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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.

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.

OCTOBER 2018

November 8th, 2018 at 10:43 pm



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

Car Service and some Financial Updates

October 16th, 2018 at 08:21 pm


Car Service = Yesterday’s car service was $321.20 - it included the normal service and a change in fan belt.

Increase in Income = DH got an increase but only CPI rate, not surprising really, income here have mainly stagnated in the last few years.

Salary Sacrifice = We’ve decided to increase DH’s Super contribution to hopefully decrease his tax. He is salary sacrificing few hundred dollars per month. Now that the house is paid off this makes a lot of sense for us.

Garden = I’m still getting a lot of swiss chard, I even gave some away to a couple of friends. I’ve been trying out different dishes with it. The other night I made crust less quiche with it. It was very good. A lot of seedlings I planted couple of weekends ago are now coming through. I’m just hoping we get a bit more rain this summer.

JULY 2018

July 31st, 2018 at 04:49 pm

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.