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Archive for April, 2007

Lunch Out

April 30th, 2007 at 02:12 am

Today I need to get some pet food & cat litter so as had to drive the car. So I went to Hungry Jack’s for lunch seeing that they had two for one deal vouchers on their Spicy Baguettes, I bought that and got single cone and 2 Free cappuccinos with my senior card. Saving $9.75 adding $4.90 to $20 challenges.

While at the grocery store I found some can pineapple chunks on clearance trolley with a good shelf life. At 40c a can instead of $1.73, so I bought 4 for my bulk assets pile. Saving $5.32 here.

Opening $20 challenge $20.00
Today’s Senior Card Savings - $4.90
Total $20 Challenge $24.90


Free Water Diverter

April 29th, 2007 at 03:53 am

Today the son of another neighbor that I keep an eye on from time to time. Came over and put water diverter on drainpipe for my washing machine water, he is a plumber for free. Now I can use my grey water hose, as it never fitted before to my machine. It’s a little slow, but I can now put my soapy water straight on the lawn near the fruit trees.

Week before he went on holidays interstate and left his mother alone with his teenager son the only contract here. So each day I had to check on her to make sure that she was ok. As she has had a fall before and was on the floor for over 12 hours so everyone was a little nervous about her at 87.

Weekly Main Meal Menu

Sunday ~ Poached Fish with Marinated Pepper & Steamed Green Beans Topped w’ Chilli Sauce
Monday ~ Devilled Sausages & Mashed Potato
Tuesday ~ Beans Rissoles & Salad
Wednesday ~ Thai Satay Chicken with Steamed Rice & Green tea
Thursday ~ Beef Bourguignon with Basmati rice
Friday ~ Pasta with Pasta Sauce & Tuna
Saturday ~ Curry Ground Beef & Rice with Sambal

Another No spending day

New Beginning, A New Style

April 28th, 2007 at 11:29 am

As I have finish my Mirror Image Challenge and now it’s time for a new style format and challenges.

As the Major Projects are still on going and I need to find the money for these without taking any money from capital investments as there is not enough money invested for me to live into the future only a few just years not a lifetime. (Lifetime = 30 years more plus) I do need to get the compound interest working on this when I don’t have even six digits in my investments to last a lifetime. So I plan not to touch it and try to live without it for next few years if possible. Without any income (other than my pension) and keeping my house livable on my pension is my goal for now. - Major Project reports

$20 Challenge on Senior Card Discounts and loose change.
I am hoping to bank my entire Senior Card Discounts amount but not Government Pensioner Rebates that I get. Along with any loose changes that I get in the way of 5c –50c coins. ING –EF - $20 Challenge.

Adding to my EF –ING online account updating progress on this. - Money banked.

What I am keeping from last year’s format.
$$$ Strategy & useful tips found.
In the last 28 days
Bi-monthly Goals & Planning Ahead
Monthly Summary of how I am going (I may change the timing on this one) - Bill & Budget.
Weekly menu with Grocery Challenge on using my stockpile up. - All Food /Bulk Assets
Recipes from time to time. - Recipe
My Garden & Our Water Problems – Garden / $Saving on Utilities
Whatever – Small Stuff Challenge
Frugal Memories

I may not post everyday from now on but will still post a few times per week.

I’ll also add this post to my pages.

It’s another No spending day here.

Today is my blogoversary. 28 April 2007

What is the true value of my lifestyle now ?

April 27th, 2007 at 11:40 am


Finally the answer to my question in my first post.

Just twelve months ago I started this blog asking myself a question that I been wondering about for sometime. My Question was this “What is the true value of my lifestyle now that I am living on a pension?” and still living within my means.

As I have never included my other saving accounts in this challenge only what was money banked into them. The main aim of this challenge was to write a daily account of my life style and living solely on my pension and cash reserves (by this I mean any money that I get within the hour) without going into to my investments. I did start with a small emergency fund as a back up and two credit cards at zero balance and no debt.

After crunching the numbers, I am better off than I was when I started this challenge with the door finished and adding $6000 to the value of my home. I am still debt free as I have the money there to pay any money that I owe when due!

My motto for this challenge.

“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.

So here are the numbers to this question.

I’ve crunched My Challenge numbers. I spent an average of $498.75 a pay, on living expenses, including the major project –Door, over the year after savings but I don’t pay any tax. My Credit Card is balanced now $55.00 in the No % period.

At the end of 365 days these are the totals showing up. That if I was the one who paid original full price for everything that I use, ate or bought in that year, my income would need to be around $24149 and not $13312 that I get in the way of my pension plus some cash gifts and interest.

Here are few numbers to look at.

Pension Income $13312.00
Cash gifts & Interest $1050.00
Banking in $2020.00 & out $1400.00
Major project $1690.00
Money Left $881.00 + Water Tank Money $1540.00
Senior % $3423.49
Other % $8045.38

To recap
My Real Spending Total : $12968.04
+ 2006 - 2007 Total $-t-r-e-t-c-h Savings Tally: $11469.07
= Full Price (RRP) Income Challenge: $24149.11

So that’s a saving of 47.5% on RRP & Senior Discounts savings overall. ($11469)
My senior discount ratio 30% other savings 70%.

Looking at savings and senior discount numbers

Total Savings at following weeks.
4th wk $1343.50
8th wk $2826.02
12th wk $3427.84
16th wk $4590.28
20th wk $5814.26
24th wk $6645.21
28th wk $7521.90
32nd wk $8304.36
36th wk $8886.27
40th wk $9629.66
44th wk $10,018.97
48th wk $10,473.01
52nd wk $11469.07

Senior Card Discount & Senior Rebate Amounts

Rates ___________ $855.00
Car _____________ $322.28
Insurance 55over_ $125.00
Coffee free ______$92.10
Lunch ___________ $79.31
Medical _________ $1309.80
Dr_______________ $180.00
Power ___________ $120.00
Phone ___________ $120.00
Fares ___________ $58.00
Free Cheque______ $96.00
No Bank fees_____ $60.00
Movies __________ $6.00
________________= $3423.49

Power of senior card & senior pension discount rebates is averaging out around $3500 or more if I used the State Travel Voucher once this year on what I have done over past 12 months. Much more senior card discounts are available that I didn’t use 5 – 20% off different things for just showing your senior card.

This the text from 'The Answer to my Question'

End of the Mirror Image Challenge

April 27th, 2007 at 02:11 am

Just twelve months ago I started this blog asking myself a question that I been wondering about for sometime. My Question was this “What is the true value of my lifestyle now that I am living on a pension?” and still living within my means.

I have posted my summery of this Mirror Image Challenge in Pages.

The Answer to My Question

It’s Another No spending day

In the last 28 days I have

April 27th, 2007 at 01:26 am

Gone shopping or bought something. 10 times

Went to the city by bus. 2 times

Drove my car only. 6 times

Had bought food or had for free away from home. 5 times

And had 16 No Spending Days.

Lets see what next 28 days tallies will be with a new beginning?

52nd week’s Summary & end of this $$$ Stretching Challenge

April 27th, 2007 at 01:22 am

Challenge at 52nd week and end of this $$$ Stretching challenge.

Kitty’s Real Spending Total $12968.04
+ 2007 Total $-t-r-e-t-c-h Savings Tally $11469.07
= Full Price (RRP) Income Challenge $24149.11

Opening CC Balance $317.00 (In % free days period)
Kitty’s Opening Balance Rollover $648.00 ($265 Bill A/C)
$$$Money in - $1212.00
= Total Income Balance. $1860.00
Bills Total $339.00 + 262.00 CC = $601.00
Other Spending & Groceries $239.61
$$$ Money out = $840.61
Cash Banked in other A/C’s $138.00
Kitty’s Rollover Balance $ 881.39 ($400 Bill A/C*)
CC Balance $55.00 (No % free days period & to be paid next shopping day)
Major project bills outstanding = $360*

* (To be paid when my friend returns from a NZ holiday.)

Last day of the Mirror Image Challenge

April 26th, 2007 at 01:05 am

Well it’s the last day of this Mirror Image Challenge, keeping up with the tally sheets and doing all the Maths did take sometime and at times days. Especially when you find after 28th weeks that the numbers are out by around 1000 dollars because you were adding in the wrong column into the totals at times and had to do the figures again and then go and fix it in the blog. Until I made up templates, it did take time to work it out and to keep it going for whole year. But it was worth it in the end, as now I do know that I can save money on what I am doing and where I am saving it. I will do a summery of my senior card discounts and pension rebate discounts and give you all and idea what different if I didn’t have this extra.

Some of our pensions here aren’t allow these discounts. So not all get them, our Age & Disability Support Pensions do but the others don’t to my knowledge, depending on the age of the person (60 plus) with different rates for couples than singles but with all pensions and allowances do get Pharmaceutical Allowance and some other benefits. All my figures were for a single household on Full Age or Disability Support Pension and in 60 plus group.

BREAKFAST Muesli & Milk Coffee
LUNCH Turkish Bread with Hummus Lettuce Tuna Marinated Feta with Marinated Peppers
DINNER Poached Fish with Salad Coffee

Another No spending day

ANZAC DAY

April 25th, 2007 at 01:19 am

Today is the day that we as a nation, remember our soldiers who fort and lost their lives for us making our nation the spirit it’s today. Every soldier tries to live up to that spirit and courage of those who lost their lives today on the morning of the 25th April, the date of the original landing of Australian troops at Gallipoli (Turkey) in 1915 and all wars and actions since. With dawn service here at 4.29am in heart of our cities which thousands go too then stay to watch the match at 10am in the streets or watch it on TV. I listen to radio this morning for the dawn service from Canberra War Memorial. Some of you may ask what does ANZAC stand for Australian New Zealand Army Corps. Have a look at the movie Gallipoli if would like to know more.

Less we forget

Text is about ANZAC DAY and Link is http://en.wikipedia.org/wiki/ANZAC_Day
about ANZAC DAY


Another No spending day

Busy and Expensive Day

April 24th, 2007 at 01:45 am

Today DS ask me if I would drive to pick him up as he had to put one of they car’s in for a service then drive him to his house. So I end up at his local shopping centre for the day. I did make a day of it too! I did some shopping at the Aldi not much as I didn’t need a lot of things. Spending only $14.70

Then visited the thrift shop and bought a few cooking magazines & one cookbook signed by the author too! All for $3.00, saving on RRP about $31.70 here.

I bought lunch at the Chinese Restaurant as they have a great lunch time deal for $9.50. Two courses & soft drink dine in. My favorite Chicken & Corn Soup (reg. $4.50), Sweet & Sour Chicken with Fried Rice (I would haven’t this one again there). I try something else next time. (reg. lunch $7.00) Diet Coke $2.00 saving $4.00 here. *

While out I filled my tank with gas spend $23.64 saving $2.16 using 4c off voucher but did save much more as the price went up by 11c litre next day.

This afternoon DF-D rang to say that she got the fish we talked about yesterday. One of the bulk butcher had special on Pacific Dory for $25.00, I said I that I would like some as my cats & I have run out of fish for poaching. As she knows the owner she rang and asked for them to keep a few boxes for her. Frozen so we could put back into our freezer ASAP. We got 35 – 37 pieces each per box. Each box is 5kg. So I got 17 meals for myself & 18 meals for my spoilt cats. Her old cat loves it when we do this, as he will eat it raw mine like it poached. On a box of fish, I saved $19.75 on supermarket price.

BREAKFAST Muesli & Milk Coffee
LUNCH Lunch out *
DINNER Poached Fish with Chilli Sauce. Coffee

Today’s Full price Tally $98.75
Today’s Savings - $ 57.61
2007 Total $-t-r-e-t-c-h Savings Tally $11469.07

A Antique store closing down sale.

April 23rd, 2007 at 01:53 am

I end up buying three wrought iron patio chairs that need a little TLC. Rose style for $30.00 all up, I did look up the price new about $79.00 each. Four new wrought iron patio chairs in a rose design with a table in England was price at 399 pounds, that’s about $1000 here.

DF.- D bought a top of glass bookcase that she will put on top of cupboard that as already own. This is the third one she had bought in the last few weeks. Her house is an early 20th century style that has this kind of furniture in it, she love a bargain so will buy something she likes and can use for the right price. I went to pay for a book that I found in this store and was given it for Free. Yes, it’s a cookbook ‘Esquire Cookbook’ (1956). Its making very interesting reading as it’s written for men. I did buy one other item today a 12-inch high Arab boy figurine with a tray on his head for $10.00. I don’t think it’s antique for one moment (more like reproduction) but in that style and I like it. Costing $10.00. I think the value would be around $50.00 – $100.00 as that is what we are paying stuff like that here. The quality finishing on it is like more expensive pieces that I have seen.

I did Phoned about tank installing date today. It’s now around the early May before they can install it at my place. I will not pay anyone until it has been installed on my property. The people that have supplied the tank have sent an invoice but I will not pay this until I got my tank. They don’t know that I haven’t received the tank yet! If I get a reminder letter then I will phone them because then I will know that other two companies involved (deliver & installer) have not done they job.

Today’s Full price Tally $287.00
Today’s Savings - $247.00
2007 Total $-t-r-e-t-c-h Savings Tally $11411.46