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5th Monthly Financial Summery for 2015

June 29th, 2015 at 01:44 am

Here is my summery for May

I have updated my Excel finally so here are the figures for last month; I have been quite busy here.

This for period of 28 days each as I work on 28 day cycles, my dates may be out to calendar months so here are the figures that will bring it up to date as its very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

Review for May budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$27.40
Groceries===$125=== =$167.59
Non-Food===$15
Clothes ====$35=====$95.00
Grooming===$20 ====$35.95
Gas======$20
HH items===$40======$1.50
Fares== ====$15
Entrainments== $15
Garden =====$15
Gifts & Donations ==$35====$57.50
Medical & Diabetes Expenses ===$70====$118.30
Misc ======$10========$121.00
Personal Allowance =$90 ===$90.99

Note only one amount is a No Spend

No Spending Days 13 of 28 days

Budgeted for this period $550 spent $715.23 over by $165.23 on general spending.

This is because I have paid deposit of $121.00 for Awing for one of my windows with another two being paid by my insurance company. I also had a medical bill out pocket of $118.30 from skin specialist. Taking out these two items of $286.30 I still am under in my spending $428.93.

Personal allowance covers health drinks, lotto, books, stamps, craft and hobby supplies.

Eating out including meals out with family and friends, we all go Dutch.

My credit cards are still paid in full each month; it was $335.00 this period.

Grocery allotment $125 for each period it was over by $42.59 this period.

Strategy - Track your daily spending down to the cent by writing it down daily.

4th Monthly Financial Summery for 2015

June 11th, 2015 at 01:12 am

Here is my summery for April.

I have updated my Excel finally so here are the figures for last month; I have been quite busy here.

This for period of 28 days each as I work on 28 day cycles, my dates may be out to calendar months so here are the figures that will bring it up to date as its very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

Review for April budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$62.75
Groceries===$125=== =$103.45
Non-Food===$15
Clothes ====$35
Grooming===$20 =====$23.96
Gas======$20=======$26.40
HH items===$40======$15.75
Fares== ====$15
Entrainments== $15
Garden =====$15
Gifts & Donations ==$35====$52.00
Medical & Diabetes Expenses ===$70
Misc ======$10
Personal Allowance =$90 ===$51.11

Note only one amount is a No Spend

No Spending Days 13 of 28 days

Budgeted for this period $550 spent $335.42 under by $214.58 on general spending.

This saving went into medical bills over this period.

Personal allowance covers health drinks, lotto, books, stamps, craft and hobby supplies.

Eating out including meals out with family and friends, we all go Dutch.

My credit cards are still paid in full each month; it was $30.00 this period.

Grocery allotment $125 for each period it was under by $21.55 this period.

Strategy - Review your bills every six months so that you are still saving money with your changes that you made since renewed or changed bill companies. Change your habits if you can't change the company.

3rd Monthly Financial Summery for 2015

April 18th, 2015 at 01:21 am

Here is my third period summery for March.

I have updated my Excel finally so here are the figures for last month; I have been quite busy here.

This for period of 28 days each as I work on 28 day cycles, my dates may be out to calendar months so here are the figures that will bring it up to date as its very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

Review for March budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$37.15
Groceries===$125=== =$41.30
Non-Food===$15=====$2.00
Clothes ====$35
Grooming===$20
Gas======$20
HH items===$40======$7.10
Fares== ====$15 ======$20.00
Entrainments== $15
Garden =====$15
Gifts & Donations ==$35====$5.80
Medical & Diabetes Expenses ===$70====$273.85
Misc ======$10
Personal Allowance =$90 ===$36.19

Note only one amount is a No Spend

No Spending Days 15 of 28 days

Budgeted for this period $550 spent $423.39 under by $126.61 on general spending.
This saving went into medical bills over this period.
Personal allowance covers health drinks, lotto, books, stamps, craft and hobby supplies.

Eating out including meals out with family and friends, we all go Dutch.

My credit cards are still paid in full each month; it was $29.00 this period.

Grocery allotment $125 for each period it was under by $83.70 this period.
Strategy - Track your daily spending down to the cent by writing it down daily.

2nd Monthly Financial Summery for 2015

March 25th, 2015 at 03:31 pm

2nd Monthly Financial Summery for 2015
Here is my second period summery for February .

I have updated my Excel finally so here are the figures for last few months I have been quite busy here.

This for period of 28 days each as I work on 28 day cycles, my dates may be out to calendar months so here are the figures that will bring it up to date as its very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

Review for February budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$29.20
Groceries===$125=== =$45.36
Non-Food===$15
Clothes ====$35
Grooming===$20 =====$24.00
Gas======$20=======$13.15
HH items===$40======$6.60
Fares== ====$15 ======$20.00
Entrainments== $15
Garden =====$15
Gifts & Donations ==$35
Medical & Diabetes Expenses ===$70====$42.70
Misc ======$10
Personal Allowance =$90 ===$63.45

Note only one amount is a No Spend

No Spending Days 16 of 28 days

Budgeted for this period $550 spent $224.46 under by $347.41 on general spending.
This saving went into some of my huge bills over this period.
Personal allowance covers health drinks, lotto, books, stamps, craft and hobby supplies.

Eating out including meals out with family and friends, we all go Dutch.

My credit cards are still paid in full each month; it was $825 this period.

Grocery allotment $125 for each period it was under by $79.64 this period.

Strategy - Try to buy brand name groceries on special when you can at 40% off or better.

Unwanted Spending

March 21st, 2015 at 11:05 pm

My saving and budget are taking a hit in the past few months with my major bills all coming in the first half of the year and then having dental work done at the same time. These ones I did budget for but then I had to fixed my roof and now to have more dental work done that could cost between $900 and $5000 depending on how much work has to be done. All will be out of my saving as I have use up my health fund major dental refund for this year.

Having a lean year now is for real if I am ever to regain my happy security point in saving again in the future.
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Strategy - Don't spend your forward bill money on trivia, it's been put aside for a purpose and to keep you stress free.

1st Monthly Financial Summery for 2015

March 13th, 2015 at 01:34 pm

Here is my first Summery for January period.

I have updated my Excel finally so here are the figures for last few months I have been quite busy here.

This for period of 28 days each as I work on 28 day cycles, my dates may be out to calendar months so here are the figures that will bring it up to date as its very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

Review for January budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$31.00
Groceries===$125=== =$58.72
Non-Food===$15
Clothes ====$35
Grooming===$20
Gas======$20
HH items===$40======$12.80
Fares== ====$15 ======$20.00
Entrainments== $15 ====$20.00
Garden =====$15 ======$86.60
Gifts & Donations ==$35 ===$25.50
Medical & Diabetes Expenses ===$70====$18.20
Misc ======$10=========$4.00
Personal Allowance =$90 ===$70.59

Note only one amount is a No Spend

No Spending Days 13 of 28 days

Budgeted for this period $550 spent $347.41 under by $202.59 on general spending.
This saving went into some of my huge bills over this period.
Personal allowance covers health drinks, lotto, books, stamps, craft and hobby supplies.

Eating out including meals out with family and friends, we all go Dutch.

My credit cards are still paid in full each month; it was $390 this period.

Grocery allotment $125 for each period it was under by $66.28 this period.

Strategy - Don't believe all the advertising you see on TV or in the mail you didn't know you wanted it 15 minutes before you saw that advertisement.

S-t-r-e-t-c-h those Dollars even more

February 5th, 2015 at 03:06 pm

We had major hail storm in my area late last year; I am down for a new roof and a few other things that need to be replaced. The insurance company will pay up but only if I have some maintenance done on one part of the roof first. I have tried to get someone to do this work so that other jobs can be done. Out of the three companies that contacted only one came up with a quote and call here. I will go with this company now. It's over month now since I was told about the maintenance to be done and all were called that day. Now if there was no work then the quote most likely cheaper but with two major storms within two weeks and over million widows broken and over 50 suburbs in trouble from the hailstorm alone. Some houses still have boards over windows and will not be look at before end of March, as for getting a tradespersons that can do insurance work you are lucky if one is around before middle of 2016 for any other jobs.

The quote is under my maximum price but a bit on high side. I am looking at a bill for $3800. It's lucky I have my suppuration rainy account to fall back on but I must top it up again so I will be stretching those dollars a little bit more.

I am only keeping this house liveable but not at resale standard. So only maintenance jobs that I have to do will get done.

It's lucky that my car was not Hail damaged it was in the garage as all of them are being written off.

Living Lean on a Pension

January 27th, 2015 at 12:58 am

2015 will be Living Lean year as I can and being on age pension. My goal and challenge is Living Lean on a Pension.

I have no other extra income other than my pension, so I have to be as crafty as possible to make it my dollars s-t-r-e-t- c -h further than before.

I do have a little amount put aside for rainy day. Which I use when I need to and pay this rainy day account back out of my saving I can find in my frugal living challenge and any saving I can make on getting low bills which of late are increasing instead.

I will try cut back on my food, entertainment areas and personal allowance. I do better with challenges by focusing on certain areas than trying to do it over all challenge in all areas at once.

I will try to reduce my spending on what spend in the supermarket and on treats in personal allowance areas to start with.

I still wish to go on holidays this year, that about 4 months way. I will try to keep expenses down to minimum as I will be staying most nights with family.

Supermarket Spend Challenge - Try to spend less than half over the next 15 weeks.

Normal amount allowed = $472.00 - Target $230 over 15 weeks starting on Friday when my next monthly period starts. Note all my budgeting periods are 28 days in length.

Personal allowance and entertainment will try cut by 30% for now and go lower if I can do so.
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So my motto will stand for another year or two.

It's real hard to come up with $1000 but it's easy to find 1000 ways to save a dollar or two!
So let's go and find those 1000 ways to save a dollar challenge and see what's amount is at the end of 12 months.