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June 2019

July 4th, 2019 at 12:26 am


Total = $2,314.13
A quarter of it went to groceries = $580.98, but I’m okay with it. I’m anticipating that this lower in July.
Entertainment was low = $50.70

Financials-

*Put as much money we possibly can into Investments (at least $40K).
50% done
*Save $3K for Holiday money.
N/A
*Save $5K for "The Challenge"
$33 for NSDs


Other –

*Read 200 books.
67 Bored and Brilliant - Manoush Zomorodi (1 Jun)
68 The Dark Place - Sam Millar (3 Jun) - Audio
69 Six Months Later - Natalie D. Richards (4 Jun)
70 Remote - Jason Fried & David Heinemeier Hansson (5 Jun)
71 Dead of Winter - Sam Millar (6 Jun) - Audio
72 The Joyful Frugalista - Serina Bird (6 Jun)
73 Past Darkness - Sam Millar (8 Jun) - Audio
74 The House Across the Street - Lesley Pearse (10 Jun)
75 The Bell Jar - Sylvia Plath (12 Jun)
76 Long Road to Mercy - David Baldacci (13 Jun) - Audio
77 The Mother-in-Law - Sally Hepworth (14 Jun)
78 Cari Mora - Thomas Harris (15 Jun) - Audio
79 Under the Midnight Sky - Anna Romer (16 Jun) - Audio
80 The Inquiry - Will Caine (18 Jun)
81 Stumbling on Happiness - Daniel Gilbert (20 Jun)
82 Thornwood House - Anna Romer (21 Jun) - Audio
83 The Family Next Door - Sally Hepworth (24 Jun) - Audio
84 A Brief History of Time - Stephen Hawking (26 Jun)
85 The Secrets of Midwives - Sally Hepworth (27 Jun) - Audio
86 The Self-Employment Survival Guide - Jeanne Yocum (30 Jun) – Audio

*Continue Learning Spanish.
I failed at this.

* Wake-up early workout and or meditate 5 times a week.
Only mainly doing meditation and walking at the moment.

*Blogging once per week.
Okay

*Continue Garden/Landscaping.
Been doing a lot of work on the vegetable garden

*Continue Decluttering.
Cleaned the freezer/fridge and the pantry

*Learn to Draw
This has been forgotten.

May 2019

June 5th, 2019 at 12:07 am



Total = $2084.81

Grocery = $451.07 – after a very low spend month on groceries in April month we had to buy a lot in May.

Entertainment = $154.53 – just a bit over than the monthly budget.


Financials-

*Put as much money we possibly can into Investments (at least $40K).
We are almost half way there.

*Save $3K for Holiday money.
N/A really but we did get the tollway charged for our holiday trip in this month and that was $26.64

*Save $5K for "The Challenge"
We had another 10 NSD, so I put in $30 into this Challenge. Also put in $100 from stock trading profit for the month.

Other –

*Read 200 books.
46. The Blind Assassin - Margaret Atwood (1 May) - Audio
47. A Zero Waste Life - Anita Vandyke (2 May) - Audio
48. Here and Gone - Haylen Beck (5 May)
49. How to Fail - Elizabeth Day (7 May)
50. Without Fail - Lee Child (8 May) - Audio
51. The Suspect - Fiona Barton (11 May)
52. Persuader - Lee Child (13 May) - Audio
53. The Picture of Dorian Gray - Oscar Wilde (15 May)
54. The Enemy - Lee Child (16 May) - Audio
55. The Minimalist Home (16 May)
56. The Adulterer's Wife - Leigh Russell (17 May) - Audio
57. Meet the Frugalwoods - Elizabeth Willard Thames (18 May)
58. Hunter - Jack Heath (19 May) - Audio
59. The Giver - Lois Lowry (21 May)
60. The Sun is Also a Star - Nicola Yoon (21 May) - Audio
61. Catching Teller Crow - Ambelin Kwaymullina & Ezekiel Kwaymullina (22 May) - Audio
62. Bookends - Jane Green (23 May)
63. Anything is Possible - Elizabeth Strout (23 May) - Audio
64. The First Lady - Brendan DuBois & James Patterson (25 May)
65. The Pearl Thief - Elizabeth Wein (27 May) - Audio
66. Bloodstorm - Sam Millar (29 May) - Audio

*Continue Learning Spanish.
Still doing a little bit every day need to do a bit more.

* Wake-up early workout and or meditate 5 times a week.
Failed miserably at this.

*Blogging once per week.
Okay, I guess.

*Continue Garden/Landscaping.
Been doing some but it has been raining a lot in the last 2 weeks.

*Continue Decluttering.
Doing a little bit

*Learn to Draw
This has been neglected.

APRIL 2019

May 7th, 2019 at 07:47 pm


Total = $2042.47
We have been a way on holiday. Got back a week ago and I have not been feeling well. I have had no motivation to do anything. This is going to be short.

Grocery = $118.53
Holiday Expense = $1257.72 (an average of $80 per day)

Financials-

*Put as much money we possibly can into Investments (at least $40K).
We’ve put in around $14K so far.

*Save $3K for Holiday money.
Spent over 30% and have $1742.28 for the rest of the year.

*Save $5K for "The Challenge"
I’ve had no time to deal with this at the moment, I’ve decided to skip this for this month.

Other –

*Read 200 books.
38. Playing with Fire - Scott Rieckens (2 Apr)
39. The Road to the Future - Glimps East Forward (3 Apr)
40. The Memory - Lucy Dawson (4 Apr) - Audio
41. Storm Boy - Colin Thiele ( 5 Apr)
42. The Ones you Trust - Caroline Overington (7 Apr) - Audio
43. How to be an Adult in Relationships - David Richo (8 Apr) - Audio
44. The Plotters - Kim Un-su (9 Apr) - Audio
45. Echo Burning - Lee Child (10 Apr) – Audio

*Continue Learning Spanish.
Yes, everyday.

* Wake-up early workout and or meditate 5 times a week.
No chance.

*Blogging once per week.
Failed

*Continue Garden/Landscaping.
The garden is a mess a moment and I really need to start planting for winter.

*Continue Decluttering.
I did some before we left and I’ve brought out our winter clothes and have discarded some that I will never wear again.

*Learn to Draw
Failed

March 2019

April 2nd, 2019 at 07:34 pm


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.

Feb 2019

March 3rd, 2019 at 09:36 pm


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.

January 2019

February 3rd, 2019 at 09:43 pm



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.

DECEMBER 2018

January 7th, 2019 at 06:12 pm



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.