This fortnight my budget balanced and is on track. I finished this time with a balance of $188.00 cash surplus, I have open an online account with $100.00 of this money and too rollover the balance to my next pension fortnight.

I have only the monthly phone bill to pay this time. The balance will go on to pay the CC which has all bills on it. I allot certain amount of my pension to bills each pension payday, this is rollover method that I use. As long as I don�t use it for other things or lend it to other people because they have over spent. It works for me. I use the CC as buffer, as at times, the bills can be due a few days before the next pension payday. Which is the case this time.

How long can I go before I withdraw out of my Bill & EF saving account? I am aiming for August if I buy a new lawn mower or November when all my large bills are due at the moment. To make this work I have to bank $40.00 into that account each month and not withdraw any money. It�s my version of the saving game. Any surplus savings will now be going to the online account at end of each month.

BREAKFAST Muesli & Milk Coffee 45c
LUNCH Crackers with Cheese & Mustard Pickle Relish Apple Coffee 40c
DINNER Poach Fish & Vegetables � $2.50

Bulk Food Replacement Fund - $71.50