I wrote about this in these blogs
Review of my spending plan for Bills!
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
General bills $5500======$4305 ===$1195
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.