Overall we were under budget



Had 11 NSDs for the month and put in $560 into Goal #4. Also paid some extra into the mortgage.

Yesterday and the day before were both NSDs.

Today I decided to pay an extra $2000 int the mortgage.

Nothing much is happening here, I'm just trying to recover from a cold.

I was just checking my personal finance spreadsheet this morning and I just realised that we've had 4 NSD in the last 5 days. It just happened.

Monday and Tuesday were NSDs.
Wednesday paid the gas bill ($71.15).
Thursday and Friday were again NSDs.

I've been having lower back problem all week so I haven't been anywhere. Also DH haven't had to top up his train pass this week. So, it has been a great week except for the sore back thing, which doesn't help with the running goal. I think I went a bit too hard with the running, I need to slow down a bit.

Today we need to get some groceries and will be going out for dinner. We got coupon for this dinner so it shouldn't be too much.

Today is our last day of the month, the property rate will be taken out of the account today. We are done with this month.

Grocery - $272.68 (over $52.68) *We were way under last month on this so we were low on some item this month.*
Utilities - $102.45 (under $97.55)
Rates - $142.00 (under $0.46)
Home Phone - $14.95 (under $55.05)
Mobile - $70.00 (over $20.00)
Internet - $55.00 (even)
Fuel & Fare - $199.84 (under $0.16)
Health Insurance -$249.21 (under $0.79)
Entertainment -$116.70 (over $6.70)
Gifts -$0.00 ($50.00)
Personal/Medical - $85.65 (over $25.65)
DH Allowance -$100.00 (even)
DW Allowance - $75.00 (even)
Miscellaneous - $65.55 (over $35.55)

TOTAL = $1,533.57 (under $63.43)

Had 9 NSDs – so $90 into my Sunny day saving fund.
Household fund and Xmas Fund is now fully funded.
Have also put in another $1,650 in to the Holiday Fund .

Grocery - $95.48 (under $114.52)
Utilities - $189.36 (over $9.36)
Rates - $142.00 (under $0.46)
Home Phone - $14.95 (under $10.05)
Mobile - $15.00 (under $15.00)
Internet - $49.95 (under $0.05)
Fuel & Fare - $222.61 (over $22.61)
Health Insurance -$249.21 (under $0.79)
Entertainment -$249.21 (over $59.45)
Gifts -$32.00 (under $68.00)
Personal/Medical - $29.95 (under $70.05)
DH Allowance -$100.00 (even)
DW Allowance - $75.00 (even)
Miscellaneous - $3.69 (under $26.31)

TOTAL = $1,448.19 (under $213.81)

Had 8 NSDs.
Put in more money into the mortgage.
Holiday Fund goal is now done.
Have also put a bit into the Household Fund.
We went away twice last month, at the start of the month and at the end.

I want one of this:

http://www.news.com.au/technology/love-to-ride-your-bicycle-try-this-paper-giant/story-e6frfrnr-1226473443447


Today should make it 3 NSDs in a row.


--------------

18 Sept: 10,884 steps
19 Sept: 11,226 steps (DH did the last 500, he decided to put the pedometer on while I was in the shower).

This is a bit early it is only in the morning of the 31st of August here but I can’t wait anymore.

Grocery - $389 (over $149.78)*
Home Phone - $14.95 (under $10.05)
Mobile - $20 (under $20.00)
Internet - $49.95 (under $0.05)
Fuel & Fare - $141.66 (under $58.34)
Health Insurance -$249.21 (under $0.79)
Entertainment -$185.60 (under $14.40)
Gifts -$120.47 (under $29.53)
Personal/Medical - $52.05 (over $22.05)
Clothing - $291.60 (over $251.60)*
DH Allowance -$100 (even)
DW Allowance - $60 (even)
Miscellaneous - $17.75 (under $12.25)

TOTAL = $1,673.02 (over $278.02)

*These are the culprits of the over spending this month. The grocery expense includes the $60 Costco membership fee. And the main over spending was in the clothing category. Basically we have used up our entire clothing budget for the year now. Overall, it is not too bad it just mean we can’t go clothing shopping anymore until next year.

Today should be a NSD, that makes it 10 for the month. So another $100 into my Sunny Day Fund.

I've added $500 into the Holiday Fund and $1400 into the Household Fund. Also saved in $200 for anniversary in October.

I'm bored right now, just waiting for this month to end so I can finalise August numbers. Had NSDs on Monday and Tuesday.

I'm starting to plan for our annivesary, which is in October. We will probably stay overnight somewhere. I think we could do it for $300 for everything. We both don't want to do anything big this year, we just want to go somewhere in our state that we haven't been to and just relax for the weekend. I will be saving $200 for it this month and another $100 next month.

I don't think we really need $2000 for christmas/anniversary (Goal #3) this year I think we can get away with $1000-$1200. We would rather save it for our overseas holiday next year.

Yesterday was NSD.

I'm currently reading The Millionaire Next Door. I caved and bought it for my kindle. I've always wanted to read it but could never find it in the library and did not want to pay $20+ for it. It's a lot cheaper in kindle now, last time I checked it was worth over $12 but last week it was down to $7.46 (AUD). I was happy to pay for that. I'm almost half through reading it so far so good. It is confirming that we are heading the right direction.

Yesterday’s spending:
Groceries - $8.95
Train Pass - $50

DH came home pretty happy tonight. The company finally signed the contracts (only 6 weeks due) of his workmates. And they are now working on DH’s contract and others whose contract is expiring mid next month. The contract will be for 2 years. We are trying not to celebrate too early but this is a very good sign for DH.

Today was a NSD

NSD yesterday - 6th for the month.

Today DH will have to get milk after work.

It's now after midnight and we just got home not long ago from my DH's workmate's house. We were invited to their new house for a low key housewarming party. There were only another 5 people (3 people from DH’s work and spouses). It was a nice dinner, we got to taste some yummy Indian dishes. They are originally from India so we got introduced to some new dishes that we have never tried or couldn't get from a typical Indian restaurant. It was very nice, I'm sure they made sure they didn't m it too hot. It was definitely at my maximum heat level. DH however just loved it and actually could go hotter. He loves hot food.

We also got to watch a bit of a Bollywood movie, without subtitles, it made for a good viewing. It was a comedy so it was pretty funny, unfortunately we couldn’t stay to finish watching it, it got too late by then. It was a very good night in the end the wife gave me a pouch/bag (made from a very colourful material). I didn’t open it until we got home and it had an apple and a little gold flower trinket (don’t really know how to describe it…lol). I just google this and I think it should have been us giving this gift as a housewarming present. Few days ago I told DH to ask his work friend if we could bring something and all he told DH was “just your wife”. Anyway, we just brought a bottle of wine from our collection. We at least know that he drinks.

It was a great night. It’s good to meet new people, the spouses, I’ve actually have meet DH’s workmates before.

On another news, today (or should that be yesterday) was a NSD. We will do the grocery shopping tomorrow if we can actually get up. We are staying up late to watch the Olympics (sailing and hockey is on at the moment).

Had two NSDs in a row, yesterday and today.

Nothing else happened today. the weather was terrible, total opposite to that of yesterday. I kept myself warm today by jumping on the exercise bike.

Finally feeling better.

Had 3 NSD this week.

Last night DH went to Aldi after work. No more grocery money in the budget, I think we went over about $5. Not too bad we wouldn't need anything until next month.

Tonight we are going out for dinner, teppanyaki, I got a good deal from groupon but it will still be pricey. This will push us way over the entertainment budget this month, I think over $50.

Had 3 NSDs in a row – yeah!

On Monday DH and I went to the Eye Hospital, we thought he will finally get his surgery done but the doctor suggested for him to try compression in the next two months first. I think because his eyes are normal and the cyst is a lot smaller than what it used to be, and also 50% of the time doing the compression helps. And it will hurt getting it out. If it doesn’t go away after two months the doctor suggested going to a private hospital instead, that way we won’t need to wait another year to make an appointment. It might cost some money though.