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Final Review of my spending plan for six months of Bills!

February 28th, 2013 at 03:13 pm

I wrote about this in these blogs

http://tightwadkitty.savingadvice.com/2012/09/01/starting-ov...

http://tightwadkitty.savingadvice.com/2012/12/14/review-of-m...

Hereís a list of some things that was planned and how I went after the six months has pasted.

Only two things that I planned within this six month period are now held over until March -August period.
My chiro is not due until mid - March and fares for my trip to Adelaide $400 are still not booked yet!

Trips - Sydney wedding and visit to my sister later next year but fare need to be paid in this period. (both are interstate.) Estimate $2000

Estimate $1600 Sydney trip cost was $920 saved $680 here on estimate

Out of pocket dental that canít be put off. Estimate $2000 - Dental - $1915
saved $85 here on estimate

Car service that is well overdue so approx. $500
Paid $189 for car service card but still need pay for parts for major service? Had my car service done and tyre fixed $254 = total cost $443 so saved $57 here on estimate.

House & Car Insurance due (these were the ones that I was worried about) Estimate $2700
Both insurances came in $2145 saved $555 here on estimate

Rates and water bills, power, medical fund annual fee, phone & internet fees, car rego. Approx. $5500
- Totals $4305 saved $1195 here on estimate

Over all I did estimated for around about $12,300 with my Age Pension over this time frame under $10,000 so where did I end up with my over estimates and removing air fare to Adelaide from the list.

September to February Bills
Item ====Estimate =====Cost ====Saved

Wedding - $1600 =====$920 ==== $680
Dental --- $2000 =======$1915====$85
Car service ---$500 =====$443=====$57
Insurances---$2700=====$2145====$555
General bills $5500======$4305 ===$1195
Totals ====$12300=====$9728====$2572

All bills are paid in full with credit on Credit Cards.

Daily Living expenses outside these bills came to $2547 for this period which had to come from savings.

To think I will need to do this all again at the end of the year but less the dentist bill this time.
Planned expenses for next six month estimates is a work progress.

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

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 canít change the company.

Strategy - Put in writing what you are worried about and see the figures then work out an action plan.

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.

Review of my spending plan for Bills!

December 14th, 2012 at 01:51 am

I wrote about this in this blog http://tightwadkitty.savingadvice.com/2012/09/01/starting-ov...

Hereís a list of some things that was planned and how I went so far four months in.

Trips - Sydney wedding and visit to my sister later next year but fare need to be paid in this period. (both are interstate.) Estimate $2000
Still waiting to book air fares for June visit to my sister so only air fares will come in this six spending plan not the holiday expenses. Sydney trip cost was $920

Out of pocket dental that canít be put off. Estimate $2000
Dental - I paid the first out of pocket bill today - $1375and second bill should be $540 = $1915

Car service that is well overdue so approx. $500
Paid $189 for car service card but still need pay for parts for major service? I will have this done mid- January.

Rates and water bills, power, medical fund annual fee, phone & internet fees, car rego. Approx. $5500
So far I paid medical fund annual fee $2320, first rates and water bills $456 car rego $515, first power $53 = $3344 with and will have extra Chiro Bill coming of $560 in February that not on this list. Another rates and water bills $456 and power $65 to come yet! = $521
Phone and internet will be around $500 for 6 months. I have reduced this cost by $30 per month.

House & Car Insurance due (these are the ones that I am worried about) Estimate $2700 but could be more.

Planned expenses for next six month estimated about $12,700
Age Pension over this time frame under $10,000


So living expenses will be almost nil for next few months, itís lucky that I do have savings to fall back on if I need too! I will try not to spend too much of it though.

By estimates I am within reach of the target but still living off my savings for Living day to day expenses. So far I have shaved off $2070 off the original total with around $650 will need to come out savings also!

I will have a few months to recoup this money before the next around of large bills. I am still a little worried about that House insurance bill coming in February or early March as some households have gone through the roof by thousands.

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 canít change the company.

Car Service VIP Card

December 12th, 2012 at 08:06 am

The other day I got a door to door salesperson drop by here. He was selling Car Service VIP Cards for local garage. As I am in need of a major car service in the New Year past, I thought I buy one as the price was cost of this service only, the deal is I donít pay for labour but I do pay for all parts.

As my car has very low mileage and is now 8 years old. My car hasnít had a major or minor service for almost two years now so itís long overdue for one. I may need most of jobs on offer as there are 2 minor services plus heaps other little jobs that can be done.

The card cost $189 with $1009 man hoursí worth of jobs to be done over next 18 months. I am allowed to have three jobs each time off the VIP card.

It should be interesting to track whether I get good service or not with this deal and how much extras parts will cost etc. I know I may need a new tyre for a start.

Last time I had one of these VIP cards years ago, I stayed with that garage until I sold that car six years ago and got this one.

New Glasses and Christmas Shopping

December 5th, 2012 at 02:35 am

I had a spending spree of sorts today I had to order some new glasses at certain shopping centre as my optical store closed down and the staff move elsewhere. I paid for them via cash and medical benefit refund they cost $179, I will pick them up in the New Year as I am in no hurry for them. I get a new pair each year so I have enough pairs around the house. I handed in 5 old pairs of glasses so they can be recycled for those who canít afford them in poorer counties. Itís a system that optical store do here.

While I was out I posted a Christmas parcel then did my grocery shopping for the things that were on special that I wanted for December. After having Subway sub and coffee I went to find some Christmas ideas and presents for last few on my list. I got a comfort and toiletries gift for one person which I thought I was paying full price for but it was on special as was the other gift that I bought for the other person which was grocery hamper and both of them had 20% off, I was happy about that!

Also I bought tins of biscuits and candy for other gifts as shocking fillers or extra gifts.

I had a very long walk today so my exercise of walking took hours today. Medical research is now telling us Ďwe are sitting too long now these days and this not good for our healthí. Well I walked and stood for over 5 hours around this shopping centre today. I struck at it until I got all on my list finished so I wouldnít have to go again to the shops as the school children finish up this Friday for their annual summer holidays. No parking or very little park in shopping centres after this date or at least none in the shade at 39 degrees C. I was very tried by the time I got back to car to drive home.

I will only shop locally from now on until they go back to school.

Carbon Tax and price rises

November 21st, 2012 at 01:28 pm

Carbon tax is making some bills like Rates and water go up of late, I think next Power bill will be higher too!

Revamped my internet plan today as this bill was getting to high, it jumped in price by $20.00 this month so I change it to another plan saving $30.00 but I can get a higher G plan if I need too!

Another thunder storm is forecast for Thursday so we will wait to see if it does arrive.

No spending days here + recipe

October 7th, 2012 at 01:38 am

I haven't not been near the shops for over 5 days now! I will need to go tomorrow thorough with my friend but I am hoping not to spend at all.

I had some free pizza given to me today as my friend decided to have pizza for lunch. When she does this she buys 3 of them, one to share with me for lunch, one for her freezer and one for my freezer too! I put this pizza into Gladwrap with 2 pieces at time then freeze I do get 4 lunches out of this.

I think she is lonely and tries not to cook in hot weather as it was 35C today here and no rain.
I do other things for her so it's her way of paying me back I think.

Here is another Vegetarian recipe that I found.

Sri Lankan Vegetable Curry

Mix together in large saucepan
1 cup coconut cream
3 cups vegetable stock
10 curry leaves
1 -2 stalks lemongrass
1 cinnamon stick

Boil up for a few minutes then simmer and add -
1 tbsp curry powder
1/4 tbsp turmeric

Simmer and stir for approx. 10 minutes.
Chop up bigger chunks
1-2 carrots
6-8 small chat potatoes

Add cook 15 minutes then add-
2 chopped zucchinis
Cook another minute.
Then add in
1/2 cup frozen peas
1/2 cup cashew nuts
2-3 tbsp coriander
lime juice to taste.

Cook further 2 minutes.
Serve with boiled rice.