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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.


March 2nd, 2015 at 06:05 am


January is normally the most expensive month for us because our annual car insurance and home and content insurance is due. This year it was 1,288.45 in total. We had to change car insurer because the old one went up too much. We also almost change the home and content too but when we called them they said that they have been sending clients the wrong quotes and reduced ours to a more reasonable amount (by over $100). Dodgy bugger! I have a feeling they would have never changed it if we didn’t call them. And for some reason this year they sent the quotes really late, we only had a week to pay for it, normally in the past they would sent it over a month earlier. I wonder how many people they screwed over.

January spending looked like this:

Mortgage - $1,218

Living Expenses (including the above insurance expenses) - $2,495.29

DH did a certification study (including materials and online exam) - $332.52

Other - $288.48 (Office supplies, camping items, plants, exercise tubes, 1 year fishing licenses for both of us and other small household items).

TOTAL = $4,334.29


Normally February is one of the lower spending month.

Mortgage - $1,218

Living Expenses - $1,128.02

We bought a New Mattress - $287.99 (got this online and was very surprise at the price because we been looking around in the shops and the cheapest we could find for the same kind was $800).

We went away for a weekend of camping and fishing - $65.80 (this included the fee for the camping site, food and bait for fishing – such an inexpensive weekend away and we caught a fish).

Other - $169.85
The 'other' expenses includes getting a laminator, 3 sets of cooking pots, garden supplies – pot plants and soil, and eco clothes washer from Aldi. The washer was about half the price than getting it at a camping store. DH and I has been talking about going away camping for few weeks, the washer would come handy.

TOTAL = $2,869.66

Apr to June Spending and some Update

July 1st, 2014 at 06:51 am

How did we go in the 2nd quarter of 2014?

DH went to his interview Friday, it went fine. He had to change in the car though. Also on Friday, everyone in his team at work got to sign their new employment contract. As of today, they are now fixed full-time employees for the next 12 months.

On the weekend we hit the half-way mark of our workout program. We went crazy and rewarded ourselves by buying a PVR and 3D Blu-ray combo. For years now the in-laws have been telling us that we should get one. Every time we went out to see how much they were we always thought they were too pricey. But with technologies these days if you just wait long enough you should be able to afford it. Plus because it June 30 is our end of the financial year, every stores have their massive sales. We got one for $318.40 (down from $466). The first time the in-laws suggested that we should get one they were around $800+. Even at the price we bought it at we were still not too sure about it. We went to 4 stores until we decided to go for it.

July 2013 Spending Plan

July 2nd, 2013 at 02:51 am

Budget for this month.

June 2013

July 2nd, 2013 at 02:01 am

Pretty good month.

Had $420 leftover for the month, I decided to put it into Goal #4. We will need probably around $500 for our anniversary in 3 months time.

May Budget

May 2nd, 2012 at 12:51 am

I forgot to mention yesterday that we had 10 NSDs in April. Thats $100 towards my Sunny Day Saving.

May Budget:
Grocery - $250
Utilities - $100
Rates - $340*
Home Phone - $25
Mobile - $20
Internet - $50
Fuel & Fare - $200
Health Insurance -$250
Entertainment -$200^
Gifts -$200**
Personal/Medical - $50
Clothing - $30
DH Allowance -$100
DW Allowance - $60
Miscellanous - $25

TOTAL = $1,900

*Our quarterly property rate should be due later this month.
**Will need to order that wedding gift this weekend.
^Im not really sure how much to budget for entertainment this month. We already got two dinners out plan, so Ive decided to budget more just in case something else will come up later in the month.

Jan Update

January 31st, 2012 at 10:27 am

I haven't done much blogging because there hasn't been much happening here financially.

Grocery - $150.00 (under $4.35)
Utilities - $90.00 (under $12.67)
Home Phone - $25.00 (under 0.61)
Mobiles - $30.00 (under $15)
Internet - $45.00 (under 0.10)
Fuel & Fare - $170.00 (over $3.54)
Car Insurance - $477.95 (-)
Home & Content - $566.55 (-)
Health Insurance - $230.00 (over 0.69)
Entertainment - $80.00 (under $65.10)
Gifts - $40.00 (under $1.00)
Per/Med - $30.00 (over $18.90)
DH Allowance - $100.00 (-)
My Allowance - $75.00 (-)
Misc Items - $20.00 (over $7.80)

TOTAL = $2,129.50 (budget)
TOTAL = $2,061.60 (actual) (under $67.90)

We did really well with our living expenses budget this month. Hoping next month will be the same. But our overall expenses this month is $646.10 over than the income received. This Friday is payday so we should be able to pay it back from that.

January 2012

January 5th, 2012 at 05:11 am

I used to post my monthly budget here couple of years or so ago and I think it helped me a lot staying on course.

I will have a very tight budget this month. i find that if I start the year tight it does a lot for achieving the budget for the rest of the year. I find it very hard to pull back once we have already over spend. Some thing always comes up.

This month the key to achieving our $21K challenge/ spending plan for the year. This is the month our car and home and content insurance is due, so if we can keep this month (and maybe the next couple of months)as low as possible then we can breath a bit easier for the rest of the year. A little bit of sacrifice now for a better year.

This is what our budget for this month:

Grocery - $150.00
Utilities - $90.00
Home Phone - $25.00
Mobiles - $30.00
Internet - $45.00
Fuel & Fare - $170.00
Car Insurance - $477.95*
Home & Content - $566.55*
Health Insurance - $230.00
Entertainment - $80.00
Gifts - $40.00
Per/Med - $30.00
DH Allowance - $100.00
My Allowance - $75.00
Misc Items - $20.00

TOTAL = $2,129.50

(* Actual Amount Due - Annual bill)

Grocery and Entertainment are extra tight this month. So does income so it needs to be done.

In saying that we do have some fun things that we have already organise this month. We will be going to a cricket match this weekend. It will not cost us much, the tickets was what I gave DH for christmas. Will take some snacks with us so we won't be tempted to spend on those. Also we might use another 1 of our restaurant voucher to go out for dinner before the game or we might just eat at home first before going and use the restaurant voucher some other time. We still got 3 vouchers left and they are due in March, so we will need to use them up soon. One a month I reckon.

JULY and August Budget

August 4th, 2010 at 12:35 am

July was a lot better than expected, we only went over our budget by $41. A lot better than the previous few months.

July Achievements:
-We had 14 NSD last month, so $70 into the Sunny Day Savings
-Have fully funded the Baby Fund for the year.woohoo!
-Only got $500 to go in the Car Fund, this should be done in August.
-Have put in some money towards the principal of the home loan. And now our cash flow is pretty low. This is because DH's reimbursement for hiw medical expenses that was meant to be deposited on our account on the 22 of July didn't happen. Hopefully they will put it into his next pay.

Here's hoping next month will even be better. We really need to see the dentist though.

June Budget

June 3rd, 2010 at 12:33 am

Told DH that we both need to do better with our budget this month.

Hopefully this month we won't need to spend money on medical bills.

- Fully fund Household Fund for the year - another $1,935 to go. (DONE)
- Read 2 books (Only 1 - was too busy swimming instead)
- Do 10Km on the exercise bike (I'm pretty sure I manage to do 10Km including the ones I did when we were on our holiday)
- Clean closet, put away summer clothes. (Half done)

- 15km on the exercise bike.
- Other types of exercise for 2 hours a week.
- Read 3 books!...hmmm lol
- Clearing/cleaning the whole garden such as trimming branches, weeding, spraying, fertilizing and some planting for winter.

May 2010 Budget

May 3rd, 2010 at 02:06 am

Our May budget, there are too many things going on at the moment so I don't know how we are going to go this month.

Oh I forgot to update my sidebar, I will do it now.

March Actual and April Budget

April 7th, 2010 at 12:52 am

This is a bit late, been so busy here with easter holiday. We have people over, which ruined our March budget. It's ugly, I don't know how we are going to get back on track , we are about 5% over the budget (the 19K challenge)at the moment. We were over by $439 last month, luckily we earned a lot more income. Although this doesn't really help with our 19K challenge, I guess this is the beauty of this challenge, no matter how much we earn we will try to keep our expenses at this level. We will try anyway...

March actual

April budget

TO DO (Mar):
- Put $300 into Xmas Fund (DONE)
- Put $300 into Holiday Fund (DONE)
- $1,500 into Household Fund (DONE - $2700 for the month yippeee)
- Read 2 books (done 1 1/2)
- Go for a swim and jogging or hiking (not much got done here maybe only 50% of what I really wanted to do).
- Clean outside area (DONE)

I will change/post my April to do list on my sidebar.

March 2010 Budget

March 2nd, 2010 at 02:57 am

Our budget for this month:

To do list (the same as last month:

- Put $300 into Xmas Fund
- Put $300 into Holiday Fund
- $1,500 into Household Fund
- Read 2 books
- Go on a day trip (maybe twice)
- Cont. cleaning outside area.

Feb 2010 Budget and Goals

February 1st, 2010 at 11:58 pm

I'm looking forward to this month, it will be a lot better than last month.

Feb To Do List:
(very similar to last month)

- Put $300 into Xmas Fund
- Put $300 into Holiday Fund
- $1,500 into Household Fund
- Read 2 books
- Go for swim and jogging or hiking.
- Clean/Clear the outside area.


November 3rd, 2009 at 10:39 pm

I finalised my October numbers the other day and have already updated my sidebar. I so busy at the moment to write out a proper blog entry.

These were my October goals:
1. Grocery bill under $200, by sticking to the Menu Plan and by only buying what is in the Grocery List.
==Didn't quiet make it, we only have over $300 in the grocery budget for the rest of the year==

2. Entertainment exp no more than $100
==Failed!! ==

3. Living expenses under $1,100
==Almost but because of execess in #1 & #2 goals, it was a bit over.==

4. Spring Cleaning
==I was happy with my effort but there are a lot more to do around the house, so this going to be an going goal==

5. Blog more often to stay motivated.
==I blogged a lot last month, almost everyday, until I got too busy==

Hopefully I will have more time to blog again next week...bye for now.

Ugly September

October 2nd, 2009 at 01:28 am

As can be seen on my side bar our Sept Exp was through the roof. A lot of our expenses are due in Sept and because it is the start of the warmer season everyone wants to go out. There are a lot of birthdays and celebrations that happens in Sept too. Christmas and New year babies.

We are now in the red with our Entertainment budget for the year and there are still 3 months to go. We really got to do better this month or we will never make our $19K challenge this year. Spent a bit more on groceries but a lot of it will use in Oct. So I expect to have a very low grocery bill this month but we might be getting visitors so who knows how well we will go.

Good news was that we still managed to have 8 NSDs last month.

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.

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

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.

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