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Seventh Monthly Financial Summery for 2013

August 26th, 2013 at 01:50 am

Here is my Financial Summery for June - July period.

I have updated my Excel so here are the figures for last month.

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

This is my first review for last month's budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$34.05
Groceries===$125=== =$105.74
Non-Food===$15 ====$4.60
Clothes ====$35=====$2.00
Grooming===$20
Gas======$20
HH items===$40=======$3.00
Fares== ====$15 ====$10
Entrainments== $15
Garden =====$15
Gifts & Donations ==$35 ====$2.00
Medical & Diabetes Expenses ===$70====$146.60
Misc ======$10
Personal Allowance =$90 ===$63.95

Note only one amount is a No Spend

Budgeted for this period $550 spent $371.74 under by $178.26

No Spending Days 13 of 28 days

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 $480.00
Grocery allotment $125 for each period under by $19.26 this period

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

More FREE food and tomato relish with a kick.

May 12th, 2013 at 01:10 pm

I have been living off my Greek food for most of the week but I couldn't eat the Easter bread fast enough so I had to bin it. Most of it I froze as I was given more spinach pie I now will have lunch for a few weeks. I have been putting on my new relish them.

I made tomato relish this week and will give away some of that as it's too much for me to eat within the time frame, as I can't eat a lot of it. 3 tablespoons of one lot had me going for ECG. As I took a turn going to the doctor's app. for annual check-up. Looking back it was the tomato relish as my blood pressure and ECG were ok! I had a feast on the tomato relish for 3 days and one has all the things I was food indolence (allergies) years ago. Tomatoes, onions, capsicum, and chilli since I haven't had any for the rest of the week I am ok. No weakness in limbs, chest pains, muscles pains, tiredness, back in pain and neck. I only had tomato sauce last night ok today.

So I will go back to my 5 day rotation of these foods again, see if I am off colour again next time, I eat it.

Here is the recipe.
Tomato Relish with Chilli
1lb ripe skinned tomatoes and chopped
1lb onions - finely chopped
1/2 red Capsicum - deseed and diced
1 long red chilli - deseed and diced or 1 tsp chilli powder or to taste
1 cup sugar
1 cup vinegar - malt vinegar used
2 tsp salt
4 tsp yellow mustard seeds or mustard powder
4 tsp curry powder
6 heaped tsp of tomato paste (optional)*
4 tsp Cornflour (for thickening) and little vinegar or plain flour and little water
Method
Chop tomatoes, onions capsicum and chilli.
Put all ingredients in saucepan and boil for 30 minutes or until texture looks right and you can smell the spices.

*Add tomato paste when you can smell the spices and cook for few minute longer then add cornflour.
Thicken with 4 teaspoons cornflour blended with a little vinegar.
Into a Sterilise Bottles and keep airtight.
3-4 small jars

'Favourite Recipes' Old Charity Cookbook circa - pre 1982- AUS Pre-metric recipe

As we are 4 teaspoons to 1 tablespoon here, I will make the whole recipe into teaspoons. In cups use 8oz cup (227.28ml) - Our cups now are 250ml.

Third Monthly Financial Summery for 2013

April 10th, 2013 at 08:51 am

As I am behind in my posting here is my Financial Summery for March - April period

I have updated my Excel so here are the figures for last month.

This for period of 28 days each as I looks like I missed one somewhere. 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 every near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

This is my first review for last monthÔŅĹs budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$4.00
Groceries===$125=== =$176.17
Non-Food===$15=====$23.12
Clothes ====$35
Grooming===$20
Gas======$20=======$18.80
HH items===$40
Fares== ====$15 ====$12
Entrainments== $15
Garden =====$15========$65.00
Gifts & Donations ==$35
Medical & Diabetes Expenses ===$70====$125.00
Misc ======$10
Personal Allowance =$90 ===$41.21

Note only one amount is a No Spend

Budgeted for this period $550 spent $467.70 under by $82.30

No Spending Days 14 of 28 days

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

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

As for Medical and Diabetes Expenses - this is the extra out of pockets amounts that came up over this period just on medicine that is not covered be refund claims.

My credit cards are still paid in full each month, it was $32.00

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

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

Second Monthly Financial Summery for 2013

April 6th, 2013 at 11:35 pm

Itís time that I posted, this Financial Summery as I almost ready to post my third one.

I have updated my Excel so here are the figures for February - March period.

This for period of 28 days each as I looks like I missed one somewhere. 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 every near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

This is my second review for last monthís budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$21.55
Groceries===$125=== =$79.78
Non-Food===$15=====$7.96
Clothes ====$35
Grooming===$20=====$22.00
Gas======$20
HH items===$40=======$4.95
Fares== ====$15 ====$4.76
Entrainments== $15
Garden =====$15
Gifts and Donations ==$35
Medical & Diabetes Expenses ===$70====$38.50
Misc ======$10
Personal Allowance =$90 ===$54.15

Note only one amount is a No Spend

Budgeted for this period $550 spent $ 233.65 under by $316.35

No Spending Days 12 of 28 days

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

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

As for Medical and Diabetes Expenses - this is the extra out of pockets amounts that came up over this period just on medicine that is not covered be refund claims.

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

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

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.

Answers on utility and health insurance costs

February 25th, 2013 at 02:19 am

I will try to answer these questions to my understanding of them.

Do ĎOur governments have ultimate control of utility and health insurance costs?í

Answer to this question NO to ultimate control and YES to some say in control of utility and health insurance costs?

We have three levels of government here. The Federal, State and Local councils as Federal government has input into these utility and health in some way by owing or rebates. They do have some say and can veto price rises but do allow some price rises once per year April for health and July for power. If there no request for higher price rise then does rise by level with the CPI which is around 3%. Of late each group is asking for higher price rises so governments have make the call as they do put money into these areas with rebates and owing the grids and power stations etc. Itís the same with water too!

Power grid in some States that they let the power stations rundown that money had to be found so Federal Government step in but has to be paid back.

The state governmentís own the power stations and grids but the suppliers buy it off the governments sell it to us. Once it was all own by the state governments but sold it off now they fix the lines if broken with all these weather events and bush fires itís costing a fortune. So 50% of the price rise is government inter-structure costs and they set the prices so each power retailers can work out pricing for next year. At first they wanted to up to 500% within five years.

Electric here costs slightly over .09 kWh, what is the rate there?

As for our tariffs we pay much more than you do. Most likely a different system, these prices are off the last bill and not the new ones which come due in July 2013.

Service to property charge (No days) 88 days @ 28.91c , anytime power 26.71c per kWh, off peck rate 22c per kWh (hot water power use to run it), solar power rebate 44c per kWh which is credit off bill.

On top of this I get a pension rebate from state government around $50.51 each quarter. Plus a 9% discount if I pay my bill before the due date. With interest rates at below 3.5% for the best online ones it better to pay before every time.

My usage and costs paid after all discount and rebates for last year

Bill for Dec $52.18 - Days 88 - Anytime 506 kWh - Off peak 9 kWh - Solar rebate 125 kWh
Bill for Sep $84.78 Ė Days 86 - Anytime 551 kWh - Off peak 95 kWh - Solar rebate 59 kWh
Bill for Jun $68.17 - Days 92 - Anytime 635 kWh - Off peak 16 kWh - Solar rebate 92 kWh
Bill for Dec $71.14 - Days 90 - Anytime 672 kWh - Off peak 5 kWh - Solar rebate 102 kWh

So if I allow around $30 per quarter I should have money left over for surprises.

Only in winter or wet weather do my solar panels cost charges hot water higher and power lower. I do only have one kWh x 6 panels unit and 2 panels x 400L hot water unit.

ĎIs your chiro not included under the other health cover?í

Health Chiro costs is covered by health insurance but only to $232.80 per year. I paid annual fee for 12 visits at pensioner rates get 10% off the single fee charged for doing so but only can claim single rebate after each visit. Now you canít get that interest from any bank for 10% so as I budget for it so I pay in advance. Only down side would be if I had to stop going then I would need to pay a cancelation fee.

My idea is to s-t-r-e-t-c-h my money so by paying early where I can to get rebates and discount or not incurring fines for paying late then I am saving on the overall costs in the end.

Itís better off in your pocket than theirs.

First Monthly Financial Summery for 2013

February 11th, 2013 at 01:12 am

Itís time that I posted, this Financial Summery for 2013.

I have updated my Excel so here are the figures for past month.

This for period of 28 days each as I looks like I missed one somewhere. 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 every near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

This is my first review for last monthís budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$35.20
Groceries===$125=== =$50.67
Non-Food===$15=====$2.00
Clothes ====$35
Grooming===$20
Gas======$20
HH items===$40=======$203
Fares== ====$15 ====$10
Entrainments== $15
Garden =====$15========$9.00
Gifts & Donations ==$35
Medical & Diabetes Expenses ===$70====$44.14
Misc ======$10
Personal Allowance =$90 ===$72.26

Note only one amount is a No Spend

Budgeted for this period $550 spent $ 426.27 under by $123.73

No Spending Days 14 of 28 days

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 & Diabetes Expenses - this is the extra out of pockets amounts that came up over this period just on medicine that is not covered be refund claims.

My credit cards are still paid in full each month, it was $240

The high cost in the Household was for an electrician to fix my solar hot water element. $203

I do keep my bill money separated from this summery. This year I will be budgeting around $750 per period month to cover all my bills and bills for this period it came to $1313.47 part of this was Car major service$ 254.00

My grocery bill came in under budget for this period.
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. I was very tight in some areas of this daily living allowance over this period but I did work out in the end.

Still need to work on a Grocery category and personal allowance as I got to stop spending money on books, I think this is my biggest downfall most of my personal spending is spent on books as half of it was spent on books.

How am I going with my finances in 2013, up and down once I get over paying all my major bills for this half year, I have about little over $1000 for next month then itís back to saving for next few month until I need to pay these annual bills again.

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

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


Last Two Days

January 10th, 2013 at 01:23 am

The trip to the dentist end up being a bit of a drama as I couldnít get my car to start, I had a flat battery, and had to get the car membership club to come and jump start it for me. I had rung the dentist to let them know that I wouldnít be able to keep my appointment that morning so they made it for the afternoon. After mechanic came I had to drive the car for a long drive without turning off the engine for over 40 minutes. So I took the car off for a good drive instead of going to the dentist. I had nowhere in mind to drive too, but just took off down one highway that went the back way heading for the Gold Coast and drove for 20 km along then took next return off and headed down another cross country road heading for area I thought would take me near my sonís suburb well it did but I found a sign saying City so I took that one. It end up on a new road heading for the road that I would got back onto if I went via my sonís place. They have been doing a lot of road works in this area over the past two years so I am not surprise at finding it.

I did around trip of 42 km in all and got home 60 minutes later. Then I had lunch and a bit of rest and went to the Dentist in afternoon another drive into same area but one road over from the one I took in the morning. I paid the balance on my dentist bill which came to out of pocket $540.00. I didnít spend on any else that day. At the end of the day after the engine cooled down, I put the battery charger on so I could recharge it overnight.

Today I went to the Chiro for my monthly appointment, and then just bought a Dan Brown book ĎSymbolsí it the picture one and some tissues as I was low on them. Also I went to find out about my house insurance but still they will not say how much it will be for next year as I have to wait until the end of the month. I know that itís gone up a lot that why I am worried about it. Somewhere between 30% and 500% which I canít afford if itís the later then I will only have days to find someone else as I may be unable to look owing to another commitment around this time. I keep you posted on this