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April 26th, 2017 at 01:00 am

We are back from our 11 days holiday to New South Wales (NSW). We decided to drive all day to get there on Good Friday, the trip took over 12 hours we left home at 4am, got stuck a bit in traffic trying to get for one side of Sydney to the other side and then from Sydney all the way the DH’s parents, even with tollways there were still a bit of traffic. We spent Easter weekend at my in-laws, they live about an hour or so north of Sydney. DH’s sister and her husband and toddler daughter also came up from Canberra to spend Easter weekend at there place. On Easter Saturday, we got invited to have lunch at DH’s brother’s place. We gave the kids (4 of them) Easter eggs and cash gifts since we haven’t seen them since Aug last year. So it was part of Christmas gift as well. Also the oldest just turned 21 late last month so we gave him $100. In total, we end up spending $253 on gifts. Easter Sunday, SIL and her husband celebrated their 1st year anniversary they went to the winery for the day while MIL looked after the little girl. We just relax a bit and helped FIL cut a tree down that has been causing issues with their plumbing, he is in mid 70’s and has hurt himself recently so DH did most of the heavy work, while FIL and I just helped cleaned it up. Luckily unlike our palm tree this tree was a lot easier to cut down it only took us less than 2 hours to get the job done. We also did some painting for him, we didn’t finish it but it at least got it started for him.

On Easter Monday we went to Sydney to celebrate my birthday, we spent two days there and stayed overnight at a fancy hotel with a great view of the Sydney Opera House from the bed. We bought a yearly pass to the Taronga Zoo, which we went on both days, it wasn’t too much out of the way to travel. We went there early before we checked in to our hotel and then we stopped there again on the way back to DH’s parents place. The zoo passes we will be able to use in our state zoos too (we got 3 here in Victoria). On the first day at the zoo we saw a baby pygmy hippopotamus (about 2 months old) and on the second day we saw a couple red pandas. And of course we saw other animals but those were my favourites at this zoo. We had a nice dinner at near Sydney Opera House and also has a great view of the Sydney Bridge and then walked back to our hotel to have cocktails at the bar there. All up my birthday celebration costs $664 including parking which was $67 for those 2 days. The zoo annual pass were $192 for both of us.

DH also got me a new kindle which I was not expecting at all since the Sydney trip was supposed to be the birthday present. On this trip I ended up finishing 3 books and have started on a couple. The long drives helped. We drove probably almost 3000 kilometres.

We went back to DH’s parents place for couple of nights and then we went camping father north of there to a place called Nelson’s Bay for couple of nights. $46 per night. This is a beautiful area - our camp site was only about 200 metres walk to the beach. In our camp sites there were a lot of wild rabbits and possums and birds of course. The possums were very friendly that DH actually ended up hand feeding a couple of them bananas. DH’s parents came by to have lunch with at our camp site on the first day, which was great to get them out of the house. On the way back to the in-laws we checked out other scenic sites, at one place we were lucky to see dolphins swimming there at least 20 of them.

We then spend another night at the in-laws and then on the 23rd we left to drive home. We stopped by at a small town called Gundagai, which is just over half way between in-laws place and our home. We camp over night by the river that cost us $25 for the camping site, fairly cheap. And then we got home and picked up our doggy from my mum’s place mid-afternoon on the 24thof Apr.

Overall cost for the Holiday/birthday:
Gas - $236.81
Food and Drinks - $416.19 (Grocery $148.84, Snacks 56.30, Restaurant/Takeaway $169.55 and Alcohol $41.50)
Souvenirs - $10.25 (Just fridge magnets)
Overall Birthday Cost – $664.00

I found that NSW is slightly more expensive that here in Melbourne. Gas for the car was around 10 cents more expensive and food is about the same. Even their zoo pass was more expensive, luckily DH thought about going online and buying it from Melbourne zoo instead, it would have cost us almost $80 more because not only it was dearer they also required and an extra $20 per ticket for first time buyers there.

The only expenses I haven’t accounted for yet are for the tolls we used to get across Sydney. I will be in the next CC bill or I think they might email at the end of the month.

Change my mind

March 31st, 2014 at 11:00 pm

We got $320 left in March I was going to put it towards goal#2 but I instead put it towards goal#3 and have already spent it.

I found a great deal online for a place that we will go for our Anniversary. Our anniversary is not for another 6 months but this deal was really good it is to a place called Lake's Entrance. We love this place, it's about 3-3 1/2 hours away. We been there few times and even stayed there overnight as one of the places that we went to on our honeymoon (that was the last time we went there so it will be 8 yrs by the time we go back) . And DH was apparently conceived there (hahaha!). This resort that we will be going to was the one I really wanted to stay at on our honeymoon but since we were struggling then we just couldn't afford it. $200 a night was just too much for us then especially for just an overnight stay. The place was fairly new then. The deal I got is $299 for 3-nights (but will have surcharge of $60 for Saturday night stay) including breakfasts everyday, some credits on restaurant meals, drinks and massages. It also had other offers which I can't quite remember it all at the moment, I think one was a free tour to a blueberry farm nearby and some cooking class voucher. So there are a lot to do and I'm very much looking forward to it.

We will be going the weekend after our actual anniversary because it falls during school holidays I rather not go then, we will probably still go out somewhere on the actual night but it will be something small. I always make sure we do something special for our anniversary that's why it is in my financial goals. DH's birthday is just 2 days after our anniversary so it is even more reason to celebrate for us.

I normally try to limit the spending around $500 (definitely no more than $600) because I like to leave $1,500 to go towards Christmas spending.

My budget for this will look like this:
Accommodation - $299
surcharge - $60 I think this is payable later.
Transport - $30-50 This might include tolls if we want to get there quicker.
Food - $100 -$150 We will bring some food and drinks with us, unfortunately there is no kitchen so we will be limited on what we can bring. We will have at least one nice ("fancy") dinner out.

Anything more than this will have to come out of our allowances.

*No news about how much the car repair will amount to yet. DH will be home soon though, I'll find out then. I'm really hoping it is not too much. The no phone call from them kinds of a good news. They said that if it is small job they can do it today but if it is big we will have to book it some other time. If it is big and costly they would have called us by now.


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...

Anniversary Weekend Getaway

August 29th, 2012 at 06:42 pm

I found and already booked a place to stay for our anniversary. We will be going south, about 3+ hours away from our place. The town is called Warrnambool, it is on the coast just pass The Great Ocean Road. It is known for whale watching, Im hoping we will be able to see one, October is the end of the season though so Im not expecting too much. The place we will be staying at is near an underground aquifer and so they have their own naturally heated geothermal spa, I cant wait to try that.

The overnight stay will cost $129 including breakfast, bottle of sparkling wine, unlimited access to the geothermal spa (they are normally $15 per person) and late check-out. This will leave us with $171 for gas, food and fun stuff that we would like to do. We will probably bring some food with us too.

Long Weekend

June 6th, 2012 at 10:25 pm

Last week DH and I discussed about maybe going away this weekend since it is a 3-day weekend (its the Queens birthday holiday on Monday). We thought about maybe going to a place called Lakes Entrance (about 3 hours away from our place), we havent been there since our honeymoon visit. I thought about maybe going there for an overnight stay (Sunday night) then coming home Monday afternoon. Unfortunately, with all the rain we have been having the whole area is flooded. Some town has been evacuated and a lot of the roads are closed. So I think we will just stay home and we will make it a footy weekend, i.e. we will be watching footy all weekend. It will be a stay-cation instead.

Airfare and Gift Basket

May 7th, 2012 at 09:51 pm

This morning I saw an ad on TV for an airfare sale, its buy one get another seat for free. Unfortunately, its only on Oct to early Dec and for limited number of flights. I called DH at work and we decided to visit his parents in late October. We will only go for a weekend, so only an overnight stay. Actually found an $89 (for two) for an early Saturday morning flight. But we have to pay $89 each for a Sunday night flight home. This was the best value we could find in peak time. Normally these days it will be at least $120 each 1-way. The total cost in the end is $283 (including a $16 fee to pick your on seats). DH thought it was necessary, he wanted us to seat together. I couldnt care much for it because it is only an hour flight, but DH wanted it and it is nice to have DH seating next to me when I have ear pressure problem while flying, it can be very stressful and he helps me relax.
Im budgeting $500 for this trip. Will need about $60-70 for taxi back and forth to the airport, the in-laws will pick up/drop us off from their end. We will give $100 to the little kiddies as belated/early birthday gifts. This will leave us around $50 for spending, just in case we will need to buy food.


Last night I finally got around to ordering the wedding gift basket, it has a bottle of nice sparkling, two champagne glasses, champagne bucket and chocolates. It should be delivered this afternoon, just got an email from them this morning telling me that they are about to dispatch it. I like their customer service. It cost $115, including $15 for delivery.
The pilaf turned out really well last night, it is a very good one pot meal. Tonight Im planning to make Singaporean noodles but without prawns. Dont have any and Im allergic (but I still eat them coz I love them).

Been Gone and Back

October 21st, 2011 at 12:42 am

We had a fantastic holiday. It rained on the first day (we got the tail end of the storm from up north Bangkok area) but for the rest of our holiday the weather was perfect. Apparently, the week before it was raining non-stop, so we were lucky. On the first day when it was raining so hard we spent most of it shopping at a big shopping mall. I got a bit of Christmas shopping done, stuff are a lot cheaper than here in Australia but then again anywhere else is cheaper than here.

We did a lot of swimming, the pool in the our resort is salt water instead of chlorine, which I found so much better. We decided not to go swimming in the ocean though, because of terrible weather it was not very clear and it was very rough. We just walked on the beach and bought some fruits in the near by street vendors. DH got addicted to banana pancakes and coconut juice, they were everywhere and so cheap.

We ended up spending ~$1,400 (although I still need to confirm this when our Amex bill comes, there might be a slight difference due to exchange rate). Around $325 however are christmas/gift spending. So in the end we spend just a bit over $78, $1000 was our budget for spending. Coincidently, we spent $77.21 on duty-free alcohol in Singapore airport, this was a last minute decision to get some. For it we got 2 1 litre bottles of Baileys and 1 litre bottle of Chivas Regal, this would have cost over $100 here.

Overall this is what we spent = $3,456.88:

Accommodation - $199.00
Airfares - $1,735.82
Shots - $260.00
Airport Transfers - $75.00
Travel Insurance - $108.63
Holiday Expenses - $1,078.43

Was hoping to only spend $3,000 but because of the shots and insurance it didn't leave us much for spending. Still $1,000 on spending is still very good.

The $325 on top of this expenses was mainly spent on DH suit, that was for $170, it would have cost here for at least $250+. The material feels really good and it fits him perfectly, we've always had problem getting him the perfect pants because his legs are shorter proportion to the rest of his body. Also got couple of Adidas shirts for $6 each, one for DH and one for my brother's birthday present. I also found a bag I been looking for, I got one for only $25, the cheapest I could find them here in Australia was for $60. Also got some stuff for my mum and DH's mum.

Unfortunately/fortunately, our resort was not near the shops so we didn't have as much opportunity to go shopping or to spend too much money! We had to get a taxi or tuk tuk to get to the markets and shopping malls. The resort did have a complimentary tuk tuk every hour that would take you to one of the nearest beach Nai Harn and they had some shops there but not that much. We took advantage of that couple of times, I went there to get my Thai foot massages, 1 hour massage for only 300 Baht (~$10 Aus) compare to the one in the resort which cost over $1,800 Baht (~$60) and then they probably then put an extra 10% for service fee and 7%VAT. The food were 2 to 3 times more expensive in the resort but because the taxi cost around 400-600 Baht one way it was not worthy going somewhere else to eat, unless you are already there for something else. We however found the buffet breakfast to be cheap, we managed to get it for $12 each per day instead of $17 by buying it all in one go. It was really nice that we probably eat too much of it. We found that we didn't really need much for lunch because of having too much for breakfast. We also found it to be cheaper to organise things ourself rather than going through reception, we went on an elephant trekking it cost us half than if we organise it through reception, and it includes free pick-up and drop off. We asked them to dropped us off to the town where we organise our tickets, which is only a block away from where we had to pick up DH's suit, which saved us 400Baht.

Wow this is a long entry. I will try to post photos later, if I don't get too lazy.

Both arms are really sore today

September 8th, 2011 at 07:46 pm

I ended up with 3 shots, 2 in my right arm and 1 in the left. They were for hepatitis A, tetanus and pandemic influenza. We ended up paying $260, so $130 each. I've already taken this out of the holiday fund. Now we just need to get travel insurance.

Before going to the doctors last night DH had to also go to his physio for his arm (tennis elbow injury). Thank godness that was fot the last time he has to see him. He has been going for over 2 months now (once a week). He had to pay full price yesterday because we have now used up all the deductables for physiotherapy for the year. It ended up costing him $65, instead of the $22.50 in the previous weeks. i just hope he doesn't get another injury for a long while, then maybe we can finish our renovation.

After yesterday, I really need a NSD today.

Another trip to the doctor

September 7th, 2011 at 07:11 pm

Last month I saw the doctor twice. It seems like DH and I have been going to the doctors a lot lately. DH got his ultrasound result for his hip the other day and it is some kind of blood clot (not the scary type) that will just go away by itself. But unfortunately his eye will need surgery, the antiboiotics didn't work. He has to go see an eye specialist. It will just be very minor procedure.

Tonight we got another doctor's appointment, we are going to see the doctor about getting shots for our trip. I'm not looking forward to it. Frown I don't how much it will cost, I won't be suprise if it cost aroung $100 each. This will come out of the holiday fund.

Last night we went crazy and got some KFC. DH also paid for gas bill last night.

Booked our flights

August 17th, 2011 at 10:05 pm

I've been looking at the net and even contacted some travel agencies for over a month now trying to find a reasonable airfare price. Last night I finally found one that was very good, cost wise and travel time. With this one, we will have a stop over in Singapore airport but will not require to stay over night. The cheapest one that the travel agent found required stay over night in Singapore. We almost went with it but I thought to have one last look online last night. Luckily, I did because there were new flights available for our dates that was a lot cheaper. It's about $400 cheaper all up.

Accommodation and flights are now paid for. So far we've spent $1935. I'm hoping to only spend $3,000 for this trip. We still need to get shots and travel insurance. This will probably only leave us $700-800 to spend. Hmm I don't know if this is enough for 8 days. I think if DH and I try we could save about $200 from our allowances by then. This will give us $100-120 per day. So far we don't have plans to do much extra activities. We want to wait until we get there to see what we want to do and if the weather is good. I'll be just as happy staying by the pool or at the beach relaxing and also going to the market or shops to look around. I'm not that big on buying too much souvenirs. But I am thinking of getting DH a suit made over there but that will be taken out of our normal clothing budget.

After taking out the flights and accommodation cost we only have $340 left in the Holiday Fund this year. The other $1000 (for spending money, shots and insurance) will come from our Anniversary/Xmas Fund. It is just appropriate since we are going there for our 5 year anniversary. So we will only have $700 to spend on Christmas this year. Actually it will be less since we alreay spend some on gifts.

If things get really pricey, I always have my Sunny Day Savings to fall back on (see My Pages sidebar), it has about $850 in it right now.

I'm starting to really get excited about this trip now.

1 more day til pay day! Looking forward to putting some extra money into the mortgage tomorrow.

No Vietnam, Yes to Airconditioner.

August 16th, 2011 at 12:07 am

We decided not to go to Vietnam afterall but we will still go ahead with Thailand. Unfortunately, Vietnam would cost us too much and it added too much time spending flying and waiting by the airports, which is not my idea of a holiday. Maybe one day we will visit DH's cousin now that he has decided to stay and live in Vietnam for a while.

The money that we were going to spend for Vietnam we decided to spend instead replacing our ~30 old air conditioner that is not working that well anymore. There was a nice sale on it the other week. Hopefully they will be installing it tomorrow.

Been going out a bit on lunch date with DH. It's middle of winter here but the weather has been really balmy. Great for lunch dates but it makes me think that our summer will be extra hot this year.

Mortgage Update

July 15th, 2011 at 01:06 am

Put in another $1K into the mortgage today. Yea!
DH is getting paid next week so we should be able to put a bit more again. I'm aiming to put $2K extra a month for the rest of the year.

Spent a bit of money in the last few days, we had relatives came and stayed with us. Grocery bill was a lot higher than normally, they are picky eaters. Also took them out for dinner, it was someones birthday and ended up spending close to $200. I'm glad this doesn't happen often.

We received a wedding invite last week, to be held in Vietnam in the same month we are planning to go to Thailand. At this stage we are hoping to do Thailand and Vietnam at the same time.

Family health issues and Fiji Holiday

May 26th, 2010 at 03:00 am

A lot has happened to us this month that I dont even know where to start telling you about it. 3 weeks ago we had to go interstate for an emergency because of DHs grandmother, she was critical in the hospital, luckily she is now recovering. Without hesitation we flew out few hours after hearing the news. We stayed with my in-laws for few days, our accommodation and most of our foods were covered. We still however, spent all up $770+ on airfares, car rental, taxis, and a bit on food. Ive decided that this money will come out of our Emergency Fund. I will probably repay the EF at the end of the year. I just want to achieve all my financial goals this year first before I do anything else.

2 weeks ago we went to Fiji for our holiday this year... it was fantastic! We stayed for a week, and spent a bit too much. We went over our budget by over $600! Oops! I have decided to take this money from our Sunny day savings. Our Sunny Day saving is for anything that we really feel like spending it on. In the past Ive mainly used it to buy some shares. This is where my $5 per NSD normally goes into and in the past I used to also put $200 a month into it but I have currently stopped this regular monthly deposit. Despite the overspending we really enjoyed our holiday and wished we stayed longer (I will try to post some photos on the weekend).

It feels like we havent been home at all this month. Financially, it is going to be a so-so month, there are some big bills due like our quarterly property rates/tax and a lot of medical bills for DHs injury. Also, in the last few days DH and I havent been feeling too good. I think it is probably from too much travelling and the change in the weather, luckily we havent really spent any money for it and we are now recovering well.

Hopefully, I will be able to catch up on everyones blog in the next few days. I missed you all.

Some Photos from our Holiday

September 15th, 2009 at 12:23 am

Our holiday cost was just few cents below $1,930. It was worth every cents. Our accommodation was expensive but was very nice, the view from the balconies (it had 2) was priceless. Hopefully next time we go to this side of the country I'll be game enough to snorkel at the Great Barrier Reef.

Back from our Holiday

September 13th, 2009 at 01:24 am

We got back couple of days ago but was too busy to blog. I haven't even uploaded any of our photos from the holiday yet. We had a great time, and the bonus was that we went way below our budget. I budget $2,500 but only spent less than 2 grand. We saved a lot by cooking all our meals, we didn't eat out at all, only spent some on some snacks. We could have saved more, but the food in the island on average costs about 2 to 3 times more than want it is normally at home. The costs for activities were pretty reasonable. We did a lot of swimming, kayaking, hiking, cruising around the island with a golf buggy and just relaxing while watching the sunset. We also went on a boat cruise to "find Nemo" at the coral reefs.

Hopefully, in the next few days I can finalise everything and might even put up some photos.

Costly Trip but was a lot of fun

August 1st, 2009 at 10:10 pm

The actual trip it self wasn't as much as I expected it to be, it was about $100 less than I anticipated (all up we spent just under $310. What cost a bit that wasn't in my budget was when I broke my favourite sunnies Frown. While trying to put my gear on I dropped it and simultaneously took a step forward, with my ski boot on I stepped on it breaking it into several pieces. There was no rescuing it. I bought that thing less than 3 years ago for $180, so that was the unexpected cost. I will need a new one before we go away for our vacation to the Whitsundays (to the beach) in few weeks time . I was actually thinking already of getting a new one (with prescription) this christmas. I guess I will be getting it earlier than planned but I will just get an ordinary sunnies and keep wearing contact lenses. I was also already planning to get my new prescription glass this month but I think I might get them around Christmas time and I think I will get one with transition lenses instead. I seem to have a lot to think about Smile.

Fortunately and unfortunately it wasn't sunny, so I didn't really need my sunglasses but it wasn't the best condition for skiing. There wasn't much fresh snow so it was more ice. This is not the best snow field in Victoria, and we would definitely will go somewhere else next time. The place took almost 4 hours to get to, next time I would rather we go to the ones that take 6 hours or so but nicer resorts. I would also prefer to go for few days rather than just a day trip to get more time on the snow.

Not the best weather. Loved watching the kids and some adults getting ski and snow board lessons.

Planning a get away

July 20th, 2009 at 07:53 pm

DH earned some extra money this month (couple hundred dollars on overtime) and we are thinking of spending it on a day trip.

The trip will probably cost a bit more than couple hundred dollars so we might have to take some out from our allowances or holiday fund.

There is nothing really to update here. I'm still trying to save as much from our grocery budget. It is slowly getting better but I think we might to have a challenge next month to only spend $150-$180 on grocery. It will require a lot of planning but I think it can be done. It would mean doing menu planning again.

Update and Holiday Planning

June 11th, 2009 at 07:06 pm

Had problem logging on here yesterday.
Anyway, I got really lazy yesterday and didn't do much at all. I did managed to do some ironing (which I hate so much!). DH spent some money on gas and I also got him to get us some toilet paper.


We have decided to go to the Whitsundays for our holiday this year. We are going in 3 months time. We currently have just less than 2 grand (saved last year) in the Holiday Fund. I will most likely start putting more money in it again in 2 months time. My budget for this trip will be around $2-$2.2K. The flight are reasonably cheap but the accommodations are not.

Last Week...

July 21st, 2008 at 03:16 am

was another very expensive week. Both DH and I went to see the dentist last week. I will have to go back next month for some fillings. DH had to also see the doctor twice. Not to mention the car service was very expensive. The rest was spent on groceries, take-away and gas, and also some snacks. Apparently, the accommodation that we booked last week will not actually be paid until we go on our holiday so I will take that amount out. I guess if we decide not to go we won't have to pay, that's good.

We only got 1 NSD last week. Hopefully we will have a bit more than that this week and to start the week today was a NSD Smile

I got a massive headache right now so I'm off to bed early.

Short Update

July 14th, 2008 at 06:03 pm

We haven't had a NSD for over a week. Spent a bit of money last week. I bought some gifts, food, fuel, snacks and of course the tyre repair.

The other day we booked and paid for our accommodation for our up coming holiday. Not too bad i guess.

We're back...

March 26th, 2008 at 04:24 pm

We just got back from our holiday, visiting families. I didn't have time to blog before we left last week. Our holiday was great, we just went interstate to New South Wales (near Sydney). All up we spent just over $220, this is including the airfare which was paid last year. I will take the costs out of our holiday fund, which should still leave us about $600 in there.

Well, I got to catch up reading everyones blog so catch up with you guys later.

Christmas Total and other random talk

December 25th, 2007 at 09:47 pm

Well, we managed to stay under budget. We still got just over $21 left in the Xmas fund. Smile
I think I will use the left over for NY eve celebration. Our christmas was good, ate too much as per usual. Spent most of it buying great gifts. Just love giving gifts. It's great to have money set a side for this kind of occassions, no stress at all. We will be doing it again next year. I'm thinking of putting $70 p/month for it.

I'm still tinkering with my spending plan for next year, pretty much done. I'm getting really excited about next year, we will be focusing more on investing and saving. There will be quiet a bit of money coming in around early next year.

We are about to open 2 managed funds (maybe be 2?), domestic and international. Pretty much decided which once ones we want to get, we already got the money set aside for it (from the company shares that we sold few months ago). We will then be putting $100 p/m for each funds. Hoping to keep these for at least 10years or more, maybe until retirement. We'll see.

Overall, our spending this year has been very good, way better than the previous years. But I would like to do even better next year. I've already told DH of an idea I got on lowering our expenses (it will be our personal challenge for 2008), he seems to be with me in this one. I am in the process of putting together a plan to achieve this goal/challenge. And will blog about it once it's done. In my head it's achievable!