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Just visiting today

June 7th, 2017 at 01:47 am

I am still around but at the moment coming on here very often.

Just popped in to say hello!

All is well here, and back to feeding the cat next door for a month. Family is off to Sweden and England. Lucky them!

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.

1st Monthly Financial Summery for 2015

March 13th, 2015 at 01:34 pm

Here is my first Summery for January period.

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 January budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$31.00
Groceries===$125=== =$58.72
Non-Food===$15
Clothes ====$35
Grooming===$20
Gas======$20
HH items===$40======$12.80
Fares== ====$15 ======$20.00
Entrainments== $15 ====$20.00
Garden =====$15 ======$86.60
Gifts & Donations ==$35 ===$25.50
Medical & Diabetes Expenses ===$70====$18.20
Misc ======$10=========$4.00
Personal Allowance =$90 ===$70.59

Note only one amount is a No Spend

No Spending Days 13 of 28 days

Budgeted for this period $550 spent $347.41 under by $202.59 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 $390 this period.

Grocery allotment $125 for each period it was under by $66.28 this period.

Strategy - Don't believe all the advertising you see on TV or in the mail you didn't know you wanted it 15 minutes before you saw that advertisement.

Annual Budget Report for 2014

January 25th, 2015 at 09:00 pm

Annual Summary Daily Living Allowance parts of my budget for 2014

Here are my final totals for last year.

Eating out- $455---------- $393.65---------under target by $61.35
Groceries -$1625-----------$1213.41 ------under target by $411.59
Non-Food -$195------------ $59.42 ---------under target by $135.58
Clothes -$455---------------$401.96 --------under target by $53.04
Grooming -$260-------------$171.37-------under target by $23.63
Gas -$260------------------- $233.46------- -under target by $26.54
HH items -$520-------------- $558.10 ----- over target by $38.10 > Ninja + Curtains
Fares -$195-------------------$84.00 ------- under target by $111.00
Entrainment -$195-----------$368.95-------- over target by $176.95 > Camera
Garden-$195------------------$152.11-----------under target by $42.89
Gift & Donations -$455-------$250.34 ---------under target by $171.15
Medical & Diabetic-$910------$1755.84 -------over target by $845.84 > Dental + Medical
Misc. -$130----------------------$1.00 -----------under target by $129.00
Personal Allowance-$1170----$956.94 --------under target by $213.06

Daily Living Allowance allotted amount for 2014 was $7150 and I spent total $6697.04 under target by $452.96.
I will review some categories for 2015.

Even with being over in three categories, I still manage to come under my budget allotment for 2014.
This included new camera and major dental work excess plus updating my wardrobe this year.

This does give me the idea that I am subconsciously set myself amount to spend then holding back on some things if I think that I have to cut on my spending because I spent a lot more in one area that was needed like the medical with a lot of pocket expense or having major renovations done have to be a lean year with another lean year in 2015.

One thing this summery proves that averaging out over whole year is better than worry if you go over month as you can try to cut on other months.

Ok this Daily Living Allowance is the area that I will be working on to stretch and find any extra money I can. I also am looking at cutting back other on bills where I can.

So I will just track out of pocket medical, medicine and vitamins, glasses and diabetic section in this section of Daily Living Allowance. Allowing around extra $1500 for these items in next year tallies.
I do have major house maintenance to be done here for 2015 so I am looking at out of pocket bill of $5000. I will need to replace in capital deposit account over next year or so.

No Spending Days 163 of 365 days

So 2015 Challenge will be 'Living Lean on a Pension ?'

Strategy - Review your bills every six months 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.