Shiela's Personal Finance Blog

Pay day

(Shiela) — Wed, 17 Sep 2008 23:55:28 PST

Well today is pay day but it wouldn't clear until tomorrow. DH also got paid earlier this week. We now fully funded the tuition fund. And have now achieved all our goals for all our funds this year.

At the end of this month we should have $500-$600 extra money this month. That...

Update

(Shiela) — Wed, 10 Sep 2008 18:57:48 PST

It's really quiet at work at the moment, so I got time to do some blogging .

Financial wise it has been pretty quiet as well. Since I paid a bunch of bills on the weekend we havent really done much except for getting takeaway on Monday. We spent $12.85 for fish and chips. It...

Bills, Bills, Bills

(Shiela) — Sat, 06 Sep 2008 21:53:14 PST

Paid a lot of bills yesterday. Water was really high this month because it included the Annual Parks Charge. That was worth more than $55. The gas was also quite high because of higher winter usage. Can't wait for the weather to start getting warmer, which should cut down our gas...

Unexpected 2 NSD in a row

(Shiela) — Wed, 03 Sep 2008 05:31:29 PST

Yesterday's NSD was expected, however today NSD was not planned at all. We were meant to go to Aldi after work today but we got stuck in traffic. We were over an hour late than usual, it would have been already closed if we went. Oh well, we are not that desperate yet and will go...

Aug NSD

(Shiela) — Mon, 01 Sep 2008 19:09:51 PST

I forgot to mentioned that we had 8 NSD in Aug, so I put in $40 into the New Laptop Fund. I really don't like the name of this fund. So I have decided to put this money into the "Sunny Day Savings" instead. Right now we got $500 in that savings. That will make that a pretty reasonable...

August $20K Challenge Update

(Shiela) — Mon, 01 Sep 2008 03:49:59 PST

Overall, it was a pretty good month:

THE GOOD:
Grocery - the lowest we spent in a month this year.
Utilities - No bills due for this month (unfortunately Sept is going to be a lot more than normal).
Clothing - didn't spend a cent.

THE BAD:
Transportation - not really...

Month full of parties and laziness

(Shiela) — Mon, 25 Aug 2008 22:58:30 PST

Everyone seems to have their birthday around this time of the year. This month alone we have been to few of them already and there's one more to go this Saturday. To say that I'm over the entertainment budget is an understatement. Luckily we didn't spend too much last month. Unfortunately,...

July 20K challenge

(Shiela) — Sat, 02 Aug 2008 02:14:28 PST

Last month was an expensive month due to some minor medical expense, which required some on going treatment for a bit over a month. Overall it will cost few hundred dollars. We are now over our personal/medical budget for the year. I guess I should have allocated more fund into this...

Last Week...

(Shiela) — Mon, 21 Jul 2008 03:16:16 PST

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...

Another Car Expense

(Shiela) — Fri, 18 Jul 2008 04:17:30 PST

Well today we got our car service and it come to almost $700, ouch! I'm hoping this it for a while for car expenses. There was a lot of work done to it, I guess since we are using the car a lot more these days we need to get it service more often.

This month has already been very...

Short Update

(Shiela) — Mon, 14 Jul 2008 18:03:54 PST

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.

Tyre, Tax and Shares

(Shiela) — Thu, 10 Jul 2008 03:05:15 PST

We didn't need a new tyre after all, they just had to plug the hole. It only cost $25 in total. So now it's as good as new, according to the repairer guy. It should be our tyre are pretty new, not even two years old.

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DH just got his tax return form, he...

We need new tyre :(

(Shiela) — Wed, 09 Jul 2008 05:29:46 PST

We got a screw/bolt stuck in the tyre on the way home tonight. Either we drove over it or someone put it in there. What a pain! I think we will need to get a new one. We managed to get home okay. We just left it in for now. We are scared to take it out, it might deflate quicker if...

First week of July

(Shiela) — Sat, 05 Jul 2008 23:51:29 PST

Most our major expenses are due at the beginning of the month. For the first week of this month we already spent $2,000 in total mainly because of the mortgage. Yesterday we also paid the Gas and Electricity bill and the credit card bill. Also did a big grocery shopping, and put...

Today and Free Coffee

(Shiela) — Fri, 04 Jul 2008 04:11:29 PST

The soon to be new cafe near work offered free coffee to everyone in our building. The place is actually not opening for another week, but they are trying out their new coffee machine and wanted to get feedback on there coffee. It was very nice.

Did some shopping for gifts today,...

Baby Fund is fully funded for now...

(Shiela) — Wed, 02 Jul 2008 22:03:42 PST

I say for now because I really don't know how much I should be saving for this. I will probably put more money in this fund at the end of the year when I should have extra cash to throw around.

Funds Snowball

We managed to have $2,222 this month togo towards funding our funds....

Star Bucks is closing 600 stores in USA

(Shiela) — Wed, 02 Jul 2008 18:18:59 PST

Wow...definite sign that the US economy is slowing down.

June�s $20K Challenge & First 6mnth analysis

(Shiela) — Wed, 02 Jul 2008 15:57:10 PST

Overall, June�s expenses were not too bad. The biggest expense was for our quarterly property rate/tax. The big increase in fuel consumption is due the changes in the way we are travelling to work. We are now driving more than taking public transport, it is actually about the same...

Last week of June & New found energy for financial clean up

(Shiela) — Mon, 30 Jun 2008 21:40:32 PST

Well today I got up early and straight away clean the bedroom and put a load of washing in the washing machine, before I had my breakfast.

Yesterday was our end of financial year, so today I wanted to tidy up our finances. I called to get an online account for my managed fund,...

This Week's update - 3rd of June

(Shiela) — Sun, 22 Jun 2008 01:57:37 PST

Well it's Sunday 7pm here, so it is very safe to say that today is a NSD, This add up to 3 NSD for the week. Yesterday was a very spendy day. First we went out for a birthday lunch and then we went shopping for some items for the house that has been in our to do lists/ to get lists...