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Quick drop in

February 28th, 2016 at 12:56 pm

I have been doing a lot around here but not online as much as before.

Spending my savings on eye operations and new computer as my last one died on me. I am still trying to learn to use Window 10 was having major problems with it. Like not working with major error.

I will update later when I can see better.

Have a great leap year day for 29th February.

Summary of 2015 Daily Living Allowance

January 5th, 2016 at 03:29 pm

This doesn't count any fixed bills or planned budget spending only items that I could if need to cut back on at any time.
Eating out - $547.89 - over $92.89
Groceries - $1394.95 - under $230.05
Non-food - $48.30 - under $146.70
Clothes - $241.23 - under $213.77
Grooming-$190.86 - under $4.14
Gas -$113.91 - under $146.09
HH items -$285.34 - under $234.66
Fares-$95 -under $100.00
Entertainments -$285.45 - over $90.45
Garden -$116.36 - under $78.64
Gifts -$278.70 - under $111.30
Donations -$134.80 - over $69.80
Medical -$1001.88 - over $91.88
Misc. - $125.00 -under $4.00
Personal -$930.11 - under $239.89
Totals -$5789.78 - under $1361.22

Because I have kept up with my excel budget I am still able to still post my annual summary.

Medical is only amounts not budgetted for or gap between my medical benefit and the outlay plus any other medical outlay not in budget.
Donations to medical / cancer and red cross appeals plus odd donations here and there.
Entertainment I have been buying some DVD's online and other outings over the year.
Eating out - My social life has picked up and venues are more expensive these days.

I will need to cut my expenses somewhat for 2016, as I am having some operations and the out pocket is in the 1000's I have save most of this money but will need to be replaced in the future to build my finances back to a healthy level again.

No Spending Days 167

All credit cards are up to dates and all bills paid.


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

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.
.
Strategy - Don't spend your forward bill money on trivia, it's been put aside for a purpose and to keep you stress free.