Just found out about losing 6 months’ worth of blog entries, that sucks.

Anyway we have been away camping - spent $245.45, a very reasonable price we cooked all but one meal.

September total expense was $2598.63. Grocery was only $201.96.

I think I will skip most of my goal update in this entry, I’m not sure it’s worth it. But goal 1 is now pretty much done at least it will be by the end of this month.

Reading – didn’t get much reading done in September and most likely not make it to 200 books but it’s ok.
109 The Waiting Game - Sheila Bugler (2 Sep) - Audio
110 Financial Freedom - Grant Sabatier (3 Sep)
111 Retirement Planning in Eight Easy Steps - Joel Kranc (7 Sep) - Audio
112 Falling - Chris Mooney (9 Sep)
113 All Things Nice - Sheila Bugler (10 Sep) - Audio
114 The Dumb Things Smart People Do with their Money - Jill Schlesinger (12 Sep) - Audio
115 The Broken Man - Josephine Cox (17 Sep)
116 The Blind Side - Michael Lewis (21 Sep) - Audio
117 The Rosie Effect - Graeme Simsion (29 Sep) - Audio

Fixing the fridge part III – DH had another go at fixing the fridge, this time he change the heating element thingy (can’t remember what it is called), he apparently check it and it showed that it was dead. The part cost $40 this time. I think he is now 90% sure it has fixed it.

March total = $2,779.75

Groceries - $276.35 (under)
Utilities - $330.49
Internet – DH prepaid our internet again for $780.
Car repair and service - $382.26
Entertainment - $136.89 (under but just)
Clothes - $114.45, DH bought new running shoes and I bought some clothes.

Financials-

*Put as much money we possibly can into Investments (at least $40K).
We are 25% done, so we are tracking well so far.

*Save $3K for Holiday money.
N/A

*Save $5K for "The Challenge"
March NSDs were 10 days, so $30 into the challenge. Nothing more this month. Total so far for this challenge is $394.00

Other –

*Read 200 books.

22. Your Brain at Work - David Rock (1 Mar)
23. Crazy House - James Patterson & Gabrielle Charbonnet (3 Mar) - Audio
24. Everyone Can Write - Howard Gelman (5 Mar)
25. Tripwire - Lee Child (8 Mar) - Audio
26. The Man who Mistook his Wife for a Hat - Oliver Sacks (10 Mar)
27. Healing with Iodine - Dr. Mark Sircus (13 Mar)
28. The Flower Girls - Alice Clark-Platts (13 Mar) - Audio
29. Peak Performance - Brad Stulberg & Steve Magness (17 Mar)
30. Handwiring Happiness - Rick Hanson (17 Mar) - Audio
31. Top Dog - Jens Lapidus (19 Mar) - Audio
32. Now You See Her - Heidi Perks (23 Mar)
34. Jane Eyre - Charlotte Bronte (27 Mar)
35. Homo Deus - Yuval Noah Harari (29 Mar)
36. The Break - Katherena Vermette (30 Mar) - Audio
37. Long Lost - Harlan Coben (31 Mar)

*Continue Learning Spanish.
Yes

* Wake-up early workout and or meditate 5 times a week.
Yes!

*Blogging once per week.
Yes

*Continue Garden/Landscaping.
Some

*Continue Decluttering.
Very little

*Learn to Draw
Need to do some.

Total for the month = $1,326.85
February is usually a low spend month for us even without trying.

Grocery = $310.61, we are over and I don’t really know why. I think it’s time to tighten our belts again with our grocery spending.

Entertainment = $125.89, under and I‘ve decided to put $10 into our challenge. Also put another $24 for 8 NSDs in Feb.

Other expenses worth nothing was for my license renewal, dog annual registration, and other personal and medical items.

Financials-

*Put as much money we possibly can into Investments (at least $40K).
We did very well in Feb.

*Save $3K for Holiday money.
We did not spend any money on this in Feb. We might look at doing something for Easter.

*Save $5K for "The Challenge"
As mentioned above, I added $34 dollars in Feb. I actually did a day-trade in Feb but that was to only see if my trading account still works. I made $10 and I decided not to bother putting that into this account. Speaking of account, I found out that I can open a sub-account in one of my bank account/trading account. I have only ever used this account for my long-term trading, but it does have an account for my cash and apparently I can have a sub-account. I just need to transfer cash into it.


Other –

*Read 200 books.
12 Before the Devil Breaks You - Libba Bray (5 Feb) - Audio
13 Moonwalking with Einstein - Joshua Foer (8 Feb)
14 How we Learn - Benedict Carey (12 Feb)
15 Killing Floor - Lee Child (14 Feb) - Audio
16 The Power of your Subconscious Mind - Joseph Murphy Ph.D. (18 Feb)
17 A Mind for Numbers - Barbara Oakley Ph.D. (20 Feb)
18 Linchpin - Seth Godin (22 Feb) - Audio
19 The Organized Mind - Daniel J. Levitin (25 Feb)
20 Night - Elie Wiesel (26 Feb)
21 Die Trying - Lee Child (28 Feb) - Audio

*Continue Learning Spanish.
Yes - I have also been watching some Spanish shows on Netflix (we installed Netflix again the other week)

* Wake-up early workout and or meditate 5 times a week.
It has been so hard to work out when the weather is so hot, around 36C (almost 100 Fahrenheit), 4 days in a row in that temperature last week. Sleeping has been hard.

*Blogging once per week.
I need to do better here.

*Continue Garden/Landscaping.
Too bloody hot, I just had been trying to keep the plants that we have now alive. There hasn’t been rain for over 2 months now.

*Continue Decluttering.
We took another couple of bags to charity.

*Learn to Draw
I’ve been learning to sketch a bit; I’m bad a it.

Total for the month was $2,289.32.

Groceries = total for the month was $254.63
Entertainment = $145.99, just under my pre-determined monthly allowable spending. I decided to turn-off Netflix for Feb, and might also do the same in March. I don’t have much time to watch Netflix at the moment. I’m sure I’ll put it back on again soon.
These two items are under my monthly budget. And I was supposed to put get a reward by putting some money into the Challenge but since it is only the start of the year I want to give myself some buffer for those months that we end up overspending.

Insurance = Total was $1,106.79 for both car and home.


~~~~~~~~~~~~~~~~~~~~~~~~OOOOOOO~~~~~~~~~~~~~~~~~~~~~
Financials-

*Put as much money we possibly can into Investments (at least $40K).
January was a 3-pay month so even thought we had a bit of bills (in particular the insurances) we managed to put some in the Investment category.

*Save $3K for Holiday money.
N/A
*Save $5K for "The Challenge"
For this month, I’ve decided to put $100 of our tax refund into this challenge. After everything was said and done we got $494.90 return. Some of this left over will most likely go towards getting DH a new phone.
Another $30 is deposited (this reminds me I still need to open a Bank account for this), figuratively speaking, for having 10 NSDs for January.

Other –

*Read 200 books.
1. Stockholm Delete - Jens Lapidus (2 Jan) - Audio
2. Killing Kate - Alex Lake (7 Jan)
3. Kiss Me Kill Me - J.S. Carol (10 Jan) - Audio
4. I Invited her In - Adele Parks (14 Jan)
5. Nomad - James Swallow (18 Jan) - Audio
6. How to Have a Beautiful Mind - Edward De Bono (21 Jan) - Audio
7. Mindshift - Barbara Oakley, PhD (22 Jan)
8. The First 20 Hours (How to Learn Anything) - Josh Kaufman - (26 Jan)
9. Fluent Forever - Gabriel Wyner (26 Jan) - Audio
10. Tribes - Seth Godin (29 Jan) - Audio
11. Million Dollar Habits - Brian Tracy (31 Jan)

*Learn Spanish.
Yes – except yesterday Doulingo told me that I missed a day (2nd of Feb), so back to day 1 I go 

* Wake-up early workout and or meditate 5 times a week.
Too hot to be doing hard core workout but we have been doing more walks with the dog very early in the mornings and at night. And I’ve been doing few mini-workouts throughout the day.

*Blogging once per week.
I missed 1 I think???

*Continue Garden/Landscaping.
The vegetable garden is very productive at the moment despite the extreme heat. I spend a bit of time watering.

*Continue Decluttering.
No decluttering in Jan, need to do some again soon.

*Learn to Draw
Haven’t had time yet, been spending time doing an online course instead.

Happy New Year everyone!

This is very late because we had guests for almost 2 weeks and it has taken me a while to get back on my routine.

Total for Dec was $4,394.98

Grocery - it was by a lot, $448.14, extra 3 adults and a toddler can cost a bit.

Household goods – we bought a portable air conditioner, bed and bed frame for a total of $1,243.97.

Christmas Expense for December - $524.84

Car Registration – We renewed our annual car registration for $816.50. We looked at paying it quarterly but it would actually cost more.

Entertainment – We went out with our guest a few times, $268.59.


~~~~~~~~~~~~~~~~~~~~~~~000~~~~~~~~~~~~~~~~~~~~~~~

------------2018 Goals---------

Financials-

*Put as much money we possibly can into Investments (at least $45K). -DONE

*Save $4K for Holiday money. – Didn’t spend any this month

*Save $5K for future House Repairs/Future Remodel. – Spent $188.50, mainly fixing the main bathroom for our guest.


Other –

*Read 70 books. – didn’t have time to really read.
176 Breakfast with Einstein - Chad Orzel (2 Dec) - Audio
177 Saga Land - Karl Gislason & Richard Fidler (11 Dec) - Audio
178 The Spider and the Fly - Claudia Rowe (18 Dec) - Audio
179 The One Who Got Away - Caroline Overington (19 Dec) - Audio
180 The Fox - Frederick Forsyth (20 Dec) - Audio

*Learn Spanish. – still at it everyday
*Workout 3/4 times a week. – what is workout? Lol. Massive fail!!!

*Try new recipes every other week. - I’ve tried a bit of fermentation and I think a new recipe in the bbq.

*Blogging once per week. - failed

*Continue Garden/Landscaping. – yes still tiring out the front lawn, almost done. The back garden has been neglected and is not cover with pumpkin so we will have to wait until they are gone before we can finish the concreting bit.

*Wake-up early (before 7am) – yes but I finding myself slipping a bit. At one stage I was waking up around 6 am or just before but lately I’ve been getting up at 6:40am

*Continue Decluttering. – did it with the Christmas items.

Total for the month of November is $2,490.82.

We mainly spent it on:

Grocery = we were under budget, spent $236.29. I’ve decided to put $20 in the challenge because we are under this month.

Household Expenses = $500.87, it was mainly for the Skip Hire.

Transport Related = $290.96, DH hasn't been taking the early train and this also includes fuel and the registration for the camper trailer.

Entertainment total = $184.93

Gifts = was high this month because of my cousin’s wedding, that was $300 for the month.

Holiday (November portion) = $269.49

Christmas = $253.51, started getting stuff for Christmas. This year and for the past few years I budgeted $1,200 for our birthdays, anniversary and Christmas, we didn’t spend much for our birthdays and anniversary this year so we got a bit of money still in this category. We still got over $800 in it available for the rest of the year. I don’t intent to spend this much for Christmas though, hoping to only spend half.

**CHALLENGE** we had 10 NSDs in November so $30 to the Challenge Fund plus the $20 from the being under in grocery, so $50 for the month. I still need to set up an actual bank account for this. For now it is just written down in my spreadsheet.



Financials-

*Put as much money we possibly can into Investments (at least $45K). === DONE!!!===

*Save $4K for Holiday money. = We have now spent $4,754.63 under this category because of the camper trailer.

*Save $5K for future House Repairs/Future Remodel. = We will most likely end up spending around $1K under this category this year, not too bad.


Other –

*Read 70 books.
160. The Scandal - Fredrik Backman (3 Nov)
161. The Travelling Cat Chronicles - Hiro Arikawa (9 Nov)
162. Big Little Lies - Liane Moriarty (10 Nov) - Audio
163. Zealot - Reza Aslan (13 Nov)
164. Started Early, Took my Dog - Kate Atkinson (14 Nov) - Audio
165. Smiling Mind - James Tutton & Jane Martino (15 Nov) - Audio
166. The Rosie Project - Graeme Simsion (17Nov) - Audio
167. #NOW: The Suprising Truth About the Power of Now - Dr. Max McKeown (17 Nov) - Audio
168. The Brain that Changes Itself - Norman Doidge, MD (18 Nov) - Audio
169. The Hidden Life of Trees - Peter Wohlleben (20 Nov) - Audio
170. Aristotle's Way - Edith Hall (21 Nov)
171. Revenge - Andrew Holmes & James Patterson (22 Nov) - Audio
172. The Lion Tamer who Lost - Louise Beech (25 Nov)
173. The Brain's Way of Healing - Norman Doidge (27 Nov) - Audio
174. The Science of Getting Rich - Wallace D. Wattles (28 Nov) - Audio
175. Dark Emu - Bruce Pascoe (30 Nov) - Audio

In the last couple of weeks I’ve spent a lot of time in the garden, didn’t have as much time actually reading but I been loving listening to audiobooks while gardening.



*Learn Spanish. = Still going everyday

*Workout 3/4 times a week. = failed but I been doing so much physical work in the garden that I been going to bed dog tired.

*Try new recipes every other week.
Made lemon tart and tomato chutney for the first time.

*Blogging once per week. = I missed one when we were away

*Continue Garden/Landscaping. = We did a lot and still going.

*Wake-up early (before 7am) = yes

*Continue Decluttering. = YES!

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

Grocery = $54.96, almost on budget.

Car Fuel = $70.50, this was a lot but it was almost empty and prices are really high at the moment.

Carpet Cleaner Hire = On Saturday we went and hire one of those carpet cleaner for 24 hours. We cleaned couple of rooms that has carpet, 3 couches, 4 rugs and the car. It cost us $73.85 including the cleaning liquids that was needed for the machine and a spray bottle of a spot cleaner. There are enough leftovers we can use for next time. The hire of the machine for 24 hours was only $43.60 ($5 was for the upholstery handle). This is our first time using and I was happy with the result, I want to regularly do this, maybe at least once a year. With the dog around it’s good to give these things some deep cleaning.


SALVO = we took a bag of stuff to the charity, then I got a couple of books and DH got a Wii game, total $10.

This morning DH dropped off the car to the mechanic, not sure how much it will cost yet.

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.

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.

Total Spending = $951.07
UNDER 1 GRAND!!! I can’t remember if this has ever happened before.

This was a very low spend month but not very frugal because we went out a lot so Entertainment expense was high and for some reason we were craving a lot of Vietnamese food. We spent $287.29 under the Entertainment category. And then DH had few lunches out because there are a lot of people at his work that are left this month, so Allowance spending for the month was $58.95

GROCERY - $179.17 (under our $180 for the month). DH wants us to continue this challenge but I’m a bit reluctant I don’t even really know why. Although, I think this experiment has been really good for us, eating a lot less meat has been really good not just for monetary reason. Actually eating less overall has been an eye opener. It just shows that we might have been over eating. Cutting down on food spending meant we had to be selective and only buying food that is necessary and has high benefits for us. We never went hungry but sometimes I opted to skip some meals if I thought I don’t need to eat yet. I’ve discovered that it is sometimes okay not to eat until your body tells you so. I have been doing a bit of short-term (intermittent) fasting. I think it has been better for my insides too.

The rest we spent on:
Gas - $103.72
Mobile Phone - $30
Household Goods - $96.34
Fuel - $40.70
Train Fare - $100
Personal/Medical - $31.00
Misc - $23.90

No Property Rates – for this month and next month.



~~~2018 GOALS~~~

Financials-

*Put as much money we possibly can into Investments (at least $45K). – We got to put a bit of money this month because of low spending and 1 extra income. I think another 3 months and we might have this one done.

*Save $4K for Holiday money. – This is probably should have been labelled budget or limit instead of save. N/A this month

*Save $5K for future House Repairs/Future Remodel. – The same goes with this one. This is a budget and then anything extra goes under future remodelling of the house. Although, lately we have been thinking that we might just sell up and get something smaller and if that happens soon we might sell the house as is.


Other –

*Read 100 books. ---DONE! I never thought I could read more than 1 book a week but apparently I can read 3 books a week and might even be able to do better. Now that I’m used to it I think it is doable for me do read 4-5 books a week. Mindset!

87. Harry Potter and the Philosopher's Stone - J.K. Rowling (6 Jul) – Audio (I actually really enjoyed this audiobook. I was never able to read this book before. I have actually tried reading this book twice before but just could get into it, the same goes with those Twilight books. I know, I probably should be locked-up for admitting this. Lol)
88. Memory Man - David Baldacci (8 Jul)
89. The Joy of Less - Francine Jay (10 Jul)
90. You Can Do It! - Paul Hanna (12 Jul) - Audio
91. Goodbye, Things - Fumio Sasaki (13 Jul)
92. By the Book - Julia Sonneborn (14 Jul)
93. The Art of Tidying Up - Kim Carruthers (17 Jul)
94. Clutter Busting your Life - Brooks Palmer (19 Jul)
95. The Book Thief - Markus Zusak (22 Jul)
96. The Perfect Stranger - Megan Miranda (23 Jul) - Audio
97. The World of Philosophy: Stoics and Epicureans - Daryl Hale (24 Jul) - Audio
98. A Monk's Guide to a Clean House and Mind - Shoukei Matsumoto (25 Jul) - Audio
99. The Secret - Rhonda Byrne (26 Jul)
100. David Copperfield - Charles Dickens (31 Jul) – I finally finished this one. It has taken me months to read it. It’s my own copy so I kept putting it aside for the library books.



*Learn Spanish. – Still going


*Workout 3/4 times a week. – Still trying


*Try new recipes every other week. – ummm I can’t remember, I think this might been a no.
**Actually I just went through my blog and I forgot about the brussels sprouts, that was definitely new to us**

*Blogging once per week. – Yes


*Continue Garden/Landscaping. – Too cold still. Only did some weeding in the veggie garden.


*Wake-up early (before 7am) – Yes


*Continue Decluttering. – Major one in the garage for our annual rubbish collection.

Total spending for June 2018 was $1,319.37. The cheapest month so far this year, this is going to be hard to beat but I’m hoping to be able to do it in July though.

A quick look at some of the numbers:

Groceries – Total for the month was $177.41, under than our $180 budget.

Water Bill – Was $207.07 for the quarter.

Vault Rental – We paid $288 for the year this month.

Entertainment– Netflix, eating out and other items that we consider as entertainment added to $105.19 for the month, this is about average for us.

Clothing – Mainly the shoes = $88.92

Allowance Money – $71.07, DH’s lunch couple of times and books and CDs we got from charity shops.

Doggie Items – $92.99, mainly for the bags.


==ooo00ooo00ooo --2018 GOALS-- ooo00ooo00ooo==

Financials-
*Put as much money we possibly can into Investments (at least $45K). - We just calculated our net worth we are up $48K since the start of the year. It is always good to see we are heading at the right direction.

*Save $4K for Holiday money. – N/A for this month

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

Other –
*Read 100 books.
69. The Tattooist of Auschwitz -Heather Morris (1 Jun)
70. The Subtle Art of Not Giving a F*ck - Mark Manson (3 Jun)
71. Lie to Me - J.T. Ellison (4 Jun) - Audio
72. The Barefoot Investor - Scott Pape (5 Jun) - Audio
73. The Power of Having Fun - Dave Crenshaw (6 Jun) - Audio
74. The Badass Librarians of Timbuktu - Joshua Hammer (7 Jun)
75. Debt: The First 5,000 Years - David Graeber (13 Jun)
76. Stories We Tell Ourselves - Sarah Francoise (14 Jun)
77. The 80/20 Principle - Richard Koch (15 Jun) - Audio
78. 29 Seconds - T.M. Logan (16 Jun)
79. Power Up your Mind - Bill Lucas (20 Jun) - Audio
80. Essential: Essays by the Minimalist - Joshua Fields Millburn & Ryan Nicodemus (22 Jun)
81. For Whom the Bell Tolls - Ernest Hemingway (25 Jun)
82. Work Simply - Carson Tate (27 Jun) - Audio
83. Anatomy of a Scandal - Sarah Vaughan (28 Jun)
84. Eat that Frog! - Brian Tracy (29 Jun) - Audio
85. The Art of Discarding - Nagisa Tatsumi (29 Jun)
86. Minimalism - live a meaningful life - Joshua Fields Millburn & Ryan Nicodemus (30 Jun)

*Learn Spanish.
Back up to 58 consecutive days again.

*Workout 3/4 times a week.
This is always a struggle, for some reason I just can get consistent with my workout but I try to do some 4 to 5 days a week but deep down I’m not happy with my effort. I feel like I should be doing more but I hate exercising. Weight wise I don’t have any issues. My weight has been fairly the same my adult life. I eat fairly healthy and I try now to over indulge. The thing that I need to watch out for is make sure my core strength is strong because when I don’t work on it that’s when I get lower back pain.

*Try new recipes every other week.
I did so well in trying out few simple recipes this month.

*Blogging once per week.
Done

*Continue Garden/Landscaping.
It’s cold so nothing much is happening out there

*Wake-up early (before 7am)
Check

*Continue Decluttering.
DH borrowed a bunch of books from the library about decluttering and minimalism and I have read some of them as well. These books have been helping us (mostly him since he has a bit more hard times letting some stuff go but I can also see some of my short comings). We are slowly getting rid of stuff for sure, it will take us awhile but I think we are doing it the right way for us.

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.

Grocery – $97.40, we did a big shop but we are still under for the month.

Dog Food – Bought a 10 kilo bag of dog food and that was $64.

New Clothesline – DH calls it wind and solar powered clothes dryer, what a nerd! So we bought one and spent few hours installing it, that was $56.90

Allowance Money – We went to the Salvation Army and bought some books and CDs. All up we spent a whopping $38.70. I found 2 John Grisham newer books (2016 and 2017 copyrights) I have not read these yet. I think DH end up getting about a dozen CDs. And on top of those Grisham books I also bought another 3. I used up cash I got from last year’s birthday present and then the rest we took off from our allowance money. We hardly been spending our allocated ‘allowance money’ in the last couple of years. This year I allocated $800 for both of us for it and so far we’ve only spent under $150. DH has been really good at saying no to most of the eating out and drinking out invites with co-workers. The thing is that his company actually provide them with snacks and beer every Friday night so he does not feel left out. There are also the occasional lunches and dinners that the company organises and sometimes he gets taken out by suppliers for ‘meeting’.
So he is very selective to when he say yes to these invites and there are plenty at least one to two times a week. Last week for example he said yes to beer after work on Thursday because it was with his old boss that he doesn’t get to converse much anymore, due to restructuring in the company. That 1 beer by the way cost him $10, so yeah it get pretty pricey very quickly if he goes to every single one of them and most of the time they involve getting food. Sometimes he feels bad that he says no but then he also doesn’t want to drink too much during workdays, he wants to come home on time and get an early night sleep for the next day. So it is not just about the money.

This would have been a low spend month but because we pre-paid internet for a year it total to $2,568.13. Half of this was because of the internet, holiday expenses and my birthday celebration.

Internet – was big total for the month was $845.

Holiday – ended at $285.20. Some of this included money we spent on our Easter Holiday and some for another holiday we are going very soon.

Groceries – We only got few things this weekend because we didn’t need much and it only cost us $9.95. The total for the month was $296.20

Birthday Celebration – I had another birthday get together, with friends this time. We had lunch and then we went to an Escape Room and then had coffee afterwards. It was fun and it cost us $127.00. Overall, my birthday cost me $242.50, this includes that dinner I went with DH.

Eating Out – We did not cook at all the whole weekend. We went a bit crazy. On top of the lunch above we went out to another restaurant for Sunday lunch as well and we got takeaway food Saturday night, thankfully we had leftover and we ate that Sunday night. All the eating out, not including above amount was $61.90.

Fuel – got some $37.20


Financials-

*Put as much money we possibly can into Investments (at least $45K).
More savings in April than in March - *happy dance*

*Save $4K for Holiday money.
Have spent some of this money at the start of the month and will continues to spend more money in May for our next holiday.

*Save $5K for future House Repairs/Future Remodel.
We should be able to start saving more for this in the second half of the year.


Other –

*Read 70 books.
28. Beyond Good and Evil - Frederick Nietzsche (3 Apr) - Read w/ Audio**
29. Money to Burn - James Grippando (5 Apr) - Audio
30. Heart of Darkness - Joseph Conrad (7 Apr)
31. On the Shortness of Life - Seneca (8 Apr)
32. Ready Player One - Ernest Cline (10 Apr)
34. A is for Alibi - Sue Grafton (11 Apr) - Audio
35. Freakonomics - Steven D. Levitt & Stephen J. Dubner (12 Apr)
36. The Checklist Manifesto: How to get things right - Atul Gawande (13 Apr)
37. Siddhartha -Hermann Hesse (15 Apr)
38. Crazy Rich Asians - Kevin Kwan (17 Apr)
39. The Handmaid's Tale - Margaret Atwood (18 Apr) - Audio
40. You Need a Budget - Jesse Mecham (19 Apr)
41. Philosophy for Beginners - Max Charlesworth (20 Apr)
42. B is for Burglar - Sue Grafton (22 Apr) - Audio
43. The Pardon - James Grippando (23 Apr) - Audio
44. War and Gold - Kwasi Kwarteng (24 Apr)
45. The Poisonwood Bible - Barbara Kingsolver (26 Apr)
46. The Teeth of the Tiger - Tom Clancy (27 Apr) – Audio
47. C is for Corpse - Sue Grafton (30 Apr) – Audio

I’m more than half way to my goal! It’s amazing how cutting about 4 hours of television a day adds up. These days there’s not much worth watching unless you are into reality shows. I used to watch those cooking and renovation contest but they are not about cooking or renovations anymore, it’s always just about people fighting which I’m so over it.

As you can see I listened to a bit of audiobooks this month, they are all crime and mystery books except for the first one which I read along while listening to the audio. I already got a copy of ‘Beyond Good and Evil’ in my kindle and I borrowed the audio version from the library online. I do a lot of my listening to the audiobooks while I'm walking the dog, while cleaning and in the last several days while I was doing some painting.

Since I’m more than halfway to my goal already and I’ve increased my reading time while not really reading because of audiobooks I decided to increase the amounts of books I aim to read to 100 books this year.


*Learn Spanish.
Still going and I’m at 104 days streak at the moment.

*Workout 3/4 times a week.
Doing very poorly here, I’m still doing some but mainly just stretching and walking the dog, I need to do harder exercises when we get back from our holiday. This is becoming a bad pattern, me constantly waiting for something to happen before I get my act together. I need to break it.

*Try new recipes every other week.
I tried few and one of them was the Aloo Gobi that I got inspired by toilet-paper-tracker.

*Blogging once per week.
Check

*Continue Garden/Landscaping.
As I mentioned in my previous blog entry DH built a screen wall outside to screen off the clothes line and I painted it.

*Wake-up early (before 7am)
Check

*Continue Decluttering.
DH has been putting our music from CDs to digital so we can listen to them whenever and wherever on our phones and the CDs themselves have been stored away into a plastic tub in the garage. It took him over a month copying them.

Not much really to report for Week 12 – spent $6.80 on grocery. Week 13 we were away for 10 days visiting DH’s parents interstate (12-hour drive away).

March 2018 highlights:

Total expense for March was $4,239.86

Groceries - $248.82 in total for the month, under because we weren’t home for over a week.

Water & Gas – Both add up to $322.02

Transportation Exp – Fuel, train fare and car repairs was a bit because of getting to re-gas the car air-conditioner, all up it was $452.74

Alcohol – Went out to stock up on alcohol and end up spending $153.15

Health Insurance – Half of March’s expense went to pre-paying the health insurance. $2,121.99, this included paying for the month of March’s health insurance.

HOLIDAY SPENDING – Overall, it was a fairly frugal holiday $479.09 in total. Fuel cost us $204.28 and the food and other expenses were $249.81. We bought groceries few times and cooked for everyone a couple of times. We also went out for dinner once to celebrate our nephew’s 22nd birthday. On the way home we opted to stop over night at about half-way point and camp for the night, the campsite cost us $25. The March portion for this holiday expense was $306.57 (I decided to divide the expenses to 2 months when the actual spending was done).

2018 Goal review:
Financials-

*Put as much money we possibly can into Investments (at least $45K). – Still motoring along

*Save $4K for Holiday money. – We spent some this month obviously

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


Other –

*Read 70 books. – I did a lot of reading this month.

10. Y is for Yesterday - Sue Grafton (4 Mar)
11. The Mark of a Millionaire - Dexter Yager & Ron Ball (5 Mar)
12. The Nightingale - Kristin Hannah (8 Mar)
13. The Confession - John Grisham (9 Mar)
14. Making Time, Making Money - Rita Davenport (11 Mar)
15. The Laws of Lifetime Growth - Dan Sullivan & Catherine Nomura (12 Mar)
16. China Rich Girlfriend - Kevin Kwan (15 Mar)
17. The Black Swan - Nassim Nicholas Taleb (17 Mar)
18. Sigmund Freud's Mission - Erich Fromm (18 Mar)
19. Unf*ck Your Finances - Melissa Browne (20 Mar)
20. Stock Market Strategies that Works in Australia - Matthew Brooks & Paul Nojin (21 Mar)
21. Red Sparrow - Jason Matthews (23 Mar)
22. The Day She Can't Forget - Meg Carter (24 Mar) – Audio**
23. The Travelling Companion - Ian Rankin (24 Mar)
24. 1984 - George Orwell (26 Mar)
25. On the Happy Life - Seneca (27 Mar)
26. Finance: Budgeting: Save Money, Invest for Retirement and get Debt Free - Andrew W. Welch (28 Mar)
27. Deal Breaker - Harlan Coben (29 Mar)

** I borrowed an audiobook from the library. This was good to listen to while doing some cleaning and packing. I eventually finished it while we travelled interstate. In the past I’ve tried audiobooks and found that I couldn’t follow it unless I’m also looking at the words, but this book was really good, the story was easy to follow.



*Learn Spanish. – Still doing about 15 to 20 minutes a day.

*Workout 3/4 times a week. – I didn’t do any while away but did a lot of walking and playing with the dog outdoors, like at the park and at the beach.

*Try new recipes every other week. – Only did one in March

*Blogging once per week. – I missed last week, I didn’t bring my laptop and so I left my personal finance spreadsheet at home.

*Continue Garden/Landscaping.¬ – We did a little bit of stuff before we went away.

*Wake-up early (before 7am) – I have been very good even on our holidays when I didn’t have my alarm clock on I was still waking up around 6am.

*Continue Decluttering. – We done a lot of shredding of old papers. DH has been downloading online statements and scanning the ones that he couldn’t get online. So the paper statements that we don’t need any more we shredded, I would say almost couple thousand pages. Our filing cabinet that was full to the brim is now less than half full.

Total spending for February was $1,750.36

I have been busy in the last 2 weeks, my brother and his family came and stayed with us and the next day after they left, I got sick, the baby gave me a parting gift. We ended up spending a bit more on food this month. Also took them to eat out for my brother’s partner’s birthday. Some notable expenses for the month:

Grocery - $346.68, we are really over for the month.

Household Goods etc – We went to Ikea and got a bunch of stuff so for the month we spent $233.44

Entertainment – all up it was very high $262.70

*******/////////*******/////////********

Financials-

*Put as much money we possibly can into Investments (at least $45K). –still out top priority and working on it.
*Save $4K for Holiday money. – didn’t spend any
*Save $5K for future House Repairs/Future Remodel. – not needed yet


Other –

*Read 70 books.

I’ve been busy so I didn’t have much time to read.
6 The Racketeer - John Grisham (1 Feb)
7 Mindset - Dr Carol S. Dweck (6 Feb)
8 Fatty O'Leary's Dinner Party - Alexander McCall Smith (7 Feb)
9 The Simple Path to Wealth - JL Collins (12 Feb)


*Learn Spanish. – everyday


*Workout 3/4 times a week. – still trying to do better


*Try new recipes every other week. –yes and it was not too bad


*Blogging once per week. – missed it last week


*Continue Garden/Landscaping. – we did a bit.


*Wake-up early (before 7am) – I have been great at this so far this year.


*Continue Decluttering. – we did a lot when we were cleaning before our guests came.

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.

This is just a quick rundown on what happened in Dec 2017. I will be posting the overall 2017 numbers next anyway.

Total expense for the month was $3,453.49.

Groceries - $310.88 (this does not include Christmas food spending)

New mobile phone - $210

Garden – spend a little bit of money for the garden $43.13

Car Registration – the biggest cost for the month - $800.80

Eating out - $162.30 was on the high side.

~~~~~O0O0O0O~~~~~

Reading – I took time off from reading this month. I think I’m going to increase my goal next year to 70 books for the year.
63 The Girl Who Takes an Eye for an Eye - David Lagercrantz (2 Dec)
64 The Paradox of Choice Why Less is More - Barry Schwartz (4 Dec)

Decluttering – I’ve been doing a bit more decluttering again. I throw away a lot of old magazines and bunch of books I will never read again.

I didn’t bother posting a blog last week much happened, the only thing exciting we did was go to the musical Aladdin. I got the tickets as a belated birthday present from a couple of friends. The tickets were $130 each so it was very nice of them. The only spending we did was $1 for a coffee in the nearby 7eleven before we went in.

Total spending for the month of November 2017 was $2,112.01

Grocery – We were spot on budget in our grocery spending this month, $301.82.

The only significant spending this month was for our trip to Tasmania, the weekend camping and the $400 donation. If it weren’t for these things we would have been way under 2 grand this month. A very good month for us I say, now onto December, the holiday season. We aren’t planning anything big just simple quiet Christmas.

~~~~~~~~~OOO000OOO~~~~~~~~~~~

Books:
57 Origin - Dan Brown (3 Nov)
58 4 3 2 1 - Paul Auster (14 Nov)
59 Antifragile - Nassim Nicholas Taleb (19 Nov)
60 Alexander Hamilton - Ron Chernow (26 Nov)
61 A Guide to the Good Life - William B. Irvine (27 Nov)
62 Introducing the Ancient Greeks - Edith Hall (29 Nov)

This was a big month. Total for the month $3189.60.

Some of the reasons why this was an above average month:

Birthdays & Anniversary – We tend to go out a bit in October to celebrate our anniversary and DH’s birthday, so entertainment expenses tend to be higher on this month.

GIFTS – This was extra high this month. Last weekend I took 3 of my friends out for brunch as birthday presents. And I got some clothes and toys for my new niece to take with us when we go visit. Total under this category was $315.47

CLOTHES – When we went out to get baby clothes we also bought some clothes for us. I replaced a couple of jeans that I have thrown out both had broken zippers and bought a black skinny jeans and I also got a leather jacket, something I’ve been thinking of getting. For DH we got him a bunch of underwear and a business shirt. End up spending $197.99, we only got about $60 left in our yearly budget for clothing, it should be doable. Good news though is I cleaned out our wardrobe again and thrown out/ give away 2 more bags of clothing this month. We are getting there with decluttering.

PLANE Tickets – We finally bought our tickets for our travels to Tasmania to visit my brother’s new baby. That was for $436. (There is yet another change of plans which I will blog about next time).

CAR SERVICE & REPAIRS – Yesterday DH had to take the car again for service. Last week while cleaning the car DH noticed that one of the back doors wouldn’t lock and also few months ago there is a part in the booth that broke which needed replacement. Since these things need done and our car is actually due for service in few weeks he just got the whole thing done. So on top of that tyre that needed replacement earlier this month in total we spent $766.70 on the car repairs and services this month. Yikes!

Some highlights for the month on top of the above expenses:

GROCERY – End of the month total is $280.19, under by almost $20 *happy dance*. This week end grocery shopping was $44.95.

ELECTRIC BILL – The last quarter bill was $156.24, the biggest for the year. Next bill should be a lot lower since the days are getting longer and we should be getting sun shining on our solar panels.

INTERNET - Good thing about this month was our internet was free!


~~~~~OOO000OOO~~~~~

BOOKS - I challenged myself to read one book a day for 5 days at the start of the month. I did pretty well; although I must be honest and say that I kind of cheated since the first two books I already started a bit last month. Still I was pretty happy about it. Then the week after when I was sick I couldn’t read a thing. It would have been a good time to do some reading since I was in bed for most of it but I just couldn’t concentrate on what I was reading.

47 Making Money Made Simple - Noel Whittaker (2 Oct)
48 The 4-Hour Work Week - Timothy Ferris (3 Oct)
49 Cannery Row - John Steinbeck (4 Oct)
50 Seneca - Letters from a Stoic - Translated by Robin Campbell (5 Oct)
51 The Art of Free Travel (A Frugal Family Adventure) - Patrick Jones & Meg Ulman (6 Oct)
52 Ego is the Enemy - Ryan Holiday (16 Oct)
53 The Grapes of Wrath - John Steinbeck (22 Oct)
54 Nietzsche: A Complete Introduction - Dr Roy Jackson (25 Oct)
55 How to Become a Stoic - Massimo Pigliucci (29 Oct)
56 Stoicism and the Art of Happiness - Donald Robertson (31 Oct)

I forgot to note that I made it to my goal of reading 50 books this year. Sweet! I'm still gonna keep going and see how many I'll end up reading by the end of the year. I'm almost half way through reading the new Dan Brown book 'Origin' right now.

Overall expense for September was $1,665.60. That was not a bad month I was expecting it to a lot worse than that so I’m really happy about it.

Groceries – This was really the only thing that was bad but it was mainly that spending we made on the last two days of the month for the party on the 30th. The total on grocery spending for the month was $370.82, so we were over by $70.82, the biggest so far this year.

-----oo~00~oo-----

WEEKEND

BBQ – We had people over for the barbeque. We watched the AFL grand final after our bbq lunch. We had 6 people over, we had a little bet ($1 per person), DH and I lost so we are $2 poorer, lol. Went overboard with food and because we have been eating out a bit the last few days we are still have some leftovers. After the game we played ‘Cards against Humanity’ that was fun and everyone stayed to have some leftovers for dinner.

Anniversary – The next day was our anniversary. We had lunch at Nobu and afterwards we went to the city library, DH wanted me to get a library card there. I only tend to go to the city few times a year these days but they have a bigger collections of books and especially e-books than our local library so I’m looking forward to be able to access that at least. I borrowed some books then we walked back to the casino where Nobu is and where we parked our car. We had time to kill before we need to go to the movies so we decided to play the Roulette, we played for about half an hour and in the end we walked away with $30 more than we started. At the movies, even though our movie tickets were free we still end up spending $18.10 on popcorn and drinks.
Overall Anniversary Spending:
Lunch - $104.55
Parking - $6.00
We shared coffee while gambling - $4.90
Snacks at the movies - $18.10
(minus) Winnings - $30.00
TOTAL = $103.55
Probably one of the cheapest anniversary celebrations we’ve had in recent years.

DH B’day – Last night we went out for dinner for DH’s birthday, it cost us $52.


-----~oo00oo~-----
Almost forgot

Books-

41 The Pearl - John Steinbeck (4 Sep)
42 The Moon is Down - John Steinbeck (13 Sep)
43 Thinking Fast and Slow - Daniel Kahneman (15 Sep)
44 The Daily Stoic - Ryan Holiday & Stephen Hanselman (20 Sep)
45 The Fault in Our Stars - John Green (22 Sep)
46 The Obstacle is the Way - Ryan Holiday (25 Sep)


My other goals have kind of got neglected in Sept, I will try to do better in Oct. I did however eliminated more clothes from my wardrobe, I'll need to go through DH too soon then will need to take them to the Salvos. Workout has been slow getting back to my routine since I was sick.

Overall spending for this month was $1,668.72. Four months in a row that we spent less than $2K per month which is great. I think September is going to be expensive though we will have a big water bill, there will be some annual fees attach to the next bill and property rates will again be due. This month we didn’t have any utilities due as well which helped the low spend month. Father’s day and some birthdays are on next month and there are already some invites to go out. Anyway, some individual items below:

Grocery – It was under budget and on the weekend we got some big items like a 20 kilo sack of rice and 1.5 kilo of Milo. We spent a total of $285.30 on grocery, almost $15 under budget.

Birthdays – My mother in-law and my mum’s birthday was on this month so we spent some money on gifts. Also I used up some of my allowance money; I’ve hardly spent any of that money this year. I took my mum and 5 of her friends for lunch on her birthday yesterday. We went for buffet lunch, 5 of them were seniors so we got good discounts for them. It was really good place especially for the price I was very impressed normally I’m not too keen on those type of places but I would definitely go back there again. It was for only $130.30 for 7 people.

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Books/Reading – I mentioned in one of my recent post that I don’t think I will be borrowing much books from the library but it seems like I’m actually wrong, I’ve actually borrowed few and some magazines as well.
33 The Back Road - Rachel Abbott (5 Aug)
34 The Adventures of Tom Sawyer - Mark Twain (10 Aug)
35 The Taste of Fear - Jeremy Bates (13 Aug)
36 Six Frames of Thinking about Information - Edward de Bono (14 Aug)
37 Money Master the Game (7 Simple Steps to Financial Freedom) - Tony Robbins (24 Aug)
38 Rich People Problems - Kevin Kwan (26 Aug)
39 Surrender - Helen Hardy (29 Aug)
40 Calico Joe - John Grisham (31 Aug)

Workout – I need to do better than 3 days a week.

July was a very good low spend month.

Total spending was $1,336.31

Groceries – Total for grocery bill this month was $293.33. We actually came under. DH did great doing the shopping on the weekend. He stuck to the list and came under $40.

We still have some odd items in the freezer that I’m trying to use up before stocking up on meat again. The other night I found a whole fish which we had to go with some leftovers and then last night I cooked a couple of gourmet sausages for dinner. There has been a lot of leftover bread that get shoved in the fridge before they go off, we have accumulated a bit of those, that DH on the weekend used some of them to make bread and butter pudding with frozen blueberries and chopped up dried dates. Another thing we tend to end up collecting in the freezer are odd ends of cheeses, last week I made macaroni and cheese out of those, I think I ended up using 5 different kinds of cheese. DH really liked it and we didn’t die from it so bonus!

So I probably won’t do a big shop for another 2 weeks. We tend to always start the month with big shopping trip but I think we can hold it off this month. We always then end up with a tight budget towards the end of the month; I want to try to delay that this month. Grocery is probably really the only item in the budget that I try to be as strict as possible (I guess entertainment/going out to eat is another category that I make sure to be tight as well) because it has a great possibility of getting out of hand if I don’t watch it closely. Most of the other categories in our budget are mostly just happen automatically these days.

Main reasons for the low spend month:
Property Rates – We pay for property rates (tax) every month for ten months in a year, July and August are the month we don’t have to pay.

No Restaurant – This wasn’t planned at all but I’m glad, BUT we did spend a lot on takeaway food and this has been the trend in the last 3 months. So we need to rein this in from now on.

Household Items – We only spend $80 in under this category this month, the electric blanket, new trolley and some LED light bulbs.


*****o00o*****


Decluttering – Did very well this month with the help of our annual rubbish collection.

Workout – I have been bad. The cold weather is kicking my butt and I’m struggling, just don’t have much motivation to do anything physical. Also my ankle has been sore last week (this is probably because I haven’t been working out regularly), it’s nothing too dramatic really but it was still bothering me so I had to make sure to give it a rest. I was able to do a couple sessions of Abs workout last week, 30 mins all up, that was it. Today was the first time I was able to do a full workout for over a week.


Reading – One book a week, although that Thomas Jefferson book took me 3 months to read.

28 Sycamore Row - John Grisham (6 Jul)
29 Soulless, The Girl in the Box - Robert J. Crane (11 Jul)
30 Thomas Jefferson, The Art of Power - Jon Meacham (16 Jul)
31 Scaredy Cat - Mark Billingham (22 Jul)
32 Early Retirement Extreme - Jacob Lund Fisker (31 Jul)


That’s it for July 2017.
* Currently listening to Fleet Foxes, new discovery of mine… I know I’m like a decade or so late, I tend to be slow to these kinds of things. I’m trying to experience new things.
* So on that note – Song of the week for me is “Ragged Wood” by Fleet Foxes.

I have not blog for the last couple of weeks because really I have just been really boring, nothing much has been happening here lately which is good financially. It’s the middle of our winter and I just don’t want to do much, I basically just been hibernating.

Total Spending for the month was $1,959.74

Groceries – for the month was $303.88 just a tad over so that was very successful month even though we had a couple of get together at our place for that month.

Utilities – Only the water bill was due and that was for $211.22.

Dentist – Both DH and I went to the dentist in June and in both occasion it was all covered by our private health insurance.

New Glasses – I also went and got a new pair of glasses. It was also covered by our health insurance. I just the one that have no frills in them because I only really need to get one as a spare and since it’s for free (well kind of, not really free if you consider how much we pay on our private health insurance).

Safety deposit box – We got one for the last couple of years now and the annual fee was due couple of weeks ago and it was for $288.

Dog tablets – got a year worth of tables for the doggie and the was $84.72

Passport Photo – for both of us that was $33.90.

Lunch Date – as a reward for finishing stage 2 of my workout, I went to the city to have a lunch date with DH, we had burgers, chips and beers – lunch special for $15. So $34 all up since we share a cup of coffee afterwards. It was the same day as I had my dentist appointment and when I got the new glasses since they were in the same building.

The rest were spent on the usual items.

Books – It was not a good month for reading actual books. I spend too much time listening to the personal finance podcasts instead and also have been trying to learn basic Spanish.
26 The Art of War - Sun Tzu (1 Jun)
27 Oliver Twist - Charles Dickens (14 Jun)

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.

Overall spending in April was $4609.95 – big month

Grocery – $239.57 way under budget mainly because we were away for about 40% of the month

Health Insurance – This year our Health Insurance went up from $262.75 to $280.78 per month ($18.03 extra p/m). Hate it but can’t do much about, DH already check other provider this is still the most reasonable for us for now.

Books read this month -
16 The Watson Girl - Leslie Wolfe (8 Apr)

17 A Long Way Home - Saroo Brierley (10 Apr)

18 Dawn Girl - Leslie Wolfe (14 Apr) – I read the second book first for some reason I didn’t know but I think it’s necessary to read the first. I’m currently reading the 3rd, it just came out on kindle 2 weeks ago.

19 Silent Child - Sarah Den (19 Apr)

20 The Broker - John Grisham (23 Apr)
21 Alone, The Girl in the Box - Robert J. Crane (30 Apr)

Workout – it got interrupted because of our holiday but I did a lot of walking and also ran once on the beach which took me 3 days for my legs to recover. I’ve at least started Stage 2 of my workout this week.

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.

FEBRUARY NUMBERS –
Mortgage was $918.79.
Other Expenses totalled $1,338.76, I love Feb it’s normally a very low expense month. There was no utilities bill due this month.

Books – Not as many as Jan but I started another 3 books around the same time last month - don’t know why I did that. Also in the last week or so we decided to try out Foxtel (cable), so instead of reading I’ve been catching up on GOT, The Walking Dead, Wentworth and so many other shows that only on Foxtel. We only got the free trial for 2 weeks, ending this Friday so I’m trying to watch it as much as I can humanly do.
Kill Switch - Steven Lee (4 Feb)
The Whisper of Stars -Nick Jones (8 Feb)
The Devil's Secret - T.G. Stevens (10 Feb)
Someone to Love - Jude Deveraux (15 Feb)
Avoidables - Rachel Medhurst (18 Feb)


*Workout 4 times a week – did alright on this. I’ve finished the program that I was following and I’ve now again started it, another 4 months of it.

*Continue the 'no buying soft drinks' rule this year. Still haven’t bought any.

*Get back to blogging, at least once per week. Done

*Re-do landscaping in both front and back yard. Still working on it, this will be a year-long projects.

*Use floss and piksters everyday. Have not failed yet

*Wake-up before 7am. I’m failing at this miserably.

*Continue getting rid of "Stuff". Still doing well I got another big bag of stuff I need to take to goodwill. I’ve also shredded a lot of papers.

*Organise my emails. I still need to do this and worst thing is that in the last few months I’ve been getting a bit of spams.

In the last week – I was not feeling too good on Thursday and Friday so I mainly watched the cricket game and Netflix. Saturday we went to the beach an hour away, spending for the day was $54.74 for fuel (first time filling up this year) and $12.50 for lunch, fish and chips. Sunday got some grocery for $16.90.

End of the month numbers - Total expenses was $3,148.99, it was big month mainly because of the annual insurance bills for the home and car. Spent another $6,418 for mortgage repayment, interest for the month was only $32.44. Technically, we are now mortgage free. DH transferred the money to Citibank CC (ready credit), that is where our monthly mortgage payments gets taken out, it will most likely get taken on Friday. Then it will be celebration time. So this month we can start on other financial goals, I cannot wait.

Non-financial goals so far:

*Read 50 books – Books I read this month:
Inferno - Dan Brown (6 Jan) – I started this last month
Between You and Me - Lisa Hall (7 Jan)
Noble Beginnings: A Jack Noble Thriller - L.T. Ryan (11 Jan)
Malevolent - Jana De Leon (16 Jan)
Over You - Christine Kersey (20 Jan)
I Spy, I saw her die - Ian C. P. Irvine (25 Jan)
Taken by Love - Melissa Foster (31 Jan)

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*Workout 4 times a year – did well until last week, I only did two last week, I wasn’t feel to good last week the hot weather was getting to me. I’m trying to catch up this week, will try to get back on schedule.

*Continue the 'no buying soft drinks' rule this year. Still doing well on this, luckily DH doesn’t really care for them so it make it a lot easier.

*Get back to blogging, at least once per week. Check

*Re-do landscaping in both front and back yard. Still working on it, this will be a year-long projects.

*Use floss and piksters everyday. Check

*Wake-up before 7am. I have been trying to get up around 5am this week. Still working on this, again I was doing well until last week when I wasn’t feeling too good.
*Continue getting rid of "Stuff". Aim for this year is to get rid of around 10% of our stuff. I got rid of about 15-20% of my clothes in my drawers and just started on DH’s drawers today.

*Organise my emails. I need to get started on this soon