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Covid 19 and other things

May 3rd, 2021 at 11:19 pm

I have had my first AZ jab and 2nd one on June 29.

Everyone here over 50 is getting AZ covid 19 jab. If you don't want that one you will get another one at the end year after all the 18 - 49 have got theirs, I think that what will happen.

I have been in hospital for TIA  (mini stroke) for a week at end of March, we were in lockdown then for few days.  One of hospital near here had Covid19 in its ward twice.  The hospital that I was at was a private one and no covid19 there but everyone was wearing masks.  No visitors at all for anyone but the dying and carers. 

I have now sold my car and will go by taxi or bus from now on.  I needed to buy a new car and I'm likely to lose my yearly medical cerf. for driver's licence that I need here for over 75's. 

When i bought this car I said when I not replace it, it time. 

One way of s-t-r-e-t-c-h-i-n-g dollars further than before.

December 10th, 2020 at 10:04 pm

Paying bills advance and getting discounts for doing so!

Far, I have paid my Chiro for the next 12 visits with a saving 10% off per year than paying it monthly as well as getting a pensioner discount of 10% and I also get my medical fund rebate on top of that amount.    Normal price is around $66.00 per visit.   With all discounts and doing this way I’m only paying $20.50 per visit in the end around 30% of each visit.  I average 13 visits per year.

Just paid for another 10 visits for Diabetic Exercise Group Classes at $135.00, they have just increased their prices by $15.00 for 2021. But as I have bought it this year that will go into next years as well for at least 6 classes.  My medical fund rebate is $12.00 per class for 25 classes per year.   Plus, I get 8 free Diabetic classes per year as well from Medicare that’s sign off by my doctor.  Which means I will just pay price of $15.00 per class for only around 7 classes per year. As I do other things on some class days that I can’t make too!

Next major bill is medical fund which is in the thousands but will get my 35% loading back this year as I just finished my 10 years of paying extra because I am over 30 years when I joined the hospital fund (Gov. rule, it’s their tax rebate).  Which will mean a saving around $1826 for the year in 2021

With interest in the banks at the moment at a record low just above zero, it does pay to find ways of stretching your dollars where you can.

Strategy - Don’t spend your forward and refunds bill money on trivia, it’s being put aside for a purpose, it also makes next year’s bills easier to find and keeps you stress free.

Still Living Lean on a Pension

November 29th, 2020 at 07:05 am

2021 will be Living Lean year as I can and being on age pension.  My goal and challenge are Living Lean on a Pension.

I have no other extra income other than my pension, so I have to be as crafty as possible to make it my dollars s-t-r-e-t-c-h further than before. 

I do have a little amount put aside for rainy day. Which I use when I need to and pay this rainy day account back out of my saving I can find in my frugal living challenge and any saving I can make on getting low bills which of late are increasing instead.

I will try cut back on my food, entertainment areas and personal allowance.   I do better with challenges by focusing on certain areas than trying to do it over all challenge in all areas at once.

I will try to reduce my spending on what spend in the supermarket and on treats in personal allowance areas to start with.

Supermarket Spend Challenge - Try to spend less than half over the next few months. Review at end of March 2021

Normal amount allowed = $560.00 - Target $280 over 16 weeks starting on Friday next week. 

Note all my budgeting periods are 28 days in length.

Personal Allowance and Entertainment will try cut by 30% for now and go lower if I can do so.

.

So my motto will stand for another year or two.

Its real hard to come up with $1000 but it’s easy to find 1000 ways to save a dollar or two!

So let’s go and find those 1000 ways to save a dollar challenge and see what’s amount is at the end of 12 months.

Just replaced my stove again!

November 29th, 2020 at 07:00 am

I had to buy a new stand alone Stove this week, not because it was not working, just because the clock was not working and could not be fix for less than half the price of new stove and installed. I already had an electrician to check it out at $160 fee just to come out. It was 14 years old.  I will never buy a digital clock one again. Manual from now on.

I used it last night and cooked a roast chicken and roast vegetables.  Now for some baking soon!

Update

July 13th, 2016 at 09:33 am

Hi everyone
Just quick drop in again.
On the computer front that one I bought in February was a Lemon and was replaced when it ATE the DVD disk and end up in the back of the computer it was too risky to leave there for the warranty to run out. And it was just 3 months old.

It was replaced at no cost with a better one which turns out is a touch screen and double Gigabyte etc. But costed money to download all the programs as there was only Widow 10 on it with the amount data that was download that month. I only can have Mobile Broadband which is expensive here. Now I have a better deal with IP. So in the end I did win for now!

Strategy - Know what you are in title too!

3rd Monthly Financial Summery for 2015

April 18th, 2015 at 08:21 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 10:31 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 08:34 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.

This and That

February 15th, 2015 at 08:27 am

You will hear about if the opposition wins that for sure! They only hold 9 seats but not many are happy with the present one!

Guess what they won, we have a new state government after all this time it has been decided that opposition have won and can form government.

Tell the voters you are going to sell or lease the state assets and you will lose government that's the message everyone has got I hope this time. The premier was voted out of his sit, his party lost 37 sits in an 89 sit parliament now that tell them off. It finished off with 44 to 42 with 3 independents one which sided with the opposition to give them right to govern.

A No Spend Day here

S-t-r-e-t-c-h those Dollars even more

February 5th, 2015 at 11:06 pm

We had major hail storm in my area late last year; I am down for a new roof and a few other things that need to be replaced. The insurance company will pay up but only if I have some maintenance done on one part of the roof first. I have tried to get someone to do this work so that other jobs can be done. Out of the three companies that contacted only one came up with a quote and call here. I will go with this company now. It's over month now since I was told about the maintenance to be done and all were called that day. Now if there was no work then the quote most likely cheaper but with two major storms within two weeks and over million widows broken and over 50 suburbs in trouble from the hailstorm alone. Some houses still have boards over windows and will not be look at before end of March, as for getting a tradespersons that can do insurance work you are lucky if one is around before middle of 2016 for any other jobs.

The quote is under my maximum price but a bit on high side. I am looking at a bill for $3800. It's lucky I have my suppuration rainy account to fall back on but I must top it up again so I will be stretching those dollars a little bit more.

I am only keeping this house liveable but not at resale standard. So only maintenance jobs that I have to do will get done.

It's lucky that my car was not Hail damaged it was in the garage as all of them are being written off.

This and That

January 30th, 2015 at 10:28 am


Budget updated
A No Spend Day here

I do track my spending and no spending daily.

We are voting tomorrow for new State Government.

You will hear about if the opposition wins that for sure! They only hold 9 seats but not many are happy with the present one!
.
Strategy - Track your daily spending down to the cent by writing it down daily.

Living Lean on a Pension

January 27th, 2015 at 08:58 am

2015 will be Living Lean year as I can and being on age pension. My goal and challenge is Living Lean on a Pension.

I have no other extra income other than my pension, so I have to be as crafty as possible to make it my dollars s-t-r-e-t- c -h further than before.

I do have a little amount put aside for rainy day. Which I use when I need to and pay this rainy day account back out of my saving I can find in my frugal living challenge and any saving I can make on getting low bills which of late are increasing instead.

I will try cut back on my food, entertainment areas and personal allowance. I do better with challenges by focusing on certain areas than trying to do it over all challenge in all areas at once.

I will try to reduce my spending on what spend in the supermarket and on treats in personal allowance areas to start with.

I still wish to go on holidays this year, that about 4 months way. I will try to keep expenses down to minimum as I will be staying most nights with family.

Supermarket Spend Challenge - Try to spend less than half over the next 15 weeks.

Normal amount allowed = $472.00 - Target $230 over 15 weeks starting on Friday when my next monthly period starts. Note all my budgeting periods are 28 days in length.

Personal allowance and entertainment will try cut by 30% for now and go lower if I can do so.
.
So my motto will stand for another year or two.

It's real hard to come up with $1000 but it's easy to find 1000 ways to save a dollar or two!
So let's go and find those 1000 ways to save a dollar challenge and see what's amount is at the end of 12 months.