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Viewing the 'Monthly Income & Expenses' Category

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.

March numbers

April 5th, 2017 at 09:55 pm

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

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

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

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

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

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

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

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

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

New Payslip

July 9th, 2014 at 07:34 pm

DH received his new pay yesterday. He will be getting paid fortnightly from now on, which is good. It was for just below $3,000, it is not for a full two weeks only for 9 days but still a bit disappointing compare to what he used to get. We will just have to get used to it I guess. At least he will get paid for holidays now though. I did a bit of calculations last week on what this next year will be like for us financially unfortunately it will actually be $140 less than what I thought he would get net per month. So $1,680 less per year. I will need to re-do my calculations.

On to the good news, DH is still owed about 2 weeks worth of pay for last month. His old agency will be paying that next week.

Jan 2013 Mortgage and Pay

January 6th, 2013 at 05:16 pm

Mortgage got paid few days ago.

Paid = $1218
Interest = $548.39
Principal = $669.61
Current Balance = $111,130.37

DH actually got paid on Friday, it is for only 2 days worth. This is because of the christmas break he only worked 2 days for that week. And because they paid him for 3 weeks worth before the christmas (which I'm accounting for in this month's income).

====================

Yesterday should have been a NSD but I was silly and decided to stop at KFC for burger and chips after our run, I been wanting some for days. I wish I didn't it wasn't that good, DH didn't even have any, not even 1 chip. We came home and he made himself quinoa and tuna salad.

The run was really good until my shin started getting really tight, I thought I was going to get cramp. I thought I was going to run it in 35 minutes but ended up finishing it in 40mins Frown . I've always have problem with my shin, I need to stretch it better.

The weather is going to hot here again today (38 celcius), not as bad compare to NSW where it is going to be 46 in some area of the state. There are still some fire burning around our state. Tasmania however was devastated by the bush fire, there is a whole town that has been wiped out.

Mortgage and happenings here

December 26th, 2012 at 04:54 pm

Christmas day I decided to gift our mortgage holder bank $500.

Current balance = $111,799.98 (we should get this under $110K next month)


Our christmas was really good, nice and quiet just the way I like it. Still trying to get through the ham, we managed to finish the turkey last night.

Christmas eve we almost called the ambulance because I had a really bad reaction to some prawns. It was the worst I felt, so now I can't eat it at all anymore. I will be making an appointment to see my doctor and to get a referral to see a specialist.

Boxing day (26th of Dec) we decided not to bother going shopping (at the start of the month I was planning to go), we got so much stuff that we needed and wanted before christmas that we really don't need/want anything right now. Boxing day was almost a NSD until I saw and ad on tv about airfare sales. We decided to go get 2 returned tickets for mid-Jun, it will be a long weekend for us, Queen's birthday public holiday. We will be visiting DH's family again.

Today, Dh went back to work Frown. I'm at home watching the cricket game. Few days ago, while getting cash out of the ATM DH found out that he got paid in advance again. The same thing that happened last year when they paid him just before christmas. The pay was for 3 weeks worth, he will most likely get paid again next Friday for 1 week's worth but in this case only 2 days becuase of the holidays. I've decided to put this pay in the January book, I don't want to deal with shortage/negative month again like last time. January is the worst month for it because of couple of annual bill that we have to pay. It's not really a big deal I just hated seeing the negative amount at the end of the month, then have to rectify it in February.

April 2012

May 1st, 2012 at 01:14 am


Grocery - $230.00 ---(over $1.07)
Utilities - $100.00 --- (under $100)
Home Phone - $20.00 --- (under $3.77)
Mobile Phone - $40.00 --- (under $10.00)
Internet - $50.00 --- (under $0.05)
Fuel & Fare - $180.00 --- (over $48.15)*
Health Insurance - $250.00 --- (under $0.79)
Entertainment - $200.00 --- (over $19.19)
Gifts - $150.00 --- (over $63.50)**
Per/Med - $200.00 --- (under $30.19)
DH Allowance - $100.00 --- ($0)
My Allowance - $75.00 --- ($0)
Misc Items - $25.00 --- (over $11.65)

TOTAL = $1,670.00 --- (OVER $117.38)

Overall we went over by $117.38.
*Will have to be more realistic with my budget in our monthly transportation cost.
**Both some mothers day gifts that I wasnt planning to get until next month.

Utilities

April 19th, 2012 at 06:03 pm

I've just been reviewing my budget for this month, I just realise that we don't have any utility bill due. Normally the electricity bill would have been due by now. Thanks to the power of the sun and the work of our solar panels we only owe $2.88 for this quarter. Because it is below $10 they don't require a payment they will just add it on to the next bill. I'm hoping next electric bill will be even better, maybe we can get some credit instead. We lost about 2 weeks worth in the last quarter because the inverter wasn't working properly. It is all sorted now and we have not any problem since then.

Any saving we can get from this should hopefully help with the transport cost this year. Both petrol cost and train cost has gone up a lot this year. Two months ago they increase the public transport ticket by about 10%+ again.

Short

May 30th, 2011 at 07:53 pm

DH got paid on Friday but it was missing a full week of pay. He figured it out on Monday that it was the fax machine's fault. He fax his timesheets but 1 of it didn't get sent. So now he has to wait for it until next pay. So my plan last week to put more into the mortgage will have to be postpone, oh well. I will still send some maybe tonight. Was meant to send it on the weekend but I wanted to make sure we found out what happen to DH's pay first. I will have to recalculate tonight how much I can send. Lucky we don't have any big bills to pay in the coming weeks. Oh well, something to blog about.

I've been a bit busy cleaning up. Moving back to our newly renovated bedroom is taking a while. I've decided not to just dump everything back, I'm trying to be selective on what we put back into the bedroom. It's nice and clean at the moment and I would love to keep it this way forever. DH and I are doing well so far.

Somewhat unexpected

May 26th, 2011 at 05:50 pm

DH found out yesterday how much pay rise he will be getting. He came home very happy last night that I he even stopped by at the florist to get me flowers. I don't expect flowers all the time but once in awhile is a nice suprise. At this stage I was really happy to be getting a suprise and then he told me that he will be getting an extra $75 a day (before tax). I was estatic by then. We were hoping for about half of this, if that. This will be for 15 months contract. 9% of it will go to his compulsory retirement fund. And then the dreaded tax will be taken out. This should leave us around $30-$35 extra per day, so about $600-700 per month. Coincidently, this is about the amount our mortgage monthly payment have increase to. Sweeeeet.

Of course, since this is only a 15-month contract we still need to do our best to keep saving or paying extra to our mortgage. At this stage pre-paying the mortgage is our best bet, with the interest rate keep on increasing we really need to get rid of it.

DH's project however has already been funded for another 1 year after his 15-month contract finish. So he should most likely stay at this job for a bit longer. And then after that they can always ask for more funds. Who knows what can happen then.

Another unexpected money.

May 25th, 2011 at 04:11 am

I can't believe it but a money that was owing to me for work that I did about 10 months ago finally came. I have given up on actually getting this money that's why it has become now unexpected. Anyway, it was just a bit over $1,060. $1,000 will go to the mortgage. The rest we spent last night for dinner, we went to the casino here and had half a lobster, 1/2kg tiger prawns and pizza, they had a nice deal on seafood at the moment. All up it was only $61.60 including a glass of wine and soft drinks.

I won't bother putting the money into to the mortgage until this weekend. I'm going to wait for DH's pay this Friday. I'm hoping to put a bit this time. We shouldn't need much cash in the next 4 weeks. So far this month we are doing fairly well, we only need to pay our quarterly property rate, that will be $322. And maybe DH will need to fill up the car.

Update

December 3rd, 2007 at 08:50 pm

It's that time of the month to update my sidebar numbers.

We managed to save 13% of Nov's income.
I've put a bit more money in the xmas Fund. I will also empty my piggy bank maybe next week, and that money will also go towards the xmas fund.

Last month of this year-long challenge, I can't believe we achieved so much. Budgeting does really help!