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AUGUST 2019

September 10th, 2019 at 04:41 pm


Total = $2,382.27

This is really late because I hurt my arm and I’m trying to rest it. I initially hurt it almost a month ago now, it was just a little sore but I kept doing gardening and other stuff that it just kept getting sore again. And then last week when I was working out I think I really made it worst. I didn’t feel it though until that night when I was trying to sleep and it was really throbbing.

Grocery = $343.62 – It seems a lot harder for us these days to stay under $300 per month. I think the main reasons are:
1. Prices have gone up especially with the staple items.
2. We are eating a lot less these days and cooking a lot more at home.
3. We have been trying out few new recipes lately and some require ingredients that we don’t normally buy.
4. We have also been introducing more variety into our diet. I’ve been trying to eat at least 5 cups of vegetables a day. At least the garden is starting to help reduce in this category.
I’m okay with these but at the same time I’ve started to really look at ways to cut costs. On the weekend I found milk that was 60% off because it was due in 2 days’ time, instead of $3 for the 1.5 litre milk it was only $1.20. This milk was with extra cream so I bought 2 bottles and made yogurt (500g) and cheese (about 300g) and the rest DH made kefir for our breakfast for half a week’s worth. Just for the yogurt and cheese it would have cost $10 or so and I only spent not even half an hour making both of them the rest of the time was just leaving it do its thing. And then last night I made fresh tortellini with some of the cheese, with just butter and sage from the garden as sauce. Few months ago we went and got some Chinese dumplings the price has gone up from $10 for 10 to $13, so last month when I got the craving for some dumplings I decided to buy the ingredients, I think it cost me around $8, including making the chilli oil and made 3 dozens of it. So, I got to freeze some of them. Right now I have been enjoying making stuff so I will continue until I get sick of it.

Financials-

*Put as much money we possibly can into Investments (at least $40K).
I’m hoping this will be done in 2 months’ time.

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

*Save $5K for "The Challenge"
Had 11 NSD so $33
DH made some money trading but I haven’t asked him if it was enough to put some money into this, I don’t think he really calculated how much he made. Maybe I’ll add it next month.

Other –

*Read 200 books.
98 An Imaginary Life - David Malouf (8 Aug)
99 The Girl on the Page - John Purcell (10 Aug) - Audio
100 The Miniaturist - Jessie Burton (13 Aug)
101 The Informant - Susan Wilkins (17 Aug) - Audio
102 The Mourner - Susan Wilkins (20 Aug) - Audio
103 Steppenwolf - Hermann Hesse (21 Aug)
104 The Killer - Susan Wilkins (23 Aug) - Audio
105 Don't Let her Go - Harlan Coben (25 Aug) - Audio
106 Home - Harlan Coben (27 Aug) - Audio
107 Fool me Once - Harlan Coben (28 Aug) - Audio
108 Hunting Shadows - Sheila Bugler (31 Aug) - Audio

*Continue Learning Spanish.
Doing a little bit, losing my groove.

* Wake-up early workout and or meditate 5 times a week.
I was doing good and then I hurt my arm.

*Blogging once per week.
Trying.

*Continue Garden/Landscaping.
I actually did a bit at the front yard but now I really need to rest my arm for a while

*Continue Decluttering.
I’m looking forward to doing some spring cleaning later this month

*Learn to Draw
This has been forgotten.

July 2019

August 5th, 2019 at 12:10 am


Total = $1,298.89

Grocery = $296.17, this is right on our monthly budget but we were meant to spend a lot less because we have gone over in the last few months.

Financials-

*Put as much money we possibly can into Investments (at least $40K).
Low spend month means more money into savings 
*Save $3K for Holiday money. N/A
*Save $5K for "The Challenge"

Entertainment = this is under budget so I’m putting $10 into the challenge.
NSD = in July we had 14 NSDs, so another $42 into the challenge.
Also DH made some money trading so $200 into this challenge.

Other –

*Read 200 books.
87. The Secret Runners of New York - Matthew Reilly (2 Jul) - Audio
88. Digital Minimalism - Cal Newport (3 Jul)
89. Nine Perfect Strangers - Liane Moriarty (7 Jul) - Audio
90. Truly Madly Guilty - Liane Moriarty (15 Jul) - Audio
91. Lab Rats - Dan Lyons (19 Jul)
92. The Last Summer of Ada Bloom - Martine Murray (21 Jul) - Audio
93. Secrets of the Millionaire Mind - T. Harv Eker (23 Jul)
94. A Year with Less - Cait Flanders (25 Jul)
95. Hearthbreak Hotel - Deborah Moggach (27 Jul) - Audio
96. The Sun and Her Flowers - Rupi Kaur (29 Jul)
97. Bridge of Clay - Markus Zusak (31 Jul) - Audio

*Continue Learning Spanish.
I’ve lost motivation 

* Wake-up early workout and or meditate 5 times a week.
Waking up early, no problem but working out and meditating big problem.

*Blogging once per week.
Still going

*Continue Garden/Landscaping.
Have been doing some little projects outside

*Continue Decluttering.
We took a bag to the charity place.

*Learn to Draw
Not really into this at the moment.

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.