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Archive for October, 2011

10th Monthly Financial Summery for 2011

October 30th, 2011 at 11:12 am

I am a very late in putting up my monthly, others things did get in the away this time but thatís another story which you have been reading about lately here. I only just updated my Excel so here are the figures for last month.

As I work on 28 day cycles, my dates may be out to a calendar months so here are the figures for my last period.


Itís time to start again on reviewing my monthly daily living allowance.

These are the categories for this challenge.

Items === Approx. Budget===Spent
Eating out===$35.00=====$22.00
Groceries===$135.50 ==== $78.18
Non-Food===$17.00=====$7.72
Clothes ====$35.00=====$105.50
Grooming===$15.00=====$35.00
Gas======$ 25.00=======$8.00
Pets====== $50.00=== ==$63.19
HH items===$42.50=====$40.44
Fares== ====$9.00====$20.00
Entrainments= $12.00
Garden =====$10.00
Gifts & Donations =$35.00===$3.00
Medical =====$15.00======$37.15
Diabetes Expenses====$50
Misc ======$9.00
Personal Allowance =$85.00 ====$58.29

Note only one amount is a no spend
Budgeted for this period $580 spent $478.38 so under budget by $101.62

No Spending days over the 28 days = 7 days in total.

Personal allowance covers confectionery, lotto, books, stamps, craft & hobby supplies.

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

As for medical this is the extra out of pockets amounts that came up this month just on medicine
As for my medical visits out of pocket expensive if they are related to Diabetes then I will class them as Diabetes Expenses will come under this new category.
Diabetes Expenses Ė nil

A most will be one off items or once per year expenses. But I need to track these items on my small budget and pension. Each time I pay for some things in this category I will need to cut something in other categories.

My credit cards are still paid in full each month.

Spending on books and papers $38.80 for the month including 4 papers.

I do keep my bill money separated from this summery. This year I will be budgeting around $650 per period month to cover all my bills. This month bills were around $ 378.80 so balance banked this month. This fund does cover all my fixed bills for the year if I can stick to this schedule as I have done for the past ten years or so. On my budget excel modelling chart I can pay the full amount this year.

As for food out, I dined out 4 times this month costing between $5 & $9 a time most were around the $9 mark as I can no longer eat at fast food outlets. That $9.00 meals at casino is still looking the healthiest and best deal in the city for now.

My grocery bill came in under budget for this month.

My clothes and grooming budget was well over this month I bought 4 new bras and only paid for 3 and had a watch battery replaced along a haircut.

Most of my social outing are dining out this is part of my social outings money and spending allowance.
If any changes to my spending habits will need to come out of my daily living allowance categories of my budget as my bill categories are very tight now.

Still need to work on a few categories as you can see but over all I had a good month.

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

Stuffed freezer

October 29th, 2011 at 08:40 am

With all this work on my computer, getting my freezer down a bit is a major problem I am still not getting to the bottom of it. I need to defrost some of the bottom of chest freezer meat so that is what I will be doing as itís time do so. I have 2 turkeysí leg & roasts there so I am cooking the oldest this weekend. Plus about 3 Chicken Maryland so will using these up and I have a lot of chicken legs packs so will putting these into my menu over few weeks two for the cats and two for me as there are 4 legs in each pack. I got them cheap enough to use them for the cats as well! Most of the red meat is in the small fridge freezer there isnít very much. But I do have a lot of white fish frozen pieces and some crumb fish so that enough for next two to three monthsí worth as I buy in bulk at 5 kg at the time about 32 pieces in all I have used some of it.

As for frozen vegetables I do have enough for a month or so, I will just buy fresh for now!

Just went looking for the roasts and what was in the chest freezer as I was just buying meat & chicken when I saw a good buy Itís time to stop this pattern and use up some of protein that I have already bought.

Strategy - Do remember what you have stored before you go and buy more of the same.

I better follow that strategy for now!

Spending is the norm for now!

October 27th, 2011 at 09:42 am

Getting things for my new computer and buying Christmas presents will be the norm around here for a while. This week I have bought 3 computer books, two for Windows 7 and one for MS Office 2010 these along with online Help and asking around should keep me going for now! Also I picked up USB Travel Hub, 8G USB sticks and extra DVD-R blanks plus a Mouse for a Laptop.

Until I learn to use this computer much better I will be on the slow side.

As my son has just got a new computer too! I have been buying a few odds & end for him as well.

So far I have spent a bit of money in getting it right without needing to go to IT tech for help.
Books were full price $107.65
But the other items were on special of 50% off or less = Totalling $178.00
So another $285.00 spent hoping this will be the last unless my printer doesnít work but it should do so. Some items I got Senior discount off so every 5% off helps.

All this is coming out my emergency fund and I have been told I am not spending enough money by my financial adviser as I saved too much money since I lasted saw him. I knew I could save but not that good; it was so much that finding ways to stretching that dollar must be working. A lot of that is bill money and saving fund that I stretch it more than six times in the last year.

Itís real hard to come up with $1000 but itís easy to find 1000 ways to save a dollar or two!

This has been my motto from the beginning and still is; now I can choose better items than the cheapest ones around because of it.

What an expensive week!

October 24th, 2011 at 09:31 am

With one thing and another I knew I was in for an expensive week but not that expensive.

All my large bills were due soon so I paid the Car Registration, Rates, and Water Utilities totalling $985.

Then getting a new mobile, accessories, prepaid card and then a new laptop and accessories totalling $1319
Then one of the cats had to go back to the vet for a check because a fur and food was compacted around a tooth so I found out later costing $45 with return visit & senior discount.

So far I have spent $2349 without dining out with family and normal cost of living. I am only two week in this month budget. Itís lucky that I budgeted for my bills each pension, and have a large emergency fund of $5000. So I will be saving to return cost of the new mobile and laptop so $1300 needs put back into emergency fund.

Now for a new washing machine this should be the next problem area as its 27 years old so I will be buying a new one when it gives up working.

That big learning curve

October 23rd, 2011 at 09:08 am

Well I have been thrown into this decade as my computer died on Thursday.
As you know that I have been disconnected from my Cable server and had to go to Wi-Fi last week. Three days in on Wi-Fi my computer packed in and is not worth paying another $200 to repair so I bought a new laptop and programs to go with. As all are upgrades now I have to learn to use them and along with learning to use a new mobile phone and Wi-Fi also working out how download my external HDD all my files & photos since 1999. They still there but not on the new computer but will work on this over the next few weeks. Yesterday I had set up the laptop to work and then download any programs that I needed also, so all this will keep me busy for a while and a very big learning curve to do it all by myself. Now to start saving again.

Itís has been a very expensive week.

Update on Phone and Internet Problem

October 19th, 2011 at 09:15 am

They turn off our cable this morning. So I am on Wi-Fi and mobile now!

The monthly outlays will be $79.95 for both. I end up getting unlimited calls & text within Australia plan and the 10Gb plan for the internet. This is all I will ever need as I donít download music or movies ever. My son now has his own Wi-Fi and computer now and lives in another house!

Now to learn to use both, this will stop me getting dementia for a while. I use these challenges as a training exercise to keep my brain active. Just think 12 years ago I couldnít turn on a computer. I am still very nervous when upgrading or adding new programs.

Fixing Landline & Internet Problems

October 14th, 2011 at 06:48 am

Well today my new internet system arrived for my computer, as the computer & phone company that I am with is no longer having cable in some areas. So anyone in these areas being cut off from the cable for good. I thought maybe itís just our street but I found out today that our next suburb is loosing their cable lines as well. Itís because our energy supplier has put some areas underground and therefore removing all the lampposts holing up these cables and with the national broadband coming here within the next two years they are not going underground so itís sign up with the underground supplier or go Wi-Fi & mobile only thatís what I have gone with. My Wi-Fi Mobile broadband pod arrived today, itís slower than my cable set up but I will learn to live with it. As for my mobile, I am still working though with that one. I still have about week to fix it up before I lose my landline altogether. I will be paying a lot more for a less then useful serves from what I have been told. I still donít know how much more per month. Finding the plan for your style of use is the biggest problem. I am looking at three that look promising. Having my own phone I can switch if I find one not working.

Springtime in my front garden

October 12th, 2011 at 09:36 am

I wrote about doing my annual weeding in my front garden
here


Azaleas were flowering in late winter now all the other are flowering.

All the bulbs, lily and iris that were replanted or left in the soil are now in flower.

Gladys are the same bulbs stock that my father planted 40 years ago.



They are like a weed but no annuals grow in this garden so I let them just grow here you donít need to take them out for next year as we donít have any frost. If you move them the baby bulbs just fall off.



I donít know the right name of these ones but you donít break them up if you want flowers that year. A friend thinned hers out and got one flower this year. I didnít thin my out.



I counted over 23 irises in flower at the same time this morning.

Windfall in second-hand clothes

October 10th, 2011 at 09:35 am

As I buy very few new clothes anymore which a rare. The last time I bought a complete expensive outfit was for my sonís wedding back in 1999. The rag trade would close up shop long ago if it depended on me. I do buy some slacks, ĺ pants, shorts and t-shirts when I do buy new, I buy on special or markdown thatís the same price I can buy at the Charity /goodwill shop or second hand clothes stores. I get better quality in charity shops than when I buy new. I mainly buy the bottom half of my outer clothes new as this were I fine the shortage for my size and the most damaged clothes with elastics or Zip failing in a short time after buying. I need to take up the hem lines or wear the ĺ pants longer than you would do so if you were normal height. I like the longer length so this part doesnít worry me that much. Under wear and socks are always bought new.

I have had busy few days, as our local charity shop is having a fill a bag sale of clothing for $5.00 last week. One morning I went up to browse around and as they were short staff until some arrived I opened up the second shop and watch other customers until the staff arrived hour later. As I knew the way around this sale and could look at the same time I was ok with this. I just was there as everyone else was just looking too when the staff arrived.

So I end up spending $20.00 for $1070 worth of clothes.

I bought 4 Bags of clothes totalling 42 items of which only one was not wearable. So at under 48 cents per garment this how can keep my clothes cost to under $300 per year. Buy very little new.


Pile of womenís clothes for picking over.


Bounty from two of bags of clothes

You donít get the latest fashion buy second- hand clothes which I am past that stage now. The colour may be few years past in shades and styles that donít matter if you feel good in the outfit and it goes altogether in tones. I buy by the look and feel of the fabric then the colour then look at the size then at the tag if has one. I was able to find all these off a pile on the floor with all size mixed together within under two hours. Everyone had the same task if you wished to buy something.


List of clothes bought - approx RRP

T-shirts
White -Bot Cornsurf RRP$25.00
Brown & cream, stripe V neck Ė Susannegrae RRP $25.00
White & beige stripe Cotton - Millers RRP$15.00
Black & White Stripe - Relaunch RRP$25.00
Grey & off white stripe - Pun Nai RRP$20.00
Yellow - Cherokee RRP $20.00
Pink & Beige stripe sleeveless Ė CMS RRP$20.00
Light Blue -CTM- DNM RRP$15.00
Black & white Floral sleeveless - Jag RRP$25.00
Pink with design printed -Jag RRP$20.00
Dark green with collar - Urbane RRP$20.00
Total RRP $230

Shirts
White Millers Cotton RRP$25.00
Black plain ĺ sleeves Ramie - Katies RRP$25.00
Pink ĺ sleeved Cotton/spandex - Crossroads RRP$25.00
Pink ĺ sleeved - cut off brand name RRP$30.00
Pink floral Poly - Daxon RRP$25.00
Lime plain Ramie - Now RRP$30.00
Lime cotton - Aqua by ping pong RRP$35.00
White& Brown Poly/cotton Ė Millers RRP$20.00
Cream background with Beige pattern , Rayon -Millers RRP$20.00
Green with mauve floral pattern, rayon Ė Millers RRP$20.00
Light blue with trim, Poly Rayon Ė Millers RRP$20.00
Blue small check with Grey trim, 100% cotton- Panola RRP$25.00
Blue Pattern rayon poly Ė Millers RRP$20.00
Dark Green poly - Postie Fashion RRP$25.00
Orange Plain background with a breaded trim, Poly - Millers RRP$20.00

Total RRP $365

Tops
Burnt Orange Rayon /Poly Perri Cutten RRP $40.00
Cream background with floral print, Silk Ė Real Clothes RRP $35.00
Black nylon S-less tank top - Now RRP $20.00
Black with white flowers Nylon S-less - Katies RRP $20.00
Total RRP $115



Two piece outfit
Top - Off white back ground with Blue floral print, Rayon/linen - Geiger Essentials RRP $25.00
Skirt - Off white back ground with Blue floral print, Rayon/linen - Geiger Essentials RRP$25.00

Pants
Brown Cargo shorts long Ė Millers RRP$20.00
Light grey linen /cotton slacks - Giordano Linen RRP$50.00
Grey Cargo slacks expensive ones RRP$50.00
ĺ casual pants Beige 100% cotton - Jay Jayís RRP$20.00

Total RRP $190

Dresses
Cream & black check - floor length will cut shorter RRP$30.00
Check - Potarorri Floor length will cut shorter RRP$30.00
Long blue with yellow floral print on hem line. Polyester Millers RRP$20.00

Odd pieces
Cardigan -Cream short sleeved -cut off brand name & buttons missing. RRP $25.00
Sarong aqua with mauve-pink flowers Ė Vanuatu- RRP $15.00
Bath robe -Pink poly -Shooze Zone (never worn) RRP $50.00

Total RRP $170

Grand Total RRP $1070


Clothes Line some of the clothes.


Two other posts on clothes shopping tightwad style.
Retail Therapy - Tightwad Style
the fill a bag sale

Strategy - Know when the best sale may be on and be ready to go!

Slow Computer Fixed

October 8th, 2011 at 08:40 am

My computer was getting on the slow side, and making a noise on start up too! So I put it in the repair shop to get fixed. They found one sector of the memory was lost and power to the computer was on the way out. So these were fixed and cleaned. I paid $180 for the service next time, I will upgrade my computer altogether. I had too many other bills to lay out for a new computer at this time. I have to get a new mobile that is unlocked just to name one. So I have been without a computer for 3 days so I just hope it will last another 18 months or so.

Strategy - If can be fixed then repair it, but use the less then half rule on replacement costs.

Car Boot Sale

October 3rd, 2011 at 05:50 pm

I went to local Church Car Boot Sale last weekend, I found some wonderful bargains.

This is what I found.


Mixture of items found


Oil painting and books


Oil Painting


Both oil paintings are by the same artist

Spent about $16.00 all up.

9th Monthly Financial Summery for 2011

October 1st, 2011 at 07:49 pm

I am a little late in putting up my monthly balance others things do get in the away at times but thatís another story.

As I work on 28 day cycles, my dates may be out to a calendar months so here are the figures for my last period.

Itís time to start again on reviewing my monthly daily living allowance.

These are the categories for this challenge.

Items === Approx Budget===Spent
Eating out===$35.00=====$20.05
Groceries===$135.50 ==== $151.46
Non-Food===$17.00=====$40.44
Clothes ====$35.00=====$25.00
Grooming===$15.00
Gas======$25.00
Pets====== $50.00=== ==$23.05
HH items===$42.50=====$42.54
Fares== ====$9.00
Entrainments= $12.00 ====$29.95
Garden =====$10.00=====$11.99
Gifts & Donations =$35.00===$21.95
Medical =====$15.00======$5.60
Diabetes Expenses====$50
Misc ======$9.00
Personal Allowance =$85.00 ====$70.99

Note only one amount is a no spend

Budgeted for this period $580 spent $443.02 so under budget by $136.80
No Spending days over the 28 days = 13 days in total.

Personal allowance covers confectionery, lotto, books, stamps, craft & hobby supplies.

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

As for medical this is the extra out of pockets amounts that came up this month just on medicine
As for my medical visits out of pocket expensive if they are related to Diabetes then I will class them as Diabetes Expenses will come under this new category.
Diabetes Expenses Ė nil
A most will be one off items or once per year expenses. But I need to track these items on my small budget and pension. Each time I pay for some thing in this category I will need to cut something in other categories.

My credit cards are still paid in full each month.
Spending on books and papers $39.50 for the month including 4 papers.

I do keep my bill money separated from this summery. This year I will be budgeting around $650 per period month to cover all my bills. This month bills were around $74.96 so balance banked this month. These funds do cover all my fixed bills for the year if I can stick to this schedule as I have done for the past ten years or so. On my budget excel modelling chart I can pay the full amount this year. This amount includes the cat operation with the Vet.

As for food out, I dined out 4 times this month costing between $5 & $9 a time most were around the $9 mark as I can no longer eat at fast food outlets. That $9.00 meals at casino is still looking the healthiest and best deal in the city for now.

My grocery bill came in on high side for this month.
Most of my social outing are dining out this is part of my social outings money and spending allowance.

If any changes to my spending habits will need to come out of my daily living allowance categories of my budget as my bill categories are very tight now.

Still need to work on a few categories as you can see but over all I had a good month.

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