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OCTOBER 2018

November 8th, 2018 at 10:43 pm



This is very late but I’ve been away and got sick since the last day of our holiday. We got back Tuesday afternoon and I have just been trying to recover from it.

So Week 43 and 44 was spent away on our holiday, we went and visited relatives interstate. And then somehow end up getting a camper trailer – that was not planned at all. I will do a separate blog about this purchase and about our holiday later.

October Total = $4,706.26

CAMPER TRAILER = this includes the cost of camper trailer for $2,300.

GROCERY = $188.19

UTILITIES = only for electricity bill this month, $126.93. This was our first payable bill for the year.

PROPERTY RATES = $202.90 – for some reason they are now taking the money out of our account on the first of the month instead to the end of the month, so in September we actually didn’t had to pay this.

Household and Garden Items = $177.91

DH Birthday and Anniversary = 311.92

~~~~~~~~ 2018 GOALS~~~~~~~~~~~~~

Financials-

*Put as much money we possibly can into Investments (at least $45K). Buying the camper trailer made us missed out on achieving this goal in October but it should really happen in November.

*Save $4K for Holiday money. In the month of October we spent $439.14.

*Save $5K for future House Repairs/Future Remodel.


Other –

*Read 70 books. I didn’t get to do as much reading while on holiday.

148. Brave New World - Aldous Huxley (2 Oct)
149. Unforgivable - Mike Thomas (4 Oct) - Audio
150. The Examined Life - Stephen Grosz (8 Oct)
151. The Other Half of Happiness - Ayisha Malik (9 Oct) - Audio
152. The Couple Next Door - Shari Lapena (11 Oct)
153. Unwritten - Jack Delosa (12 Oct) - Audio
154. The $1000 Project - Canna Campbell (15 Oct)
155. The Love that I Have - James Maloney (16 Oct) - Audio
156. 10% Happier - Dan Harris (17 Oct)
157. Anthem - Ayn Rand (18 Oct)
158. The Unquiet Dead - Ausma Zehanat Khan (25 Oct) – Audio
159. The Power of Now - Eckhart Tolle (30 Oct)

*Learn Spanish. – yes, daily.

*Workout 3/4 times a week. – did really good before going away but we only did walking the dog while on holiday

*Try new recipes every other week. – Yes, I tried cooking beef brisket for the first time and I fermented some swiss chard before we left. The fermentation turned out well and we been having some for the last few days. I also tried baking bread in the bbq.

*Blogging once per week. - Failed

*Continue Garden/Landscaping. - Yes

*Wake-up early (before 7am) - Yes

*Continue Decluttering. - Yes

SEPTEMBER 2018

October 2nd, 2018 at 09:39 pm



Total Spending for the month = $1600.05

GROCERY = $277.35, a bit more than I was hoping for but still under $300 so we are still doing very well since September had 5 Saturdays.

WATER & GAS BILL = $393.60

HOUSEHOLD & GARDEN = $215.15

ENTERTAINMENT = $349.59 , high, very high. Celebrated few birthdays and got far too much takeaway food.

GIFTS = $157.75

~~~~~~~~~~~~~~~~ 2018 GOALS ~~~~~~~~~~~~~~~~~~


Financials-

*Put as much money we possibly can into Investments (at least $45K).
We are now at $42K, so we should achieve this goal in October.
*Save $4K for Holiday money.
N/A this month
*Save $5K for future House Repairs/Future Remodel.
Still not sure what we want to do with the house but I decided that the savings that we have been contributing to the “Car Fund” will now be for this (if we ever need it). We have been putting $200 into a couple managed funds for 10 years now; it has mainly been earmark as “Car Fund”. Last year the account got to just over $40K, we decided to take out $10K (we don’t need $40K to buy a new car, if when we get a new car we will be getting the one around $20-25K). So, that 10K got invest into something else. Anyway, last time I looked it was again almost to $40K mark (although it might have gone down since then, the market has been down in the last few weeks). We will just continue putting $200 a month and see where it can get to.

Other –

*Read 70 books.
I didn’t have as much time to read. I listen to a bit of audio books while doing the grout. Also I finally found a Dave Ramsay book, first time reading his book.
134. One of Us is Lying - Karen Mcmanus (2 Sep)
135. The House - Simon Lelic (6 Sep) - Audio
136. Stuffocation - James Wallman (7 Sep)
137. Minimalist: A Better Life with Less - Anthony Wright (9 Sep)
138. Altruism - Matthieu Ricard (14 Sep) - Audio
139. The Diary of a Young Girl - Anne Frank (15 Sep)
140. The Honourable Thief - Meaghan Wilson-Anastasios (17 Sep) - Audio
141. Hag-Seed - Margaret Atwood (19 Sep) - Audio
142. The Total Money Makeover - Dave Ramsay (20 Sep)
143. The Awakened Millionaire - Joe Vitale (23 Sep)
144. Don't Wake Up - Liz Lawler (24 Sep) - Audio
145. Econobabble - Richard Deniss (25 Sep)
146. Find Your Why - Simon Sinek (26 Sep)
147. Ash and Bones - Mike Thomas (29 Sep) - Audio


*Learn Spanish.
I put in more time on this in September.

*Workout 3/4 times a week.
I would actually give myself an A here for September, I just need to keep it going in October.

*Try new recipes every other week.
I forgot about this in September. I cooked a lot of stir fry because we got a lot of snow peas and swiss chard right now in the garden.

*Blogging once per week.
Yes.

*Continue Garden/Landscaping.
Have been doing a bit more work outside.

*Wake-up early (before 7am)
Yes

*Continue Decluttering.
Yes – we have been doing some spring cleaning. I need to drop some more stuff to the charity place.

August 2018

September 2nd, 2018 at 11:21 pm

Total for the month was $1,247.36. Not too bad and it was mainly because we did not have utility bill due (this is going to be different story in Sept) and there was no property rate again in August (but it is starting again in Sept, for 10 months and we just receive the statement, it is going up a bit). Some highlights on our spending:

GROCERY = Total for the month was $246.99, under $250 so I’m happy. I think we will try to keep our grocery spending at this level, so around $45-50 per week.

TRAIN FARE = Big one this month $245.04. DH bought a 4 week pass on the last day of Aug. DH decided to take a break from taking the early train in September so he and I can do our workouts in the morning together. So he won’t be getting discount (well… he is still get a bit for buying bulk rather than the daily pass) on his train fare in September but it is now all paid for the next 4 weeks.

ENTERTAINMENT = this was not too bad actually $175.18

ALLOWANCE = but this was not so good…$165.39. DH had to go to a lot of farewell lunches at work.

GIFTS = we had few gifts to buy for $213.00




~~~2018 GOALS~~~


Financials-

*Put as much money we possibly can into Investments (at least $45K).
Back in early to mid-July DH signed up to salary sacrificed more into his Superannuation (retirement) fund, which means he has been getting less take home pay but it should save around $3K a year in tax. So, we got less money to put into this goal but this should still get fully funded in around 2-3 months’ time.

*Save $4K for Holiday money.
N/A this month but we are thinking of going somewhere in November.

*Save $5K for future House Repairs/Future Remodel.
N/A


Other –

*Read 70 books. – For the month of August I challenged myself to finish 1 book a day and I actually managed to do it.

101. What Lies Between Us - Nayomi Munaweera (1 Aug)
102. Witness to a Trial: A short Story Prequel to The Whistler - John Grisham (2 Aug)
103. The Other Side of Happiness - Brock Bastian (3 Aug)
104. How you Learn is How you Live - David A. Kolb & Kay Paterson (4 Aug) - Audio
105. The Power of a Half Hour - Tommy Barnett (5 Aug) - Audio
106. The Whistler - John Grisham (6 Aug)
107. The Five Levels of Attachment (Toltec Wisdom for the Modern World) - don Miguel Ruiz Jr. (7 Aug)
108. Free Yourself from Debt - Paul Clitheroe (8 Aug)
109. Last Seen Alive - Claire Douglas (9 Aug) - Audio
110. The Breakfast Club for 40 Somethings - Vanessa Stoykov (9 Aug)
111. The Alchemist - Paulo Coelho (10 Aug)
112. Frugal Isn't Cheap - Clare K. Levison, CPA (11 Aug)
113. Life in the Refrigerator Door - Alice Kuipers (12 Aug)
114. Hangman - Jack Heath (13 Aug)
115. Living Thin - Antonia Magee (14 Aug)
116. Happiness - Matthieu Ricard (15 Aug) - Audio
117. Broke Millennial - Erin Lowry (16 Aug)
118. Chaos to Calm - Shannah Kennedy & Lyndall Mitchell (17 Aug) - Audio
119. The Money Motivator - Paul Hannah (18 Aug) - Audio
120. The Mood Elevator - Larry Senn (19 Aug) - Audio
121. To Kill a Mockingbird - Harper Lee (20 Aug)
122. Don't Sweat the Small Stuff... and it's all small stuff - Richard Carlson Ph.D. (21 Aug)
123. Hyper-Capitalism - Larry Gonick & Tim Kasser (22 Aug) - (Graphic book)
124. The Star Principle - Richard Koch (22 Aug) - Audio
125. The Money Motivator - Paul Hannah (23 Aug) - Audio
126. Civil Disobedience - Henry David Thoreau (24 Aug)
127. Skin in the Game - Nassim Nicholas Taleb (25 Aug)
128. Enchiridion - Epictetus (26 Aug)
129. Metamorphosis - Franz Kafka (27 Aug)
130. The Duel - Anton Chekhov (28 Aug)
131. Get to the Point - Joel Schwartzberg (29 Aug) - Audio
132. The Little Book of Big Happiness - Bernadette Fisers (30 Aug) - Audio
133. 12 Rules for Life: an antidote to chaos - Jordan B. Peterson (31 Aug)



*Learn Spanish.
Still been doing 15 on Doulingo and have been watching some YouTube videos in the last couple of weeks. I will focus more on this in September maybe spend 3-4 hours per day instead of just 20 mins.

*Workout 3/4 times a week.
DH and I are going to do a bit more extensive work out in September. It was okay this month but really nothing to write home about.

*Try new recipes every other week.
I tried a couple, one was a disaster.

*Blogging once per week.
Yes

*Continue Garden/Landscaping.
Did do anything but we got to harvest some Swiss chard, snow peas and coriander from our dismal winter vegetable garden.

*Wake-up early (before 7am)
Yes

*Continue Decluttering.
Didn’t do anything this month but I will do some spring cleaning soon.

May 2018

June 1st, 2018 at 10:28 pm



Total Spending for May 2018 was $2,685.64

Grocery – $281.53

Household goods/ Repairs/Garden total = $327.17. $250 was for the plumber.

Gifts – was a biggie because of mother’s day and a friend’s birthday, it was $214.06

Utilities – Only got to pay Gas for $91.51

Holiday – So most of the month’s expense was because of the holiday which was $1,154.23


= 2018 GOALS =
Financials-
*Put as much money we possibly can into Investments (at least $45K). - we are around half way mark.

*Save $4K for Holiday money. – So far this year we have spent $1,746 that means we got $2,254 in our holiday spending plan for the year

*Save $5K for future House Repairs/Future Remodel. – We will put money under this once Goal #1 above is done.

Other –
*Read 70 100 books.
48. The Day Trader - Stephen Frey (3 May)
49. Bluebird's Egg and Other Stories - Margaret Atwood (4 May) - Audio
50. Every Single Secret - Emily Carpenter (8 May)
51. Sapiens: A Brief History of Humankind - Yuval Noah Harari (11 May)
52. The Road Less Travelled - M. Scott Peck (14 May)
53. Into the Water - Paula Hawkins (15 May) - Audio
54. Alias Grace - Margaret Atwood (17 May)
55. The Happiest Refugee - Anh Do (17 May) - Audio
56. The Drunken Botanist - Amy Stewart (18 May) - it took 3 months to read this, I just like picking it up once in a while esp when I'm drinking.
57. 10 Key Steps to Wealth - Paul Clitheroe (18 May) - Audio (very short book)
58. The Break - Marian Keyes (21 May)
59. Lost Temple - Tom Harper (22 May) - Audio
60. Savings and Investment - Paul Clitheroe (23 May) - Audio (short book)
61. The Woman in the Window - A. J. Finn (24 May)
62. My Name is Lucy Barton - Elizabeth Strout (24 May) - Audio
63. How to be Debt-Free - Paul Clitheroe (25 May) - Audio (short book)
64. Work Smarter: Live Better - Cyril Peupion (27 May)
65. Most Dangerous Place - James Grippando (28 May) - Audio
66. Turtle All the Way Down - John Green (29 May)
67. The 10 Pillars of Wealth - Alex Becker (29 May) - Audio
68. 7 Money Rules for Life - Mary Hunt (30 May)

*Learn Spanish.
I missed one day when we went away to Tasmania, I just totally forgot. After 100+ consecutive days, I’m now back to having 20+ consecutive days again.

*Workout 3/4 times a week.
Since we got back from our holiday I have been working out 6 days a week, just having Sundays off. I’m hoping to continue doing this for 100 days in a row.

*Try new recipes every other week.
I tried one new rice dish.

*Blogging once per week.
Done

*Continue Garden/Landscaping.
Put up new clothesline

*Wake-up early (before 7am)
Still getting up early and I have been reading first thing in the morning.

*Continue Decluttering.
DH has been doing most of the decluttering this month, he has been listening to the minimalist podcast and every night has been going through more of our paperwork in the office room. He has done a lot of shredding. A week ago I went through our clothes to get rid of some summer clothes that we won’t need next summer. We are just doing a bit at a time.

There you go another month down.

JANUARY 2018

January 31st, 2018 at 03:11 am

Total spending for January $ 2,687.99, more than $1,400 of this was for the 2 insurance bills. The lowest we’ve had for a long time in January. Under 3 grand spending in January needs to be celebrated.

Entertainment Spending - To celebrate a low spend month in January we went out for dinner last night. We went to a local Vietnamese restaurant and spent $21 for dinner. It was a really cheap celebration and it was generous serving too we both couldn’t even finish both our meals so we didn’t bother getting entrée or deserts and the tea is free so no need to get drinks either. This was our first restaurant dinner for the year but we got some takeaway meals throughout the month. Overall entertainment spending for the month was $99, which includes the movie tickets.

Grocery for the month – only $265.98, our lowest for a long time, over a year at least

New Mobile Phone – received my new mobile phone that DH ordered for me over Christmas. I’m put on the Doulingo App on it and have been able to learn some Spanish words even when I’ve been out an about. The actual phone got paid last month (Dec 2017) but I did have to get a case for it and also had top up this month so under mobile phone spending was $52.

Other – apart from usual, normally fixed amount items, we haven’t spent crazy amount in January. We only spent just over $130 for the garden and miscellaneous household items such as replacement for our water filter.

~~~~~~~~~~~~~~00000000000000~~~~~~~~~~~~~~~~~~~

Financials-

*Put as much money we possibly can into Investments (at least $45K). – Doing very well so far and it helped that DH got paid 3 times this month.
*Save $4K for Holiday money. – not needed yet
*Save $5K for future House Repairs/Future Remodel. – I’m thinking of maybe opening a new bank account for this.


Other –

*Read 70 books.
1 Outwitting the Devil - Napoleon Hill (6 Jan)
2 The One Thing - Gary Keller with Jay Papasan (13 Jan)
3 Rich Habits - Thomas C. Corley (15 Jan)
4 Crime and Punishment - Fyodor Dostoyevsky (25 Jan)
5 Irrational Exuberance - Robert J. Shiller (28 Jan)


*Learn Spanish. – I have been doing this every day for about 15 minutes

*Workout 3/4 times a week. – I was doing well but I didn’t do much last week when the weather was ridiculously hot.

*Try new recipes every other week. – I did one (it was okay, DH liked it but I didn’t) and I’ll try another one maybe on the weekend

*Blogging once per week. – Yes so far

*Continue Garden/Landscaping. – We have been doing some on the weekend when the weather is nice.

*Wake-up early (before 7am) – I have been really good, it helps that DH has been getting up really early so by the time he leaves home at 6:30 I already been having my coffee.

*Continue Decluttering. – Still happening, slowly but surely.

May 2017

June 1st, 2017 at 02:43 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.

Recap

March 1st, 2015 at 10:05 pm

January

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

February

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

June 30th, 2014 at 11:51 pm

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 1st, 2013 at 07:51 pm

Budget for this month.

June 2013

July 1st, 2013 at 07:01 pm

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 1st, 2012 at 05:51 pm

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 02:27 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 4th, 2012 at 09:11 pm

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 3rd, 2010 at 05:35 pm

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 2nd, 2010 at 05:33 pm

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.

TO DO (MAY):
- 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)

TO DO (JUNE):
- 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 2nd, 2010 at 07:06 pm

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 6th, 2010 at 05:52 pm

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 1st, 2010 at 06:57 pm

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 03:58 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.

Busy

November 3rd, 2009 at 02:39 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 1st, 2009 at 06:28 pm

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 04:29 am

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

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

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

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

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

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

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

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

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

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

This is our overall financial performance for 2007:



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

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

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