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Archive for March, 2013

Quite weekend here

March 29th, 2013 at 03:27 am

Its Easter weekend and we have two days with most things closed shops included. Today was one of them not that I mind as I not planning to do anything much in the way of going out. I visited two of my neighbours and had a visit from a lady who is a near neighbour asking could she have some greenery from my garden for her floral arrangements for the family gathering on Saturday it Hangi they are New Zealand Maori. I didnít mind as I am pruning my garden and some of what she was asking for is going soon!

I am not going to Adelaide in May now! With family problems down that way at the moment so it better to go at another time.

I got my tests done so far cost $535.00, it will cost more if I need to pay doctors gap charge, so I will now wait and see. $500 of that money was my excess was for hospital cover. I need to go back in 5 yearsí time. All was well but for small hiatus hernia so I just need change the way I do things at times and the new teeth will help too!

So happy Easter everyone!

Medical Expenses and more tests

March 15th, 2013 at 01:43 am

I did pay my annual Chiro bill the other day and it was the same as last year $540.00 for 12 visits. The normal pensioner/ student price per visit is $50.00 so I'm saving $5.00 per visit now as I get a refund $19.40 from health fund whether I pay $50 or $45.00 per visit. Thatís a saving of $60 per year or 10% off which no bank interest can match anywhere. So save money by paying early.

I had my heart value check again this year had to pay for specialist visit, ECG and Echo test. Total came to $337.00 of which Medicare (GOV) refund came to $252.90 and out of pocket cost $84.50. As there was no change in heart value and the doctor thinks I could have been born with this defect or have had it for a very long time. So I will need to budget for these tests each year to see if there is any change. So same time next year appointments have been made. More tests in a few weeks for something my mother died from. It's a test that I don't like having. Plus I have to see my eye specialist this year too! So more money to the medical sector is in the pipeline.

It's lucky that I can afford to do these tests but then I will pay kept myself healthy as I possibly can. Some pensioners here can't afford do them and are playing the price in pain and stress and years of waiting for free tests and operations.

Strategy - Ask about any discounts and donít worry if you forgot to ask about it, worse they can say is NO if you go back and ask.

Disposable Income and charities freebies

March 3rd, 2013 at 12:44 am

After reading this article Should Income Be ďDisposable?Ē

which I totally agree with, I donít view any of my pension as Disposable Income at all! I doubt if I do have a Disposable Income. If there is any Disposable Income then I should putting it aside for my next project or holiday or funeral saving account which I sure that I will need at some point as I donít wish to add one to my list of bills at my age. There are a lot of advertising for them here. But I donít wish the pay then find I canít afford it next year when they raise the price because of your age, I would paying heap any way. You lose any money put in it if you leave at any time so I think they are a money pit for insurance companies, I am better to save allow the family to get the some money at the end of it. So I think I will open an online account and add $25.00 per month to that fund plus any Disposable Income that I can.

Do you feel sometimes that advertising is out to get you and your Disposable Income, that they want your money at any cost and you made to feel that you are doing without or letting them down if you donít spend whether itís the company or local businesses or your state or country. You should not be saving but spending any money including your bill money on what they are selling at the time. Well I donít buy that line at all these days.

Charities are a case in point here; I get heaps of mail asking for help with lots of freebie in them. If they need to send you these freebies to get you to send them money why do they have paid the advertising company for that deal? I have heard that these advertising companies get a large proportion of monies sent in the first year.

I do give the charities please donít think I donít but I never give to any who send freebies in the mail. What makes me mad is there is no address to send direct to the charities in question.

The Freebies they are sending, name and address tags, large blank gift cards and small gift tags, stationery and pens, just small stuff along a giving plan which I canít afford ever. When you get that every week from different charities it does mount up to the point that I will never have to buy name and address tags again at this address.

So much for Disposable Income that I donít have to give away any time soon! Even the ones I do give to send me requests for more money but I have a Christmas donation time slot that give and that it.

Strategy - Donít spend your forward bill money on trivia, itís been put aside for a purpose and keeps you stress free.

Strategy Ė Donít believe all the advertising you see on TV or in the mail you didnít know you wanted it 15 minutes before you saw that advertisement.