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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.

Week 23

June 17th, 2019 at 09:19 pm



We spent most of our weekend in the garden again; the weather was fairly warm for winter. We trimmed a tree and built another small raised bed. I think I will plant strawberries in it, so right now I’m trying to grow strawberries from seeds. I planted some late last month (I had a packet of seeds, I think I bought them last year) and they are finally showing some life, a couple of leaves so far. Yesterday I planted some more strawberry seeds, these seeds I collected from strawberries we bought from a farmers market during summer. They were the best strawberries I’ve ever tasted so I made sure to collect some of its seeds. I’m hopeful they will grow

Grocery = $127.10

Greenhouse = $30 – bought a greenhouse from Aldi, it was on sale $10 off.

Electric = received a cheque for $80.69

Update on rubbish bin = Compost bin cost $164.50 and the saving for downsizing our rubbish bin is $88 per year.

WEEK 22

June 11th, 2019 at 09:53 pm



Grocery =$128.83, we stocked up on coffee and meat, there were some good sales. I have a feeling that inflation is going up further so I'm buy thing on sale while prices are good.

Water Bill – for the quarter it is $205.67

Electric Bill – we have now accumulated $80.69 credit, I believe they will be sending us a cheque before the end of the month (which is end of our financial year) they seemed to do this at end of financial year.

Gardening – We had a 3- day weekend here (for Queen’s birthday holiday), the weather was fairly nice so DH and I spent a bit of time gardening. We built two more raised bed. We have been experimenting on making compost at home. We did one that we started few months ago, it is now ready and have used it for the new raised beds. There were so many worms in it, they were loving it in there.
Also, last week DH bought a new compost bin, it is supposed to be really good that it is actually recommended by our council and they are actually giving us (I think) $50-$60 if we register it and buy it online through this specific company. I have to ask DH for actual numbers but I think he mentioned that they sell them at our local hardware store for $220 but I think we only paid $165 for it. While he ordered this new compost bin he also asked our council to swap our general bin to a smaller size, which cost cheaper (again I don’t remember the amount – I’ll update, when I get actual amounts). Since we have been composting everything that is compostable we hardly have anything to throw out in the general rubbish bin. The new bin is so small it looks like a kid’s toy.

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.

WEEK 21

May 28th, 2019 at 11:57 pm



Grocery = $64.87

Lunch out = We went out for lunch on Saturday with some friends, it cost us $41. And I gave away 4 pumpkins.

Garden = We went to a nursery and bought some small fruit trees, some other plants and garden supplies - $124.47

Week 20

May 21st, 2019 at 07:29 pm



Grocery = $132.10 – everything is getting very expensive. We bought another 25 kilo bag of rice (that was $38).
It is time to plant some more vegetables in the garden. Speaking of the garden, we just harvest all the pumpkin on the weekend and all up we produced 3 dozen, although 3 of them were small just under a kilo. At least that is something we won’t need to buy for the rest of the year. And we have extra that we can give away to some friends.

I’m finally starting to get into my routine again. I’m so much more productive when I follow a schedule. I’m doing a bit more work in the garden. I’m getting ready to plant some winter crops (kale, snow peas, peas, beetroot). Now that we got rid of the pumpkin, we need to clean up that area and finish the cementing of the border.

We eat healthier too when I’m organise. And I have more time for reading and working out.

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.

Week 1 & 2

January 14th, 2019 at 09:11 pm



DH had to do a back-up of my computer and then he cleared everything in my computer and then re-installed everything. I think my computer has needed doing that for months now. So I haven’t had time to do my spreadsheet for this year and to write a blog post for the last week.

Anyway, recent spending for the first 2 weeks of this year:

Groceries – Week 1 = $59.09
Week 2 = $72.99 – We went to the market on Sunday, got the sweetest strawberries I’ve ever tasted for $5 for a kilo and also got 2.5 kilo beetroot (with a freebie small pumpkin) for $6. Then we went to a nearby pier to buy a kilo mussel off someone’s boat for also $6. Then we bought fish and chips nearby and had an impromptu picnic by the water.

New Kettle – Our 10 year old kettle stopped working last week. So we bought a new one for $59.

Insurance – Today both our car and home insurance got paid. Car is $455.35 and home is $651.44. We managed to lower the car insurance by changing and upping the excess.

Garden – since Christmas we have been getting a steady harvest of vegetables (tomato, cucumber, beans, zucchini, and herbs). I’m really enjoying gardening this summer but in the last few days we have been experiencing a heatwave and we haven’t had a decent rain since about a week from Christmas.