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Archive for February, 2009

NSD

February 5th, 2009 at 10:35 pm

We had our 2nd NSD for the month.

Just updating my sidebar. Not much else is happening around here. Mortgage interest payment was a lot lower than I expected. Nice!

Have a great day everyone Smile





6 Feb - 9:30am



Daily Update

February 4th, 2009 at 01:46 am

Well DH ended up getting some gas for the car, so it was not a NSD yesterday.

Mortgage payment should come out today, it would be around $950. Hopefully this will get down to around $850 next month (might even be lower b/c of the shorter month - Feb). I can't wait!

We are just waiting to see if the stimulus package will come through. The most I'm excited about it the proposed free insulation, I just hope we can get it since we are planning to get this done this year anyway. Less money for us to spend. I really think these type of scheme is better than just giving people cash. It provides jobs and it's good for the environment. I really think the best solution is to create more jobs, if people have job security then consumer confidence should go up. This should be the best time to up grade our really old infrastructure. Can you believe that there were over 1000 train cancelled during last week's heatwave b/c the tracks and the trains couldn't cope. What about solving our water problem? And other problems that should been solved 10 years ago.

Anyway that's enough about that for now. Have a nice day everyone.





4 Feb - 12:45pm

Daily Update

February 3rd, 2009 at 12:29 am

We had our first NSD for the month yesterday. I'm hoping for another NSD today but I think DH might get some fuel today. We probably only used half of the tank but he reckons the price will be going up soon so he wants to fill up before then. Good idea I say.

Mortgage and some bills will be due tomorrow. We should be getting another interest cut on our mortgage later today. The Reserve Bank of Australia will most likely cut another 1%. For us that would be another ~$100 p/m saving (depending on how much our bank will actually cut) on our mortgage interest rate. It should take affect next month.

I just got notice for my licence renewal, due late this month. This is one of those bill that I haven't thought about so it is not budgeted for. I can either get a 3yr licence for $34 or 10yr licence for $115.50. This is actually been discounted by 25% because my driving record is clean - cool! I think I will get the 10yr, I won't need to deal with it for another 10 years.

BTW the weather today is so much nicer.




3 Feb - 11:30am


Jan Total and Feb Goals

February 1st, 2009 at 06:32 am

I met all my financial goals last month but didn't make a dent on the other stuff. We spent $1,820 out of the $19K challenge. About $1,200 of it was for our annual car and home & content insurance. It was a very good month overall.

I am particularly very happy about our $100 grocery challenge for the month. I guess the most obvious goal for this month is to make sure we keep the grocery expense within our normal grocery budget (which is about $230p/m). BTW we did our first grocery shopping for the month today and spent just over $120. I tried not to get too much meat, just in case we get another blackout. We lost our power the other, luckily it was for just over an hour (unlike some households who didn't have power for 2-3 days in a 40+ deg celcius heat).

Another good thing that happened last month is I managed to put more than double what I expected to put in the Household fund. yea!

And 17 NSD for the month! A record for us.

Anyway, here's my goal for the month of Feb:
* Declutter Spare Bedroom (Started)
* Put junk into boxes in garage
* Do some painting
* $1K into Saving/Invest
* $900 into H/hold fund
* Grocery budget under $240 ($119.56 left)
* 10 NSD for the month

I really hope to be able to get some of these non financial goals done this month.




1 Feb - 5:30pm