.90
Snacks at the movies - $18.10
(minus) Winnings - $30.00
TOTAL = $103.55
Probably one of the cheapest anniversary celebrations we’ve had in recent years.

DH B’day – Last night we went out for dinner for DH’s birthday, it cost us $52.


-----~oo00oo~-----
Almost forgot

Books-

41 The Pearl - John Steinbeck (4 Sep)
42 The Moon is Down - John Steinbeck (13 Sep)
43 Thinking Fast and Slow - Daniel Kahneman (15 Sep)
44 The Daily Stoic - Ryan Holiday & Stephen Hanselman (20 Sep)
45 The Fault in Our Stars - John Green (22 Sep)
46 The Obstacle is the Way - Ryan Holiday (25 Sep)


My other goals have kind of got neglected in Sept, I will try to do better in Oct. I did however eliminated more clothes from my wardrobe, I'll need to go through DH too soon then will need to take them to the Salvos. Workout has been slow getting back to my routine since I was sick.

Football Grand final

September 27th, 2017 at 10:42 am

Grocery – Total for the week was $99.10, spent a total of $45.56 on meat. We would have enough food for the rest of the month except we have people coming over on Saturday for the grand final Australian Football game at our house. We decided to have a barbeque and we will be having sausages, hotdogs, hamburgers and maybe some lamb and chicken. We only got less than $20 in the grocery budget left for the month so that will not be enough. I think I will need around $50 for the party. We got plenty of alcohol and I’ve asked people to BYO softdrinks if they want any since I’m still on my ‘no buying softdrink’ this year goal. Anyway, lets hope I can keep thinks around $50. I do have two $30 gift cards that I got given last Christmas maybe I’ll use one of those and I’m thinking of keeping the other for Christmas.


Movie Voucher – Speaking of Christmas gift, DH just found a $100 movie voucher that his parents gave us last Christmas. It was emailed to DH and he found it on the weekend when he finally decided to clean his email. I really need to remember this stuff because DH is hopeless at remembering this sort of stuff. He printed it out and I got it up on the fridge. The movie voucher is expiring this December so we really need to use it soon. We can probably go twice maybe even 3 times to use it up. This Sunday is our 11th year anniversary so we might go to the movies and dinner to celebrate.


Internet Disconnection – As mentioned in my last post we changed Internet provider. DH tried out the old connection and found out that they haven’t disconnected it yet, when they were meant to on the day DH called them. DH called them again on Monday to remind them to disconnect it. DH was again told that he will need to pay $45 disconnection fee (don’t even know why the disconnection fee is now $45 when last week it was $165 – lol- bunch of comedians, they are). Luckily, last week when DH finally got to talked to someone at the end they talked on those instant chat thing and DH actually took screen shoots of their conversations. So they tried again to make DH pay for disconnection fee and it still didn’t work.

Changes in our Internet Provider

September 20th, 2017 at 08:46 am

Grocery (the Good) – Spent $31.92 this week.

Eating Out (the Bad) – We spent a bit on eating out and getting some soup. We went to a restaurant that is near our place it has been there for years but it is only now that we finally decided to try it out. We had lunch there on Saturday. It’s a nice place and food was really good and prices were very reasonable as well, will definitely be going there again. We also decided to go to the park on Sunday for a picnic lunch; we didn’t bring any food from home we got take away instead. And to top it off DH has not been feeling well so we got some soup. All up the eating out and buying food we spent $73.20.

Free Dinner – Not only did DH got few free lunches last week and the other week, he also got free dinner and drinks on Friday night. His whole team got invited out for dinner to celebrate a job they did two months ago. He and others did had to spend few hours for that weekend two months ago to do some work for it, DH only had to do his part at home, so yeah well deserved for them.

Internet – Few months ago and then another last month we got mails from our (now previous) internet provider letting us know that by early November they will be disconnecting our internet and home phone services unless we switch into their NBN service. NBN is the National Broadband Network, which is essentially fibre optic cable rolled out across the country. Originally it was proposed to roll out fibre right up into each home, but this was later changed to just use whatever connection already exists at the home for the final part. In our case since we had Telstra cable installed in our house by the previous owner, that is what we are getting. This is similar to what is used for cable TV in the US, and in fact can also be used for cable TV here. The NBN is a government owned company which provides the infrastructure, and then you go to a retailer to buy the actual services. That way all retailers use the same infrastructure and have to compete on price, customer service, and quality of service provided (some retailers don’t provide sufficient bandwidth so get major slowdowns during peak periods). The company we signed up for seems to be quite cheap and also doesn’t seem to have the slowdown problems.

When DH signed up, he found a promotional code that got him the first month free, and they double our data allowance for the first 6 months! Also there is no lock-in contract, whereas some of the bigger providers lock you into a 2 year contract. The price will be $65 per month the same as our previous internet cost but since we don’t have to have the home phone anymore it will be saving us $15 per month. It will be less than the unlimited data we have been using for the last year but a lot more than what we used to have prior to that which was 120GB, now it will be 500GB but for the next 6 months it will be 1000GB.

When DH called the previous provider, Optus which we have been with since 2001, they tried to make him pay a $160 early termination fee as they told him he was on a 2 year contract. This was rubbish for 2 reasons: 1. they told him last year when he changed plans that he wouldn’t be put on a contract; 2. they’re the ones telling us we need to change service or we’ll be disconnected. DH spoke to a different person and they have now agreed to not charge the disconnection fee.

New Baby in the family

September 13th, 2017 at 05:06 am

My brother’s girlfriend had a little girl yesterday, I’m an aunty again. We will be visiting them in Tasmania in November.

Onto financial matters –

Groceries – All up it amounted to $72.45 just a tad under budget for the week. $18 of it were on cleaning and laundry products, I tend to only get these once or twice a year.

Free Lunch (Is there such a thing?) – DH has been attending workshop at work and they have been providing lunch. Last week he had 4 of them and he got another 3 and a half days of it this week.

Property Rates – We got a new bill statement for the 2017-18 and it is increasing to $1913.89 – last year it was $1873.70 – we will be paying it monthly ($191.34) for the next 10 months.

Been sick and not been in the mood for cooking this week.

Bills and Changing Health Insurance

September 5th, 2017 at 10:33 pm

The weather here have been wet, so not much to do but read and watch the Australian stock market go up and down. Here are some of our personal finance highlight for the week.


Groceries – Total spend for the week was $83.91, a little bit over than our weekly budget for this month but will pull it back next weekend.


Water Bill – Great news we got $100 government rebate off our current water bill. I’m not sure what this rebate is about (most likely to do with the desalination plant), anyway whatever it is for I will gladly take it! Normally, this 3rd quarter bill is a lot more than usual because of some annual fees that we have to pay but the government decided to give us a break. So the bill amount was going to be $292.31 but now it is reduced down to $192.31. Unfortunately though this bill came with new rate prices that we will have to pay next bill. It doesn’t look too bad, in line with inflation rate I guess.


Gas Bill – Also got the gas bill due this month and that is for $101.72. I think this might be the first time ever since we stopped using gas for heating that we have a bill that is over $100. I don’t think our actual usage have change it is most likely increases in rate prices.


Health Insurance – We decided to change health insurance to one that is known as “Member’s Own”. On the 1st of April our health insurance went up again and DH and I have been thinking that it is time to evaluate our current health cover. DH have been looking into it for few months now and have finally decided to drop the EXTRAS (i.e. dental, optical and some hospital covers), so for now we will just have the Basic Cover and we will just cash flow the usual dental and optical visits. We weren’t even in the comprehensive cover we were under intermediate. The optical is just mainly for me anyway, last time DH got his eyes check which was earlier this year he still got 20/20 visions apparently plus normal eye checks are covered by Medicare anyway. The only thing we seems to get out of it is free cheap prescription glasses, and the fancier ones we have to pay extra even though we spend so much extra already for the so called “EXTRAS”. Anyway, after some calculations we might be able to save around $500-$700 per year. Our monthly payments will go down to $163.23 from $280.78. Before 1st of April it was $262.75, there was $18 per month increase, which is about $216 for a year enough for one dental check-up and clean visit. So we believe it is worth trying it out at least for the next year or so.

Pay Raise kind of

August 24th, 2017 at 09:35 am

DH got notice that he will be getting a pay raise, it is only for 2.5% so just in line with CPI. He has given up getting a pay raise this year so I guess this was unexpected. Not much really but every bit helps.


Grocery - This week we spent $74.02. One more week left for the month and we’ve only spent $185, which left us $115. I have plan to stock up some things this coming weekend.


Fitness Tracker – Someone at DH work gave him 2 brand new fitness trackers. The guy bought that it for himself and his wife but it never showed up so he decided to cancel it and bought it somewhere else and now long after he got his money refunded they showed up in the mail. It seems like everyone at his team already have them except for DH so he offered it to him for a beer or something small of value just to cover the credit card fee that he incured for international purchased. DH was happy to do it. He bought him some chocolates since he loves them, not even $5 worth. And next time they go out for drinks DH will shout him a beer or two.

Quilt Cover and Clothes Shopping

August 15th, 2017 at 05:48 am

Our Saturday was filled with shopping which means spending money.


Grocery Shopping – This weekend we spend a total of $48.86 on our weekly food shopping. Spent $9.17 on meat, another whole chicken they are still on sale at Aldi and some pork with bones great for making soup which I kind of have a craving for at the moment. The weather was beautiful on Sunday so we actually barbequed the chicken. I butterfly the chicken and I made some peri-peri sauce to marinate it. It was yum and had enough for Monday lunch and dinner.


Manchester and Clothes Shopping – I wanted to get another quilt cover of our king size donna. For this sort of stuff I go to this store about 15 minutes away from our house. Not many people know or really care to shop at this place so I love shopping here. It is a shop were big shops, like Target and other department stores (Myer, Big W, etc.) dump their old stocks or when factories get too much in stock and the department stores don’t want them then they sale it at this store. A lot of the products are of good quality and heavily discounted. Most people tend to snob this place but I love it.


I got the quilt cover for $39.99, the initial price for it at the original store was $150. It’s good quality and has two patterns/designs that are reversible.


While there we found that they were having sales on suits. They originally have them for sale at $79.99 (at other department stores these would have been sold for around $200+) but had them further discounted down to $49.99. Just could not passed up on those. DH mainly wear suits for work so they get used a lot. We then took it to seamstress to get the pants shorten, and that was $12.


Also got a couple of other clothing items while there, we haven’t bought anything for 3 months. All up we spent $132 at the shop. I budgeted $720 for clothing this year we’ve spent $445 so far.


Lunch out – We had Vietnamese for $26 for couple of dishes. We just wanted try out this new restaurant, it was okay but probably won’t be back.


Wine – Bought some more wine, 13 bottles all up for $89.30 (just under $6.90 a bottle). That should last us for the rest of the year. I think we roughly spend around $150 to $200 a year on alcohol so this is about par to what we always been spending in previous years.


New Library Card – My old library card (in our local library) was issued about 15 years ago and I haven’t used it for probably 7-8 years? So basically the new fancy computer systems they have these days don’t recoginsed it. Last weekend when DH went to the library and shown the librarian his old card they kind of laugh at him because none of them recognised it. The guy that was serving him showed it to the other people there because they were really fascinated by it. Anyway, I don’t know how much I will used the library because I already got so many books to read as it is. I will probably mainly borrow non-fiction books because most of my books are fictions.


*Currently listening to Trouble is a Friend by Lenka, she’s an Australian singer and song writer.

1st Week of August

August 9th, 2017 at 05:05 am


Grocery – We bought mainly staples, fruits and vegetables this weekend. All up it totaled $61.45. We actually end up buying a couple of whole chickens because they were really cheap at Aldi, it was only $3 a kilo, for two chickens we paid $9.76. We also got a big block of cheese (1kg) for $6.


Weekend – We occupied the rest of the weekend mostly reading, listening to music (mainly myself) and podcasts. DH is currently obsessed with podcasts, personal finance in particular. Since we paid off the house and most of our money is now put into investments/savings he has really taken interests. It is more fun than paying off debt. It has now become a new hobby for him, he is reading a lot of personal finance books too. He even went to the library on Sunday afternoon to borrow PF books, it really is amazing.


New Headphone – DH bought a new headphone on ebay for $25.30. His current one is broken from listening to too much podcasts, he is currently using an old crappy one in the main time.

short update

July 26th, 2017 at 03:42 am

Electric Blanket – We bought an electric blanket. I was on sale at ALDI from $65 down to $45. DH and I never had an electric blanket before but I used to have one when I was younger. We have been using it for few days now and it has been great. We put it on for about half an hour just before going to bed, we turn it off going to sleep.


Grocery – We did very well with our lastest couple of grocery shopping trips, on the weekend for example we achieved to spend under $20. We got $40 left for the last weekend of July to spend. I think that might be enough to buy what we need for the week. The main thing we will need is coffee, milk and eggs. There are still a bit of meat and chicken in the freezer. I actually want to get through those stuff that has been hiding at the bottom/back, some of stuff in their might have been there for months. I just want to used and clear those before restocking again.


Pizza – We have been loving getting Domino’s Pizza lately on Friday nights. We been having them with a bottle of wine while watching Friday night footy or if the game is not that exciting we watch a movie on Netflix. They are only $5 each. We tend to get a couple which each enough for dinner and some leftover for the next day.

Nothing much else is happening here.

May 2017

June 1st, 2017 at 09:43 am


Total spending was $1,744.98, it’s always very good when it is under 2 grand. Although for the first time this year we went over our grocery budget of $300, end up spending $316.43. It would have been under but we saw chicken breasts on sale and got over 2 kilos of it. Nothing major really happened last month that why spending was relatively low. Everything was fairly normal except for the gifts category because of Mother’s day. Only thing that we got that would be under sundry category would be the garment streamer for $49 our old one died. They are a lot cheaper and better quality these days and cheaper than always get clothes dry cleaned.

Books - Still doing a bit of reading.
22. Glimpse of Death - Leslie Wolfe (7 May)
23. Untouched, The Girl in the Box - Robert J. Crane (15 May)
24. A Time to Kill - John Grisham (29 May)- I thought I've read this before but I don't think I have because I can't remember the story at all. It must be the only early of his books that I've missed.
25. The Richest Man in Babylon - George S. Clason (31 May)- This one was definite a re-read, I try to it once a year.

Also doing really well in all of my goals I have even been waking up around quarter to 7 in the morning although, I probably need to clean my email in box again. I’m very happy with decluttering this month we got rid of a bit of stuff.

Weekend Spending

May 15th, 2017 at 09:04 am

Again it has been a quite weekend I guess we are still recovering from our trip.

Grocery - $49.38

Mother’s Day – All up we spend $122.39 on gifts

Lunch Date – We went out for lunch on Saturday for Chinese and coffee and cake afterwards, all up $36.40

Wines – 6 bottles of one of my favourite wines $44.70, bought bulked because normally they cost $10 a bottle.



Not much to report really

May 10th, 2017 at 10:09 am

Only spent money on grocery ($100.65), Gas ($84.74), Health Insurance ($280.78) and other spending were for $59.50 (we got invited to a friend’s place and bought some stuff for it).Grocery was a bit higher but we bought more meat.

APRIL 2017 Highlight

May 3rd, 2017 at 03:03 am

Overall spending in April was $4609.95 – big month

Grocery – $239.57 way under budget mainly because we were away for about 40% of the month

Health Insurance – This year our Health Insurance went up from $262.75 to $280.78 per month ($18.03 extra p/m). Hate it but can’t do much about, DH already check other provider this is still the most reasonable for us for now.

Books read this month -
16 The Watson Girl - Leslie Wolfe (8 Apr)

17 A Long Way Home - Saroo Brierley (10 Apr)

18 Dawn Girl - Leslie Wolfe (14 Apr) – I read the second book first for some reason I didn’t know but I think it’s necessary to read the first. I’m currently reading the 3rd, it just came out on kindle 2 weeks ago.

19 Silent Child - Sarah Den (19 Apr)

20 The Broker - John Grisham (23 Apr)
21 Alone, The Girl in the Box - Robert J. Crane (30 Apr)

Workout – it got interrupted because of our holiday but I did a lot of walking and also ran once on the beach which took me 3 days for my legs to recover. I’ve at least started Stage 2 of my workout this week.

Away

April 15th, 2017 at 11:53 am

We are away at the moment and I got limited internet connection. I will finalise holiday spending when we get home.

Last weekend we didn't really do much, grocery shopping was under $50 (can't remember exact amount).

Found really cheap work shoes for DH so we could pass up on that, one is for suit and the other boat shoes that he can wear with jeans for Friday casual days. Total $30.

After shopping we splurged and got some Vietnamese, $26.50. I used my allowance money, I hardly use my allowance money these days the only thing I use it for is on books and I haven't spend much.

First week of April

April 7th, 2017 at 11:02 am

On Sat 1st of April we went to a winery about 1 ½ hours away. I got a gift voucher for this place last year for my birthday and it was about to expire later this month. We went there with 4 other friends and in the end we only had to spend $10 extra.

Grocery – On Sunday we got groceries, total $80.68

Palm Tree Removal - Also on Sunday afternoon we got a knock on the door, it was a guy asking us if we want to remove our palm tree at the front. This is actually one of things that we have in our ‘to do lists’ for the outside landscaping (or should I say re-landscaping). This palm tree (almost 20 years old) has now grown too big and it is now touching some of the wires above. They were in the area trying to get some business; there were an army of them. To start with we weren’t very sure about it they seemed a bit dodgy but since they won’t really need to go inside the house and I kind of like that DH is home while we are getting it done so we said why not. Plus the price was really good, we thought removing this would have cost around $1,500 to $2,000, we eventually agreed on $800 but in the end we decided to give them $850. This tree was about 7 metres tall and about 1+ metre in diameter so it was hard work and the chainsaws kept getting clogged up which they had to stopped few times to cleaned it. They also grind the stumped and got rid of the rubbish, a truck load of it. I think we got a bargain.

Electric Bill – DH paid electricity bill for the 1st quarter of the year, $26.49.

Car (more car expenses) – Couple of weeks ago when DH took the car for service they end up turning off the radio which needed a code to turn it on again. So on Thursday DH had to take it to the Ford service mechanics to get the code, which cost $40. While there he decided to get the other (spare) key fixed that was not working properly and to also get the ABS looked at. In the end everything costs $370.

Lunch Date – Today we had our first lunch date for the year. This was kind of a reward for finishing Stage 1 of my workout. We went to some fancy restaurant. It was good but I expected more than good for the price so I doubt we will be going there again. Also, I had my first coke this year. I found the duck confit a bit too salty and wanted something to wash it down so I asked DH to get me a glass of coke while I went to the bathroom. I wished I just stuck to water and I wished DH asked how much it was before getting, it didn’t taste like it used to be and the worst part is it cost $6 for the 330ml glass of coke. Oh yeah I forgot, lunch cost $86.

Car Service and Repairs

March 28th, 2017 at 08:11 am

Car Service/Repairs – Total cost was a whopping $836! We got 2 new tyres for $198, they suggested that the front tyres can last until the next service. They had to replace the front brake pads that cost $203.50, again the rear one can be done next time. They suggested to just re-gas the A/C, because our car is quite old now it would be better to just re-gas it every year or so it would cost a lot more to repair it. The re-gassing was $110. They had to replace 4 wheel nuts for $88. The rest was then for the all other car services that needed to be done.

Grocery – I got DH to do the grocery shopping again and told him we only got $16 left in the budget this month. He went to Aldi and only spent $15.70. With that he got a whole chicken, 3 litre milk, 4 bananas, 1 punnet of strawberries and 1 dozen eggs. We will probably need to get more milk later this week or we could use the long-life milk we have for emergency, we probably will I'm sure the expiry date on it is probably close.

Scanner App – We have started some of our paper work that we wanted to digitalised. We have an old scanner printer but it a pain to use, it take about 2 mins to just scan a page and then you have take out the SD card to save it into the computer. We thought about getting a new one and we almost did but then DH wanted to think about it some more. Last week DH took our old Electric bill and Gas bill to work to get it scanned, they’ve got great industrial scanner at work it only took him minutes to scan 7 years worth of bills. Now that we don’t get paper bills for these 2 we wanted to get the old scan them and throw them out (I actually shredded them and put it in the compost). We still got hundreds of paper work to scan which will not be possible for DH to take to work. He then looked into Scanner Apps, just using his phone camera he tried it a couple different Apps he preferred the second one he found. After using for a while he decided to buy it for $2.60 (was on sale from $5), worth paying to get rid of the watermark of their company logo. Anyway, it is so much more efficient than our old scanner. DH love using it. He was just sitting in front of the TV while watching a cricket game scanning away. This one it saves it automatically into a PDF and then DH can easily just email it to or save it google drive.

Other Spending – Got more soil for the garden, $11.85. Gas for the car was $42. I also gave my mum $300.

More shoes shopping

March 20th, 2017 at 09:44 am

Grocery – We spent $61.94 on food this weekend. We only got $16 left in the budget for the rest of the month so we most likely won’t be able to stay on budget this month. We will try not to go over too much. We have been under budget in the last 2 months so there a little bit of a wiggle room, about $20.

House Repair - Fixed our bedroom door that wasn’t closing properly, the hinges was coming loose – easily fixed.

Mum - We went to my mum’s place for lunch on Sunday. She had an eye surgery on Friday for cataract so we thought we visit her to see how she was going. DH was actually the one that picked her up after her surgery. The hospital was near the city so DH drove to work on Friday, parking cost was $16. He left work an hour early to pick her up and the parking at the hospital was $10.20. DH also went to the pharmacy to get her prescription meds which he paid for just under $17.

Shopping – After lunch we left our dog at my mum to go shopping. My mum actually used to own this dog, long story short we feel in-love with her and kind of stole her. Spent an hour shopping for DH’s running shoes ($110), also got myself a wallet (my current one is all scuffed up) it was 40% off for $35, and we got a cup of latte to share for $4.70.

That’s pretty much our spending for the weekend. Tomorrow DH is taking the car for service including getting new tyres and I think maybe also getting the air con looked at. I have a feeling it is going to cost a bit.

Last 2 weeks

March 15th, 2017 at 06:56 am

Camping – We went camping last weekend, finally! DH was very happy about. The weather was just perfect for camping. We took the dog for the first time camping, she did well but didn’t get much nap so she was very tired when we got home. The cost for the site was $25 and we got food for $22.70, so less than $50 for a weekend away. Pretty good. The area where we went to is known for mineral spring water most people that go here go to mineral spas. And since it is only about an hour away from Melbourne it is very popular place. The camping site actually have a pump set up so people would just go there to get fresh mineral spring water. You have to go on a short hike to get there but it is pretty easy walk and along the way there were wild blackberries everywhere which were very sweet.

Hot air balloon- We got woken up Sunday morning by a hot air balloon being set up only about 100 metres away from our camp. Some people were not happy about it because it was pretty loud but really it was already 7am so it wasn’t really that early. I thought it was really cool seeing it up close and it only lasted about 15 minutes and they were off. But someone woman got very upset about it.

Groceries – Last weekend on the way home we stopped by at Aldi and spent $86.95. This weekend we spent $135.11. A bit more than I was hoping to spend but I found porterhouse steaks at 40% off, so I ended up getting 2 trays for just over $20. Just have to grab them when they are that cheap because they never seemed to be on sale when I actually want to get some. I also bought a 20kilo bag of rice which should last for months.

Fish Tank – The filter in the fish tank died and also it started leaking. DH bought a new filter for $44.82 and he also got a tube of silicone to fix the tank.

Other Expenses – I bought some clothes $33. DH got train ticket and filled up the car. Also the water bill for just under $230.

DH did the shopping

February 28th, 2017 at 08:53 am

Ended up to be a quiet weekend. During the week we talked about going camping but we weren’t too sure about the weather. We should have gone the weather was wonderful especially on Sunday. Oh well.

Groceries –On Saturday DH did the shopping alone, since we didn’t need much and also don’t have much left in the grocery budget it was a very short shopping list. DH did really well, I told him that we only got $30 left in the budget and that all we really need are a couple dozen eggs, a loaf of bread, few bananas, a red capsicum and a 2litre milk to top up the milk we already bought on Thursday. The rest of the money, if there are any left, he can get some more fruits and vegetables. He ended up spending $21.90, on top of the items above he also got a punnet of strawberries, a punnet of blackberries, a bag of carrots, Japanese pumpkin and a massive bag of zucchini which he found on sale. DH was very proud of going way under the budget, he took it very serious.

BBQ – On Sunday we took the doggy to the park and also shop to get DH a new exercise band for $28. Seeing that the weather was so nice DH suggested we should have a bbq, I guess if we did went camping we would have had a bbq there. So on our way home we decided to get some meat to bbq. I ended up getting some chicken drumsticks it was on sale for only $3 a kilo even cheaper than the wings that were $4 a kilo, got 6 pieces for $2.80. DH also barbequed some of the vegetables (zucchini, pumpkin and carrots) to go with the chicken, we just put a bit of salt, pepper, rosemary and olive oil.

New running shoes and some cooking

February 21st, 2017 at 03:26 am

Groceries - We did our usual Saturday morning shopping for food. Spent $82.33, it would have been about $20 less but I found a Porterhouse steaks that was 50% off (normal price was $32 a kilo) and also got some pork chops that were 20% off (can’t remember the original price). Total for the month so far is $269.42 (budget $300), so just over $30 for the rest of the month. It’s tight but I think we can do it. I’ve done a rough meal plan for this week which should help. Also the pantry is still really full we still got a lot of stuff in there to get through. I think we will just need milk, eggs, fruit and vegetables next shopping trip.

Other Spending – I bought myself a new running shoes, it was on sale for $90. I’m overdue for a new one. DH will also need a new one soon too. His is actually worse than mine but we couldn’t find one that he likes at the shop that we went to and we didn’t have time to shop around.

Cooking – I did a bit of cooking on Sunday. I made spring rolls and meatballs to put in the freezer. Also made butter chicken in the slow cooker, which feed us for 4 meals. And I used up some frozen banana that I had to make a banana cake.

Decluttering – I went through our pots and pans and decided to throw out 2 old pans and 1 wok. I’ve also been going through a box full of papers/notes that I wanted to type out or scan, it will take me a while to get through the box but at least it is good to get it started since I’ve wanted to do this for years now.

Passports – We need to re-new our passports, it expired last year. We are thinking of going overseas this winter so we need to get new ones soon. I don’t know how much they are now these days it has been ten years since we got the last one.

Extra grocery for VD

February 15th, 2017 at 06:39 am

Not much is happening here.

Grocery – Spent just under $100 ($98.26) bought some special stuff for Valentine ’s Day dinner; steaks, fancy cheeses, oysters, and some other yummy stuff that we don’t normally get. We prefer to have nice dinner at home instead of going out to restaurant for Valentine’s Day.

Takeaway – At the market where we did our grocery shopping this weekend we got a couple of dim sims and croissants to take to the nearby park where we walked the dog. There’s a café at the park where we bought a cup of coffee to share to go with the croissants.

Fuel – got some fuel, it was for $55.80.

Other - we got some fabrics to use to cover the couch, $44.00. Also spent some money for the garden just under $40.

Final interest payment

February 7th, 2017 at 12:34 am

Garden – I planted a bird-eye chilli last summer. Got a couple handfuls of chillies last summer, it wasn’t looking good during winter and I thought it was going to die. I trimmed it and hoped for the best and it is doing well again. So far it has produces more than double that we got last summer.

Decluttering – I emptied DH’s clothes drawers. I put all the clothes that I thought don’t belong in the drawers anymore in a laundry basket and then DH went through each one, some he tried on to see if still fits. Most of it got thrown away, about 5 went back into drawers and a few he wanted to keep (souvenirs items) that we put into a plastic container to store away.

Weekend – We did the grocery shopping Saturday morning and spent $75.33, right on our weekly budget. Saturday night we went out for dinner to celebrate paying off the mortgage. We went to a Croatian restaurant it was very yummy but pricey. It cost $106 for 4 entrée size dishes (we wanted to try variety of dishes) and a glass of wine for me and Croatian beer for DH. We used a $50 gift card and I received last year for my birthday (expiring in couple of months so it was good time to use it), so was out of pocket for $56, still a tad costly. Lately I’ve been rather anti going out to restaurants, I mean I still like eating out but I don’t like spending all that money and then sometimes you go out you get disappointed with either the meal or the service and end up feeling that it was such a waste of money. A $100 is more than a week worth of food for us or for that amount of money we could invite a bunch of friends and have a pretty good dinner party. We also spent $6 for 2 hour parking, we should have really parked further for free but they are hard to find. We spent most of our Sunday building a vegetable garden using old bricks from the old brick fence that we used to have. That brick fence collapsed last year when we had a really strong wind, it was already in bad shape to start with.

Mortgage – Our very last interest payment was $14.62. They actually now owe us some money, just under $300 because they just took out the usual monthly payment. I’m sure it will get all sorted out soon. And depending on how much the closing cost is we might still owe them some.

This and That

January 25th, 2017 at 09:23 am

Gardening – I have not done much with the veggie garden this summer. I just did not have much time but I did make sure to plant some tomatoes and basils, I've got a bit of tomatoes already.

Dinner party – Saturday night we had few friends over for dinner, card games and a Netflix movie. It was a lot of fun. It increased our grocery bill this month but it would have been a lot cheaper than going out to a restaurant.

Long weekend – DH is taking Friday off and since Thursday is a public holiday (Australia Day) then he will have 4-day weekend. We are thinking of going for a day trip somewhere maybe fishing, we have not done that for couple of years.

Grocery – Our grocery budget for this year is $300 per month. So far this month we are at $260.45, half of it was spent on the weekend when we did a big shop and bought some extra stuff for the dinner party. Even though we only got $40 left for this weekend it should be plenty, I’m hoping we might not even have to spend all of it. Right now we got a lot of leftovers in the freezer and the pantry is full.

Weekend Spending

May 26th, 2015 at 07:56 am

Saturday we went to shopping for food, we didn't get (nor do we needed much), spent $37.41.

Went and watch my brother play footy again, it was his 50th game, they won again 202 to 26, I think it was. Only spent $1 for a cup of coffee there, we actually took some sandwiches and some fruit that we got shopping that day to have for lunch.

That night we got invited to someone's 65th birthday. Bought a card for $1 and gave $50 cash gift.

On Sunday the only thing that got charged was my mobile phone, it get automatically get topped up when my credit gets below $2. That was for $10.

Total spending for the weekend was $99.41 - it's good to see it under $100.


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