Home > Archive: July, 2012

Archive for July, 2012

This and that!

July 26th, 2012 at 08:37 am

The painter has been here a week now! One side of the house is done plus the garage so far. I only have paid him a minimum deposit. I will pay progress payments up to half of the full amount and balance on completion. Work done so far is very professional so no worry about stranded of the work.

I have bought a new camera which I hope to use in the near future at a friendís wedding. As for clothes I will borrow an outfit from a friend, who has more formal outfits than I have, we are almost the same size. My last one I bought was for my sonís wedding eleven years ago.

I am still reading my way through my list of new novels about two per week. So not spending so much time on my computer as before, I think I was over doing it at times.

Painter arrives today.

July 18th, 2012 at 07:47 pm

I finally found a house painter and he is starting work today. So I hope I will get a good job from him. There was a large different between quotes that I got so I took the middle one as it what I thought the job was worth and I could afford to pay. One quote was so high that $12000 plus more than the one I went with. All had the same work to do. When this is finished I will save up for a new kitchen next.

Update on My Monthly Financial Summery for Period 7 - 2012

July 12th, 2012 at 08:21 am

Itís time that I posted, before others things do get in the away again.

I only just updated my Excel so here are the figures for past month not posted so far.

This for Two periods of 28 days each as I looks like I missed one somewhere. 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 every near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

These are the categories for this challenge.
Items === Approx. Budget===Spent
Eating out===$35=====$32.60
Groceries===$125=== =$160.81
Clothes ====$35====$30
HH items===$40====$83.26
Fares== ====$15 ====$20.00
Entrainments== $15 ===$23.19
Garden =====$15
Gifts & Donations ==$35===$6.95
Medical & Diabetes Expenses ===$70
Misc ======$10======$5.00
Personal Allowance =$90 ===$136.29

Note only one amount is a no spend

Budgeted for this period $ 540 spent $539.29 so under budget by $0.71

No spending days 12 of 28 days

Personal allowance covers confectionery, lotto, books, stamps, craft & hobby supplies.

Eating out including meals out with family and friends, we all go Dutch.

As for Medical & Diabetes Expenses - this is the extra out of pockets amounts that came up over this period just on medicine that is not covered be refund claims.

My credit cards are still paid in full each month.

I did buy a new pressure cooker this period and come in under household (HH items) spending.

I do keep my bill money separated from this summery. This year I will be budgeting around $650 per period month to cover all my bills and for this period it came to $720.00

My grocery bill came in over budget for this period.
If any changes to my spending habits will need to come out of my daily living allowance categories of my budget as my bill categories are very tight now. I was very tight in some areas of this daily living allowance over this period but I did work out in the end.

Still need to work on a Grocery category.

Strategy: - Track your daily spending down to the cent by writing it down daily.

Cleaning out the garden sheds and getting ready for painters

July 4th, 2012 at 09:02 am

For someone that doesnít do a lot of gardening I have a lot of stuff that are garden items. What I have done will stop me buying items that I have already bought and need to be used up. I do gardening in waves when I have the energy to work on it. We have the right weather for gardening here! I just that I do it so rarely other than mowing the lawn it takes me so long to do the whole garden front and back.

I needed to get started on redoing the storage areas so that the painters can work in that area. The less I need to move later the better. I would like to just move just once when the painter arrive and not need a clean-up then. So anything not needed, I will dump now and other things stored in other areas. I have started working on the smallest storage area will work my way through all three areas over the next few weeks putting all the same items back together again. If I donít find what I need at the time I go and buy more and then when I have these clean-out I find have double of some stuff and none at all other items.

I finally got around to getting some quotes on my painting the outside. Still waiting for the last one to come in then will decide.

Strategy - Do remember what you have stored before you go and buy more of the same.