This fortnight my budget balanced and is on track. I finished this time with a balance of $188.00 cash surplus, I have open an online account with $100.00 of this money and too rollover the balance to my next pension fortnight.

I have only the monthly phone bill to pay this time. The balance will go on to pay the CC which has all bills on it. I allot certain amount of my pension to bills each pension payday, this is rollover method that I use. As long as I don’t use it for other things or lend it to other people because they have over spent. It works for me. I use the CC as buffer, as at times, the bills can be due a few days before the next pension payday. Which is the case this time.

How long can I go before I withdraw out of my Bill & EF saving account? I am aiming for August if I buy a new lawn mower or November when all my large bills are due at the moment. To make this work I have to bank $40.00 into that account each month and not withdraw any money. It’s my version of the saving game. Any surplus savings will now be going to the online account at end of each month.

BREAKFAST Muesli & Milk Coffee 45c
LUNCH Crackers with Cheese & Mustard Pickle Relish Apple Coffee 40c
DINNER Poach Fish & Vegetables … $2.50

Bulk Food Replacement Fund - $71.50