My Simple Financial Plan

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What's going on with this blog???

Yesterday we got an entitlement and acceptance form for one of DH's stock. He is entitled to acquire 4 new shares for every 5 existing shares, at an offer price of 20cents per new shares. All up it amounted to $110.20. I've decided to take this out of the Sunny Day savings.

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I've decided to add another goal this year. To read at least 5 books a month. At the moment I am re-reading "The Magic of Thinking Big". I can't remember that last time I read this book, maybe 15 years ago. It is probably the first 'self-help' book that I read. I remember someone gave this to my mum in the early 90's and it just sat in the bookshelf for years, until one day I guess I was bored and picked it up.

A week ago a friend of mine lend me "The Twilight" books. I didn't like the movies (I couldn't finish watching the second one) so I'm going to give the books a try.

Mortgage got paid few days ago.

Paid = $1218
Interest = $548.39
Principal = $669.61
Current Balance = $111,130.37

DH actually got paid on Friday, it is for only 2 days worth. This is because of the christmas break he only worked 2 days for that week. And because they paid him for 3 weeks worth before the christmas (which I'm accounting for in this month's income).

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Yesterday should have been a NSD but I was silly and decided to stop at KFC for burger and chips after our run, I been wanting some for days. I wish I didn't it wasn't that good, DH didn't even have any, not even 1 chip. We came home and he made himself quinoa and tuna salad.

The run was really good until my shin started getting really tight, I thought I was going to get cramp. I thought I was going to run it in 35 minutes but ended up finishing it in 40mins . I've always have problem with my shin, I need to stretch it better.

The weather is going to hot here again today (38 celcius), not as bad compare to NSW where it is going to be 46 in some area of the state. There are still some fire burning around our state. Tasmania however was devastated by the bush fire, there is a whole town that has been wiped out.

We woke up 2 hours earlier than normal for a Saturday yesterday.

By 7:30 we were lining up at the pathology office to get my blood drawn. I had to get tested for my allergies. I should get the result in a few days time, so another doctors appointment for me, yay. Between DH and I we have had about half a dozen doctors visits in the last month.

The pathology only took 10 minutes as we were the 3rd person in line. It was my first time ever getting a blood test, and wasn't too bad. A lot better than going to the dentist!

Speaking of which, we went to the dentist a couple of hours later. I'm a glutton for punishment! Our dentist is in the city, we were lucky we were able to find free parking. Normally it would have cost about 5-10 dollars for a couple of hours parking. The dentist was happy and no need for fillings or further treatment. Just cleaning for myself but DH also had two x-rays taken as it was due. I will be getting mind next visit. My dentist visit cost $142.60, but it was 100% covered by our health insurance so I didn't have to pay anything. DH cost $211.60, the health insurance covered $187.45 so we had to pay $24.15. The extra was for the x-rays.

So far the morning was good, we hardly spent any money but then we went a bit crazy. As we were walking back to our car we saw a sale for 50% off on some shoes. DH badly needed walking/casual shoes as he goes through them so quickly. We decided to buy two pair an the price tag showed $70 each, so 50% off made it $70 for the two pair. However when we went to pay, they came out to be $12.50 each, so $25 for the two pair. Since DH goes through shoes so quickly, and these were so cheap we decided to stock up and bought another 3 pair for $62.40. All up we spent $87.40 for 5 pairs of shoes. I really don't know how DH ruins his shoes so quickly, it's different causes so it's not one issue. It doesn't matter whether we get him the $200 shoes they last as long as the $50-$100 ones. Our clothing budget this month was suppose to be only $30 so we are again now over. Why do I buy clothing in bulk? Because DH and I actually hates clothes shopping, so when we see something worth getting we buy multiples. Especially DH he hates trying things on. Anyway, I hope these will last at least 2 years.

Afterwards, DH took me to a new Mexican restaurant that he tried last month. It was really good. Spent $24.30 for 3 tacos, burrito and a drink.

On the way home, we went to Aldi to get some groceries and stopped at a discount warehouse store for more groceries, including cleaning products.

Then we went to the video store to return a couple of DVD's and then we borrowed another 6 weekly for $7.95. We tend to borrow DVD's this time of the year when there are hardly anything on tv and it's a getting to do indoor when it is very hot outside.

Today we are just relaxing and I hope to go for a run tonight when the weather will be cooler. I decided not to go for a run yesterday, I was really tired after all that stuff that we did yesterday.

I almost forgot to post this. We did well last year by posting our monthly budget here. It just helps so much.




We are in a bit of heatwave here at the moment. Today it will most likely hit 40+ celsius. And the wind is picking up which is not good, it's the same condition we experienced during that horrible Black Saturday, 4 years ago. Today is a total fire ban, this includes a ban on using power tools like a grinder.

Because of this heat DH and I haven't been able to go running since New year's day. I'm hoping we will be able to go tomorrow when the weather will be under 30.

This is what our 2013 spending plan looks like. We are again aiming to only spend $21K for these items.

This was our 2012 spending (living spending):




Month by month breakdown:




UNDER by $277.60!
Grocery was pretty much spot on.
Utilities were awesome. I have adjusted it for 2013.
Fuel and Fare as predicted was over by a lot. I didn’t account for the potential increase in public transport tickets.
Health Insurance went up a lot more than I budgeted for. It’s getting very expensive.
Entertainment was good until this last 3 week, we went crazy going out. It’s a bit hard to say no to people you haven’t seen for months.
Personal/Medical, I always find hard to budget for this. I will try to get it right again next year.
Clothing is over because of this month’s spending. Don’t regret it though because it should save us a bit in the future.

So that was 2012. For 2013 (coming next entry), I’m hoping it will be as good as or better than 2012.

Grocery - $280.24 (under $80.24)
Utilities - $166.5 (under $133.50)
Rates - $141.54 (under $0.46)
Home Phone - $21.11 (under $48.89)
Mobile - $10.00 (under $10.00)
Internet - $55.00 (even)
Fuel & Fare - $177.72 (under $22.28)
Car Registration - $696.50 (even)
Health Insurance -$249.21 (under $0.79)
Entertainment -$359.7 (over $214.70)*wow this is what happens when I don’t keep an eye on our budget. We have been going out so much in the last 3 weeks.
Gifts -$47.60 (under $32.40)
Personal/Medical - $48.45 (under $11.55)
DH Allowance -$100.00 (even)
DW Allowance - $75.00 (even)
Miscellaneous - $21.64 (under $8.36)
*Clothing - $260.91 (over $260.91) Did not budget for this at all this month, but we ended up buying DH 3 suits and 3 business shirts.

TOTAL = $2,656.12 (over $287.62)


The good news is that even though we have gone over by a lot this month we are still under for the year. I will post our whole 2012 spending next.


We had 7 NSD for this month.
Put another $1000 into the holiday fund.
Went a bit over in the chirstmas fund by $82 so I put in extra in that.

These are our goals for 2013.

Goal 1: Pay extra $30K into the mortgage principal.
Action Plan: Must put in $2,500 extra on average per month.

Goal 2: Save $3000 into the Holiday Fund.
Action Plan: To be done by March (at least $1,000 p/m)

Goal 3: Add $6000 into the Household Fund (There is a long list to do/get).
Action Plan: Will put any extra money to this from Mar to Aug (avg $1000 p/m)

Goal 4: Save $2000 into the Xmas/Anniversary Fund.
Action Plan: To be fully funded by Dec.

Goal 5: Add $2000 into the Car Fund.
Action Plan: Put any extra money towards this goal.

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1 Jan - Run for 40 mins (once around the track)
The other day I ran it for 35 mins, my best time so far. I guess yesterday I wasn't feeling 100%, was still recovering from the last run and was also tired from NYE activities, we played badminton at the picnic.

After our run we went straight to my mum's for lunch. Then in the afternoon we went to the local pool. Just a light session to help me recover. Then last night we watch a 3d movie at home. So that's how we spent our new year day.

We celebrated our NYE last night by having a picnic dinner with some friends around 6:30pm and then when it got darker around 9pm we came all came to my place to watch a movie and celebrate the new year.

I've copied and paste my side bar here because I will be deleting it later and putting my 2013 goals tonight. Don't have time right now we are about to go for a run and will be having lunch at my mum's. I tried to log on here earlier after everyone left but it would not let me in.

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2012 GOALS: Achieved all goals and exceeded some of them

Goal 1: Get mortgage down to $120K (Bal. Dec 2011 = $149K)
Action Plan: Must put in $2,500 per month.
TTD: $29,309.15 (Sep 16)
Mortgage Bal: $119,690.85
DONE!!!!!

Goal 2: Put $5000 into the Holiday Fund.
Action Plan: Will put $500 until Oct.
TTD: $5,000 (Oct 31) DONE!!!

Goal 3: Save $2000 into the Xmas/Anniversary Fund.
Action Plan: To be fully funded by Dec.
TTD: $2,000 (Nov 30) DONE!!!

Goal 4: Add $7000 into the Household Fund for new windows, etc.
Action Plan: To be fully funded by Dec.
TTD: $7,000 (Nov 9) DONE!!!

Goal 5: Add $3000 into the EF - this will get us to a very tight 6 months living expenses.
Action Plan: Put any extra money towards this goal.
DONE (31 Mar)

Our social calendar have been very full lately. Just a typical summer and holiday time. Yesterday we travelled just over an hour to the other side of the city to visit a friend. She bought a house over there earlier this year and we finally made it to her place. We had lunch there, hamburger and a bit of sweets.

Afterwards, DH and I went into the city to watch Samsara, they finally released it here in Australia. It is on limited release so we had to watch it on a small cinema. I've never been to this place before, I really liked it only seats about 35 people. Great movie.

Then we had dinner and few drinks at the casino afterwards, we parked there because it is free, well not really since we lost. Oh well, we go there 2-3 times a year not too bad and we had fun. We did get home until after midnight.

Today we are going grocery shopping for tomorrow night's (NYE) picnic with some friends. I'm planning to make quinoa salad, I'm following Jamie Oliver's recipe, I got his 15 minute cookbook for christmas.
I'm planning to make something from the cookbook once a week, I will try anyway.

I'm halfway to putting away the christmas tree. Hopefully this afternoon I will still have energy to go for a run.

I've spent a bit of time this afternoon setting up my 2013 personal finance excel. I pretty much just copied the 2012 set up. I have worked out our master plan for the whole year. It has the monthly budget from Jan to Dec and also the estimated income (based on the 2012 numbers). It pretty much tells me where every cent should go every month. It is also set up to ensure our financial goals next year will be achieve by having an action plan.

Today I came up with another goal (non-financial) to be able to run around the track that we normally run at twice by the end of next year. I came up with it while running. Right now it take me about 40-45mins to go around it (once). I can't even imagine running around it twice yet. Half of the time I spend my time walking instead of running/jogging. I think if I can do it non-stop I can get my time down to around 30mins.

Christmas day I decided to gift our mortgage holder bank $500.

Current balance = $111,799.98 (we should get this under $110K next month)


Our christmas was really good, nice and quiet just the way I like it. Still trying to get through the ham, we managed to finish the turkey last night.

Christmas eve we almost called the ambulance because I had a really bad reaction to some prawns. It was the worst I felt, so now I can't eat it at all anymore. I will be making an appointment to see my doctor and to get a referral to see a specialist.

Boxing day (26th of Dec) we decided not to bother going shopping (at the start of the month I was planning to go), we got so much stuff that we needed and wanted before christmas that we really don't need/want anything right now. Boxing day was almost a NSD until I saw and ad on tv about airfare sales. We decided to go get 2 returned tickets for mid-Jun, it will be a long weekend for us, Queen's birthday public holiday. We will be visiting DH's family again.

Today, Dh went back to work . I'm at home watching the cricket game. Few days ago, while getting cash out of the ATM DH found out that he got paid in advance again. The same thing that happened last year when they paid him just before christmas. The pay was for 3 weeks worth, he will most likely get paid again next Friday for 1 week's worth but in this case only 2 days becuase of the holidays. I've decided to put this pay in the January book, I don't want to deal with shortage/negative month again like last time. January is the worst month for it because of couple of annual bill that we have to pay. It's not really a big deal I just hated seeing the negative amount at the end of the month, then have to rectify it in February.

Last night BIL came over for dinner. He is in town for work, only here for 2 days and will be flying back home this afternoon. I made roast chicken and cooked some spring rolls I made the other to have while we waited for the chicken to cook. He came with a nice bottle of Shiraz to have for dinner.

As he was leaving DH gave him $100 to give to his kids for christmas, there are 4 of them so $25 each. We saw them just over a month ago and had given them some money then, so we weren't planning to give them anything until next time we see them. Just not keen on sending cash over the mail. But since he was over it was easier to just give it to him.

DH called earlier happy that he got free lunch (burrito) from a new Mexican restaurant. They were giving free burritos today and giving $1 to charity, they are trying to break some record. He decided to get a can of pepsi to go with his burrito, even better it was only $1. DH actually took leftover roast chicken this morning, he will have to bring it back. He can't have it tomorrow because he will be going out with his co-workers for their christmas lunch, it's their last day tomorrow before the christmas break.

Just got a phone call and apparently my new glasses are ready, they said it won't be ready until after christmas so I wasn't expecting it until then. I don't have time to pick it up until Saturday, we will go to ALdi while we are there.

Next year I am looking forward to:
1. Seeing the mortgage go under $100K – we are getting very close, it could be a nice birthday present for me in April.
2. Hitting the 1/2 a million (this sounds better than $500K) mark in net worth. We are currently around $470K. As long as the stock market and real estate is stable next year then we should hit this mark.
3. Going on holiday with family, it will be nice family reunion, most of them I haven’t seen for almost 20 years.
4. Having $70K+ in shares and managed funds, currently at $59K. This is dependent on the stock market doing well.
5. Also hitting the $120K+ in our retirement accounts, again I am relying for the stock market to be at least stable. Just contribution alone should get us very close to the $120K mark.

1. Christmas card from my auntie and family. First one for the year, not many really send christmas card via the mail anymore, except for this auntie, without fail she send us one every year. The only other one that might send us one via mail is my MIL. Everyone else sends texts/facebook/etc.

2. DH's margin loan statement for the month of November. Total market value has gone up so does the total amount owing because he bought more shares last month in this account. They took $26.10 for interest in November. Normally DH pre-pay interest at the end of financial year (June for us here)to get some tax benefit. Sometimes he buys some shares throughout the year and has to pay interest on it every month throughout the year.

3. A letter from our accountant saying that they have now been acquired by a new company. There shouldn't really be any changes, some of the personnel have been retain. I just hope the fees are not going up too much.

4. A dividend statement from one of DH's stock for $119.94. Their dividend reinvestment plan is currently suspended so he will get cash instead directly deposited into his account that is connected to his margin loan account. This will help pay for interest.

5. Electric bill - normally this would have been due some time next month but we this time around we have a credit balance of $47.75 (thanks to the sun!).

6. Almost forgot the big one, Credit card statement, this included the car registration and a bit of christmas spending and the other usual spending of fuel, eating out, mobile phone... All up it's for $1,185.89, not due until next month 7th of Jan.

DH printed out the contact lenses receipt that we bought online the other day. He took it to our health insurance company during his lunch break today, it is only few blocks away from his work, could have taken the tram and he would have got there in few minutes if he wanted but he opted to go for a stroll instead.

He called me afterwards and told me that they handed him $64.60 in cash, not bad.
Cost including shipping = $99.40
Health insurance rebate = $64.60
Out of pocket cost = $34.80

We used the credit card to buy them so really won’t be paying for it until next statement.

60 pair of contact lenses (about 8-10 months’ worth of use) = $34.80
3 brand new eye glasses = $13.65
Total = $48.45 for the year

Interesting info we got from the girl that helped us the other at the optometrist, she said that DH can actually get sunglasses and claim it in our health insurance too. He might look into it next year.

Yesterday mid-morning DH went to the doctor to get his blood test done. He didn’t get home until around midday, when he could finally have his breakfast. For late lunch I decided to take him out (as a reward) to one of our favourite Vietnamese/Asian restaurant. DH loves their massive bowl of Beef Laksa for only $8.90. I love to get the rice vermicelli with spring rolls and grilled pork, it’s full of fresh and some pickled vegetables with some peanuts on top for only $9. And DH can’t go there without having his favourite Avocado smoothie (“mock tail”). Only $21.90 for everything, it was my treat so it came out of my allowance money.

On the way home I decided to check out a place I saw on TV to get some picture frames. I got 7 different sizes for only $16, I was very happy with that. Nearby was another store with an advertisement outside their store for suits for sale from $59.00. I wasn’t expecting much but decided to check it out anyway. We’ve had plans to get DH another suit next year (I was hoping to get a reasonable price overseas), so for only $59 why not check it out but at this stage I was fully expecting shitty ones. I was not expecting for most of them to be made in 100% fine Australian wool! Most of them didn’t fit DH but we managed to find few that were in his size and fits really nicely on him, he tried 4 of them and decided to get 3 (2 were 100% wool and 1 is 97% wool and 3% polyester). We are very happy to get 3 for 1 that I was fully expecting to get next year for around the same price. As long as DH keeps his weight/size (we are both pretty good at having consistent weight) we shouldn’t need to get him another suit for another 5 years. It's funny how things work out, have been thinking a lot about this and the oppotunity just came up. Last night we were discussing whether we should take this spending out of the sunny day saving, there is a case for it, we only really thought about it because we are now over budget for clothing. Since we are under our overall budget this year it's not really an issue. I think I will decrease our clothing budget next year by $100 and will put in more in the transportation expense because train tickets are agiain going up next month.

In the same store I found my favourite brand of bra for only $6, they are normally around $20-30. And DH got just under $38 worth of knickknacks to give away to his co-workers for Christmas. He has 11 people in mind so average of $3.45 per person. I got to gift wrap them today; each will have a box of shortbread biscuits in Christmas shapes, a sachet of moccona frappe latte, a bar of chocolate and couple of lollies, just a nice little package to have for an afternoon tea. And I will have some leftovers for me

This morning I ordered my contact lenses online. I decided to get a box (30 for each eye) of the same brand that I'm currently using and also another 30 per box of the new brand that the optometrist prescribed. I really don't know why she prescribed a different one to what I'm currently using. Anyway, my current ones were on special sale, only $20 per box and the other was $24.70 per box. There is only slight difference in diameter and the curve base of it. I'm hoping that this new one might be easier to put on and take off, I don't really anticipate any difference. The postage is $10 plus gst so buying the extra 2 boxes at the same time was cheaper per box. This should last me 8-10 months. All up it was $99.40 but I might be able to get some of it back from our health insurance.

Then we went to the shopping centre to get new glasses, they have a deal to get two for the price of one. The cheapest one for this deal were $149, when they scan through my health insurance card they ended up to be $0. I skipped on all the extra fancy stuff this time around. I wasn't really keen on getting them as the one that I really like was only $30, but since they didn't cost anything I decided to just get them (I can have different style for different occassion). At this stage I still kept going back to the $30 one, which I'm sure made the lady think that I might be insane. Anyway, I decided to also get her to put it through, at this stage I thought I will have to pay full price on the $30 one but it turned out for all 3 glasses I was only $13.65 out of pocket. Not a bad deal. The funny thing is I can actually go back next month and get more glasses for free. Not that I would. If I did that then they would definitely think I am crazy!

After getting my glasses we went to Aldi and to another supermarket in the same shopping centre. We many done christmas shopping, we now have turkey, ham and other stuff that we are planning to have for christmas. I mainly just need to get seafood and fresh produce on Christmas eve.

I got up early today to get my eyes checked. I'm running out of contact lenses, I thought I might need new prescription for them but apparently eventhough my glasses have slightly changed (yet again), my contact lenses are alright. Unfortunately I couldn't buy them from them they have to get them ordered or I can get them online for cheaper, the buy showed me how to order them online. I also didn't bother getting a new glasses today, I will probably go back on the weekend to order them I was in a hurry and I want to go there with DH so I can get his opinion.

I could actually get away with my current glasses. I wasn't really due for new glasses for another year but since we are doing really well with our budget this year, it might be good to get them now before the year end and before our health insurance reset for the new year.

Both DH and I have been looking to do this for years now. ALmost got to do it couple of years ago but it never happened, the friend who was supposed to organise it kept cancelling. Last night while going through online deals (similar to groupon) I came across a deal for a whole day first aid course for only $49 (normally $150). We both got one, so even for two it only cost us $98. Great deal and they have 4 location to select, one of which is only about 10-15 minutes away from us. We got until mid next year to enrol for one of the scheduled time. Very happy about this deal.

Payday was on Friday, it was a day less worth of pay because of a public holiday.

Paid the car registration for another year. It just keep going up every year. Almost $700 now, I remember paying only half of that when I first started driving.

Last night I decided to put another $1000 into the mortgage. I really want to put more but maybe by the end of the year just incase something else comes up.

Nothing else much happening here, just waiting for christmas to come. We will have 5 day weekend because DH won't need to go to work on the 24th and 26this boxing day here, which is a public holiday.

Regular monthly mortgage payment:
Paid = $1218.00
Interest =$558.20
Principal = $659.80
Current Balance = $113,299.98 (I haven't posted this here for a while).

Waking up to the nice fresh smell of pine tree is amazing. This is the first time ever that I am 100% happy with our christmas tree. Not the most frugal way to get a tree but I was happy to pay for it because the proceed went to the scouts.

Today I found out that the reserve bank have decreased the interest rate again late yesterday afternoon. Good news for us mortgage holders.

Also today in the garden, I just picked a handful of cherry tomatoes, first time this summer. I think in two weeks time I will have more to come. Also there are more strawberries to pick soon.

I was meant to blog about our weekend yesterday. It was a very spendy weekend but most of it was for christmas and also got my brother a gift for his birthday this weekend.

For the first time ever we got a fresh christmas tree, we decided last year that we would get a fresh christmas tree this year, just to try it. I was expecting to get it for around $100 but found one by accident while driving to the factory outlet for only $45. We checked it out on the way home, they look so much better than the fake ones. The roof rack came in handy, it save us on delivery cost.

I spent last night decorating it, we also discovered that DH might be a bit allergic to it but as long as he doesn't go too close to it he is alright. I love the smell of it. I think we need to get more decorations though, just a bit extra.

I also spent time yesterday gift wrapping the gifts that we got on the weekend. I run out of ribbons, so I will need to also get some more of those. We are about 90% done with christmas shopping, not including food.

Last one for 2012!

Grocery - $200.00
Utilities - $250.00
Rates - $142.00
Home Phone - $70.00
Mobile - $30.00
Internet - $55.00
Fuel & Fare - $200.00
Car Registration - $696.50 (This is annual fee, got the bill a week ago and it is due on the 15th of Dec. At the start of the year I budgeted $660 for this unfortunately it has gone up a lot more)
Health Insurance -$250.00
Entertainment -$145.00
Gifts -$80.00
Personal/Medical - $60.00
DH Allowance -$100.00
DW Allowance - $75.00
Miscellaneous - $30.00

TOTAL = $2,368.50

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 .

I have been looking at our budget/spending (the 21K challenge) this year and also our potential spending plan for next year. By the end of this month we will have just under $3000 left for the month of December but according to the budget we could live off on $2,400-$2,500, so in the end of this year we will be under budget by around $500-600.

Next year we will most likely try to do the $21K challenge for the year again. The number will change in some categories. I know that utilities, health insurance and transportation costs will be higher than this year.

Also been making plans for a holiday that we will be taking in February next year. We have already booked the flights, my mum is going with us and we are paying for her too. We are budgeting $10K for this trip, by the end of the year we should have 75-80% already of it save so another ~$2K to go for next years budget.

I'm anticipating lower income next year but our goals and budget will be very similar to this year. Wash-rinse-repeat...

Put in another $1,500 into the mortgage last night.
Current balance is now just under $114K.

Today I pulled out 1 red radish from the garden, the first one for this season. This is the first time I've ever grown radish, they are actually really easy to grow here it has only been 6/7 weeks since I planted the seeds. I will definitely be growing these again.

The strawberries I planted about 3/4 months ago (in winter) have now got lots of fruits, probably another month before I can harvest, although there is one big one already that will probably be ready in 2 weeks time.

The tomatoes seedlings that I planted 2 months ago have now got lots of green tomatoes, not long now for those.

The zucchini, cucumber and beans are slowly growing.