It’s time to review my Frugal Challenge Year at the half way point.
I did use all my gift vouchers that I had received over past six month, even using one for part payment for my new stove & oven that I bought last month and paying the balance in Cash.

My credit cards are still at Zero balance but for the debit amount which is paid off each month.

My survival kit & resources are coming along nicely, only a few items needed to buy now. I will be able to stay out of the supermarkets if there is a food crisis in my area at anytime in the future. May go to the camping stores instead for extra items that I don’t want to stock to much of for now.

All bills are paid and up to date. I am able to go out when I like to as I have put money away for such outings.

Food and Gas prices have risen over the past six months but I am still able to manage as I have stockpiled some food items because of that I’m now living off last years prices and will only replace if I find a real bargain in that line only. I can afford to wait awhile!

As for Gas, I only drive on a need bases and limit the distance that I’m driving. Each time the gas is low in my area, I will fill up if I need too! But again I can afford to wait to see if the price does go down too! By shopping locally and keeping my driving to under a 50km around trips and staying off the troll ways this is helping with my budget, as time is not a factor for me.

Today I found UHT Milk that was markdown with a few months still before best before date. I bought the 4 cartons there @ .50 each and being organic they were around $2.15 RRP each. There were some soy milk also but I did buy it as I’m not great lover of soy milk. I will keep some of this milk in stock so I have milk if we have a problem with our water supply at anytime. I can use about one carton per week normally so when they get to near use by date I work them into my normal week supply and replace with fresh supply. I bought my cat some more cat litter as I do need to stockpile more for them too! Prices are going up fast here, so it will be cushion against prices rises as well having more in the cupboards.

Weekly Main Meal Menu

Sunday ~ Roast Chicken & Vegetables
Monday ~ Stir Fry Beef with Rice
Tuesday ~ Beans & Rice with Vegetables
Wednesday ~ Apricot Chicken with rice
Thursday ~ Grilled Sausages with Onions & Grilled Tomato
Friday ~ Pasta with Tuna & Tomato Sauce
Saturday ~ Leftovers

With the way the economies of the world these days, with shares, banking, peck oil & shortages of some food items. I do think it time for me to start stockpiling more food & other supplies. Things are only going to rise and almost never will come back down in price. My starting point is reviewing what I have already got stockpiled. Then filling the gaps first, using any old or nearly old stock replacing them with new items that I will use and can cook without power if there is a shortage in electricity here. I’m looking into different ways of cooking so I can cook if there is rationing of the power grid. I do believe that is may be happing some parts of the world now. Solar cooker, hay box, camp gas stove & BBQ non-gas one, two of these methods I have already have. Food lines can be used in my normal cooking until needed but keeping them to a peak level when each comes on special in they cycles. They are many places now on the internet telling you how much you need to store per person. As I am in a single household I will be only storing for two, mostly things that other people will not to want to make from scratch too! Dried & canned beans, dried & canned vegetables, mainly canned tomatoes, and other foodstuffs, oil & vinegars, spices & herbs, coffee & tea, water plus paper goods and good first aid kit enough for a few months at least. Torches & radio with batteries, to name a few things I’m thinking of. Another thing is the information of how to use these foodstuffs using these cooking methods and how to make things & repairs them to last longer.

Well it was time to get onto the computer and update my grocery inventory so far. I have 9 pages of stuff, how did I get so much. Little here and little there I think is the answer, when something is on a good special or it’s mark down to below cost like our local small supermarket does is the answer to all this stuff. Now I will have find away to use up too! Most of it can be still used past it before date. All I have bought in the past two weeks is pet food, eggs and fruit & vegetables. So I want to get down to one cupboard in most of this stuff. There are canned food in the way of tomatoes, fish, corn, soup, baked beans, dried beans & lentils, powdered milk, coffee & tea, Oatmeal & cereal. Plenty of paper goods and cleaning stuff for a year. Almost two shelves is flavoring or condiments so flavoring my food for the next year will no be a problem I don’t think. Will I make Mexican, Asian, Italian or Middle Eastern meals this month I wonder?

I'm going out to dinner tonight it's Chinese.

Found a tray of markdown chicken schnitzels saving $3.60 with 14 servings, along with a caramel mud cake markdown to $1.49 saving $3.00, and some fresh green seedless grapes for variety in my fruit intake. Along with some display books that were a faction of their true cost saving over $18.00 here. So in light of these saving I would have had to spend over $ 24.60 extra if I did pay normal regular price on all items I bought as some people do.

So I spend money today
Total Money spent today $18.62
Savings $stretch $24.60

Oh it’s hot here, not because temperatures are high but for the humidity that is around! The dams have risen 4% so far and one on the Gold Coast is overflowing.

I did go shopping today, first to get some items on special at one supermarket then off to other one to get cat food that it stocks. Oh fuss cats don’t you love them! Grocery shopping for my cats was up in the range of $35.00 and I still need to buy cat litter which was out of stock today. I will try again next time; I do buy a month supply at time so I still have one week’s supply left which is my backup supply. Fruit & vegetables are getting expensive around here , just bought cherry tomatoes, bananas, pears, oranges coming to $5.20. All other fruit & vegetables were too expensive this week; I will use what I still have left instead. I do have a good supply of can tomatoes so use these in cooking.

The total today was more than I normally spend but some items were for my survival kit project in the way of extra powdered milk as I do use this item so I bought 2 bags extra than I would this time. More 2 bags BBQ heat beads giving me about 5 bags now, I don’t use gas bottles for my BBQ’s and I have two different sizes ones. I went to the Two Dollars store and bought my first item for my car’s survival kit pack, it’s a whistle with a compress, key ring & thermometer called a 4-in-1 whistle. I did see other items that I may buy too! I had lunch at my favorite local food stall for a hot dog and milkshake, price $2.50 elsewhere it would be around $5.95.

So I spend money today
Total Money spent today $80.02
Savings $stretch $20.08

At the moment I am reviewing my wardrobes. So some clothes are going because the elastic are going, I know that I will not replace them and I have other clothes that I can use as my lifestyle has now changed as I am no longer in the workforce.

As I buy mainly second-hand clothes so I haven’t been culling often as why would you re-buy the same clothes in the same size again? So I did go through them to see what I wouldn’t again wear or wouldn’t fit now as I don’t worry about being in fashion. I also did the drawers and shelves in this exercise and found some items that I had forgotten that I had bought so putting them altogether in the right place; I will not need clothes, underwear or hosiery for the next year or so!
One example of lack of organization, I had been buy knee-hi hosiery thinking that I had run out of my stockpile but today, I found my stockpile in another cupboard. Enough for next two years, I would think seeing I still have heaps of in use ones as well when they were all put together.

But when I do throw things out its junk and it has lost value or I can replace for little cost.

I am more then half way through this task. I have already given away the clothes, shoes and handbags from this task that I have removed so far. It’s part of my 72 hours rule. I find that if I don’t do something within 72 hours it doesn’t get done. $$$ Another Strategy


It's a No spending day

It’s about time I had a good look at what I have already squirreled away.
As ex Avon rep. my toiletries and makeup area are overflowing so that nothing is needed in that area. I did a quick tidy of that storage area and review what I have got. Only thing would need is shower gel but using the bath & shower wash instead will work the same.

Next area was the stationery as next week is the best time to buy it here at the Back to School Sales.

Nothing of the above areas will be bought next year. The thing that I may run short of is photo copy paper. I will buy some later in the year as this does come on special though the year also.
Other thing that I need is new paper shredder so I will need to keep an eye out for this, my Christmas voucher will cover half the cost of the paper shredder. I been buying the cheapest models, this is the second time I have broken them, so this next one will more up market one. I will wait until it goes on special then buy it.

So the verdict is that I don’t need to go the Back to School Sales this year!

No spending Day

As I start my new annual budget each year around now.
I am reviewing my past spending and goals before I start posting my goals and plans for 2008.

As you may have read, I had a spending spree this year.
New Front Door & Security Door, 3000L Tank, Water Hot Tank, New Mower, New Computer & Printer etc, Digital Camera plus extras, Holiday Interstate.
All bills paid on time throughout the year
And credit card at Zero balance at end of each month.
Best of all I’m still under my pension income and things are looking good for next year goals.

My goals & plans for next three months ~ December to February.

~ No Spending but for planned items. (If I have an item in the house or can borrow it, then I’m to use that first.)
~ I have only two gift vouchers for Christmas to buy as all other gifts have been bought.
~ Saving as much cash I can for a new stove & oven later in the year.
~ Have my credit card at Zero balance by end of the each month.
~ Come under budget. (Only if you don’t count major project)
~ Deposit into the online accounts.
~ Pay All Due Bills on pension days or ahead of time. (As my budget is now in Excel, I can see a working model of these figures. When due and approx amount needed for each month.)
~ Chiro visit (one every 4 weeks)
~ Known outings to budget for in December - February –dining out 5 times
~ Live off my Bulk Food Assets & Storage Assets
~ Gardening Mowing & weed back garden & put water saving techniques in place.
~ Cull & de-clutter computer files not in use.
~ Downsizing storage areas and clean these areas (zones 9, 10 & 11)
~ Lay a load wood chip that our neighbor hood (10 households) got for FREE, so far I have moved 30 Wheel borrows full for my garden. Still wheel borrows more to go.

I was having a bit of time out from writing here. I will try to come back a bit more from now on.

I went to Aldi on Friday and bought a pasta machine, so now I can some fresh pasta along with rolled oats & powdered milk as I do make my own cereal and yoghurt & mix my own skim milk. All these have a shelf life of more than 12 months and I have put the cereal in the freezer for now. Prices are going up here big time. I went to the fruit shop today to buy tomatoes but the cheapest were $3.99 kg and they were not that good, so I decided to buy avocados instead they were 6 for $2.00.

I went shopping this weekend, and bought heaps of fruit & vegetables as the Granny Smiths Apples, brown onions, sweet potatoes were only 79c kg. So I bought a lot of them as I have dehydrator with 10 trays so I will be over next few days, I took over 3 hours to cut and lay out seven trays today. I had to cut them up very finely for what I need them for, as I am making seasoning mixers. I have to do the onions on they own but the others can be done together. I also bought celery, peppers, & kiwi fruit. I will do the apples & kiwi fruit together then get around to them. Dried apple slices are 250g for $2.99. Before I went shopping, I went to Hungry Jack’s and got a free coffee and single cone 40c, with my senior card. Saving $2.45 here.

Weekly Main Meal Menu
Sunday ~ Ham Omelette with Tomato Salsa
Monday ~ Chilli Con Care & Corn Chips
Tuesday ~ Chicken Schnitzel with Tomato Salsa & Steamed Vegetables.
Wednesday ~ Pea & Ham Soup & Toast
Thursday ~ Spaghetti Bolognese
Friday ~ Poached Fish with Steamed Vegetables
Saturday ~ Thai Satay Chicken with Steamed Rice & Green tea

Adding Coins $20 challenge -$12.50
Today’s Senior Card Savings - $2.45
Add to total $20 Challenge $84.70
My Spending today $35.56
Any Savings today $12.45

June / July Goals & Planning Ahead

~ Have my credit card at Zero balance by end of the each month.
~ Come under budget.
~ Deposit into the online accounts.
~ Pay All Due Bills on pension days or ahead of time.
~ Chiro visit (one every 4 weeks)
~ Known outings to budget for in June / July - lunch out 3
~ Live off my Bulk Food Assets
~ Make up another eight meals OAMC. - Out of Bulk Food Assets.
~ De-cluttering 5 Storage Boxes
~ Gardening Mowing & weed back garden & put water saving techniques in place done
~ Cull & de-clutter computer files not in use. – (on going)
~ Downsizing storage and clean these areas (zones 6, 7 & 8) (on going)
~ Have my car service

Review of the last two months.

April / May Goals & Planning Ahead
~ Have my credit card at Zero balance by end of the each month. Done
~ Come under budget. Did come under.
~ Deposit into the online accounts. Yes
~ Pay All Due Bills on pension days or ahead of time. All bill paid to date
~ Chiro visit (one every 4 weeks) yes
~ Known outings to budget for in April / May - lunch out 2 - had more lunch out 5
~ Live off my Bulk Food Assets Yes
~ Make up another eight meals OAMC. - Out of Bulk Food Assets. Yes
~ De-cluttering Computer Room Yes
~ Gardening Mowing & weed back garden & put water saving techniques in place done Yes
~ Cull & de-clutter computer files not in use. – (on going)
~ Downsizing storage and clean these areas (zones 6, 7 & 8) (on going)
~ Install the water tank, paid and apply for rebate. ? Done

Today I did a big run around shopping and pay my bills, as I haven’t been out for a while. I went to thrift shop on the way up the street and bought a large plastic container, for $2.50 that is normal sold for about $12.95 new. I also pick up some more Gourmet Traveller magazines, 5 for $2.00 I now have quite a number of theses now. I bought some grocery $4.70. I want to get some film developed but no one does it any more but at large shopping centres. So I had to go the another shopping centre in my car. So as I need to pay some bills as well, first put the film in to get developed, $11.63 then I had wait for 3 hours but I needed to shop, have lunch and pay the bills. Going to Aldi spending $19.93, buy some underwear $11.94, having lunch for $1.65 saving $1.50 on coffee with my senior card. Paying my car membership $62.00, and another bill for $94.50. I did buy the book The Secret $20.94 so I will know want it all about. I still have a few more bills to pay via my credit card. I will pay this before I need to put my next annual Chiro bill on it. But I will have it paid off along before the interest is due on it.

Weekly Main Meal Menu

Monday ~ Chicken Mustard with Rice.
Tuesday ~ Beans Rissoles & Salad
Wednesday ~ Toasted Savoury Mince Jaffa’s
Thursday ~ Scramble Eggs on Toast
Friday ~ Poached Fish with Steamed Vegetables
Saturday ~ Spicy Pumpkin & Sweet Potato with Lentils
Sunday ~ Chicken Schnitzel with Tomato Salsa & Steamed Vegetables.

Today’s Senior Card Savings - $1.50
Add to total $20 Challenge $32.40

My Spending today $231.79
Any Savings today $11.95

There a few specials in the catalogues this week so I am planning to buy something in bulk or multiple buys. I normally buy between 2 to 12 items when bulk buying, 12 cans soup for meal bases this winter, 2 x 200g instant coffee until the next large can coffee goes on special, 2 kg powder milk, 2 dried macaroni. These will stock up my pantry up now to the point that I may not shop for a while now after done a inventory of my bulk areas. Unlike many of you who have snow in winter, I can walk to the shops all year round and seven days per week too! Keeping out of the shops or if do go with someone trying not to buy will be the challenge. Limiting to pet food and supply, fruit and vegetables, and the markdown dairy cases. I shopped at IGA & Aldi today. Today I used the car to go shopping. Spending all up $30.51

I had coffee & small burger today so another $1.50 for $20 Challenge.

Today’s Senior Card Savings - $1.50
Add to total $20 Challenge $30.90

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

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

IGA is one of our independent store chains for Groceries here. When they have some specials on I will make the effort to drive over to buy the specials that are not available that week if I need too! This week no one had dry pet food for sale at the price I wished to pay for it but IGA, as a dollar in my pocket is better than their competitors. Well I think so anyway! So I got 2 bags of more expensive brand Cat Food for they treats. 3 boxes of Friskies Dry Cat Food all @ $2.99 each, saving $3.80 on cat food here. Can fruit was the lowest for a while so I bought 4 cans of can fruit @$1.99 saving $3.28 on them. I had a treat myself of Christmas chocolates for 99c saving $1.76 As I eat sunflower seeds in my cereal I’m able to buy these in bulk at this store and not in packets. So I had a good morning and it’s rained on the way home so I was able to wash my car also with rainwater!

BREAKFAST Muesli & Milk Coffee
LUNCH Mixed Salad & Hummus on Crackers Fruit Coffee
DINNER Pasta with Pasta Sauce & Tuna

Today’s Full price Tally $35.19
Today’s Savings - $8.84
2007 Total $-t-r-e-t-c-h Savings Tally $9972.35

Early this morning I did full up my car with gas. Costing $30.39 this includes my motor mower gas as well. As I don’t use my as much as some people do. Saving $1.13

I did go to the city again today to visit the Chiro. Refund $19.40. I did some shopping for some things while I was the city. Including some 75% off Christmas lines, one was Cranberry Sauce for $2.95 saving $8.00 and some coffee at the right price RRP $39.30 saving $$16.50, all up I spent $49.55 saving over $39.99.

Today’s Full price Tally $ 121.06
Today’s Savings - $ 60.52
2007 Total $-t-r-e-t-c-h Savings Tally $9214.37

It’s a case of going to the supermarket for more cat food. Before going I made a list of their lost leaders this week that I use. While there I bought only fours lines only but in multiply buys.

John West Tempers Tuna 95g x 10 @ 79c RRP $1.59 ea. … saving $8.00
Just Juice Orange Juice 2L x 4 @ $1.39 RRP $2.73 ea. ……saving $5.54
Praise Salad Dressing 330ml x 1 @$2.29 RRP $2.99 … saving .70c
Cat Food generic x 10 @ .69c reg. price at the momen, it was 75c each, two months ago it’s the only item that has come down in price around here..
As I get a 5% off the total docket saving here $1.09

I did have a milk shake while I was out saving $1.55 than buying it at Wendy's.

Today’s Full price Tally $39.44
Today’s Savings - $16.18
2007 Total $-t-r-e-t-c-h Savings Tally $8902.45

Well after 3 weeks into this year’s budget, I better work on want I have to live with for next 12 months. My projects for 2007 are over budget by around $5000. I will have to see where I can cut back, so some can get done.

My living expenses at moment are around $420 and bills $530 per 28 days with some over estimates on bills by 10%. This only leaves very little leftover for these projects. Three projects need to be done this year, each costing around $1800 each. On a gloss income of under $13500, I will have to cut fat big time.

As you know I am getting a water tank in the next few weeks, that’s $1540 there will be a rebate on it too! But will have to wait anything up to six months for it. So that rebate will go to one of the next projects on the list. My handyman friend wants to put an exit door and security screen door in my computer room, YES does need doing if there were a fire in this end of the house I can’t get out full stop! About $1200 for that job, as he is returning to New Zealand soon, it will be fixed before he goes. I had another person quote on this job but he has died since. The other project is buying a new computer, as this one is now too old to update any longer. I have about 10 months before I need a new one. I have to have my termite spray this year as well and will put it off as long a possible. That one is expensive and may have to come out of my capital savings if necessary. All other projects will be on unable to be fixed needs replacement list only. That’s will be only way they will be replaced in 2007.

So you may see a lot of no spending days in the future, as I go looking for the fat in this budget.

I will start with my grocery and eating out budgets, and see what can be done to cut back here.
Normally I annual budget is these amounts in these areas so I will keep them at these amounts and see if I can go under.

Grocery $1500 (last year $1160), target of $800 (I will live off bulk assets for a while.)

Eating out $400 (last year $520), target of $350 (As known spending is 4 birthday’s dinners and 18 lunch dates this year.) As I don’t budget for other’s eating at my place other than what on that week’s menu. I have to spend money to go with them to eat out as this is they lifestyle and we all go Dutch. I do keep a float $40 for this kind of spending so I am never notable to go. $$$ Another Strategy

Today I went off in the car to do some shopping at local grocery store that I go too rarely. They were a Fruit & Vegetable chain at one time taken over by a grocery chain but not one regular top five grocery groups here. They had can of soft drink that I drink going for less than 50% off per can a good buy around here. (We don’t have coupons here.) A few other items were on special so I stocked up on them too! Some were just to try unknown brands or different brand to normally used, Baked beans, Lasagne, Juice & boxed chocolate snacks

Drinks can x 36 @ 25c …..saving $11.16
#Can Chickpea x 4 @ .69 ..saving $1.20
Lasagne Kit x1 @ $1.59 …saving $2.66
Crushed Pineapple x 2 @ .69 …saving $1.78
#Can Asparagus x 2 @ $1.59 …saving $2.00
Baked Beans x 1 @ .69 ….saving .60
Juice 2L x2 @$1.69 ….….saving $2.58
Tomato Paste x 1 @ 99c…. saving .60
Jam x 1 @ 99c ……………saving $1.56
Chocolate x 1 @$1.99 ……saving $1.26
#Boxed chocolate snack pack x 1 @ $2.99… saving $2.50

95% were brand items. Non-brand items #

On the canned drinks, I saved $11.16 and saving $16.74 on other items. Total savings $27.90

Today’s Full price Tally $57.80
Today’s Savings - $ 27.90
2006 Total $-t-r-e-t-c-h Savings Tally $8641.22

A trip the city by bus today as it’s the day for my visit to the Chiro. Refund of $19.40 on my Chiro. Paid my Credit card off so it’s back to zero again.

While I was in the city, I visited a discount store to have a look at their hair dyes as I am down to my last two containers. Now is the time to start looking for replacement stock as last lot was bought over two years ago so I needed to increase my bottom line by $2.00. On my first stop I found what I am looking for, in the right color range in these discontinue line red tones are one of few regular colors available which make my job easy, as I am natural redhead. The last time I bought some I got it between $4.50 to $4.99 so adding my new bottom line increase, any thing under $7.00 will be a bargain. I got 4 x $5.99 normal (RRP) price $14.95 each saving $36.00. When I go to the city again I will look if they have more left and buy a few more. I went to the Hungry Jack’s today and got a free coffee with my senior card, saving $2.45

BREAKFAST Baked Beans on Toast Coffee
LUNCH Cream Cheese & Tomato Apple Coffee
DINNER Fillet Steak, Egg, Onion & Tomatoes Coffee

Today’s Full price Tally $62.25
Today’s Savings - $ 57.85
2006 Total $-t-r-e-t-c-h Savings Tally $7635.45

~ Have my credit card at Zero balance by end of the each month.
~ Come under budget. (But for Car it’s to come out of Bill A/C.)
~ Deposit into the online account.
~ Lodge my tax claim before middle of August
~ Pay All Due Bills on pension days.
~ Have my car service and rust proofing installed ($600.00 plus service.)
~ Chiro visit (one every 4 weeks)
~ Doctor Visit & 2 Hearing visits for August & September (paying the difference on hearing aid)
~ Known outings too budget for in August / September (Trip to the Annual Show, Lunch 3, Dinners 2.)
~ Live off my Bulk Food Assets
~ Make up another eight meals OAMC. Out of Bulk Food Assets.
~ Downsizing storage and clean these areas

I did it, all most!

~ Have my credit card at Zero balance by end of the month. ~~~~ done.
~ Come under budget. (But for Car it’s to come out of Bill A/C.) ~~~ done
~ Open online account. ~~~~ Done
~ Pay All Due Bills on pension days. ~~~~ Done
~ Have my car service and rust proofing installed ($600.00 plus service.) ~~~ booked in August
~ Have my termite inspection & pest control done (estimate $180) (Had termites a few years ago) annual check. ~~~~ to-morrow
~ Chiro visit (one every 4 weeks) ~~~ done
~ Doctor Visit & Hearing Test for June.~~~ done
~ Five known outings to budget for in June. (Morning Tea, Lunch, Picnic, 2 Dinners.) ~~~ Done
~ Live off my Bulk Food Assets.~~~ done but bought some meat.
~ Make up another eight meals OAMC. Out of Bulk Food Assets. ~~~ done
~ Downsizing living areas and clean these areas ~~~ done
~ Visit by a relative in July. ~ came & gone

~ Have my credit card at Zero balance by end of the month.
~ Come under budget. (But for Car it’s to come out of Bill A/C.)
~ Open online account.
~ Pay All Due Bills on pension days.
~ Have my car service and rust proofing installed ($600.00 plus service.)
~ Have my termite inspection & pest control done (estimate $180) (Had termites a few years ago) annual check.
~ Chiro visit (one every 4 weeks)
~ Doctor Visit & Hearing Test for June.
~ Five known outings to budget for in June. (Morning Tea, Lunch, Picnic, 2 Dinners.)
~ Live off my Bulk Food Assets.
~ Make up another eight meals OAMC. Out of Bulk Food Assets.
~ Downsizing my guestroom & living areas and clean these areas
~ Visit by a relative in July.

I picked up my Avon order today & visited two friends. One friend is an Avon Rep. I got Deodorants at a good price 3 x $4.99 reg. price for 1.45 each saving $10.62
Skin Care reg. price $12.99 for $3.99 saving $9.00.
Perfume reg. price $29.99 for $8.99 saving $21.00
Pill case $9.99 reg. price for $4.99 saving $5.00
Total saving $45.62
I delivered an Avon order to another friend who is caring for her sister.

BREAKFAST Muesli & Milk 2 slices Toast & Jam - 75c
LUNCH Cracker with Cheese & Tomato Apple Coffee –50c
DINNER Fish Cakes & Vegetables Yogurt & LSA coffee $1.20

Today’s Full Price Tally $67.94
Today’s Savings - $45.62
Bulk Food Replacement Fund - $ 23.70
2006 Total $-t-r-e-t-c-h Savings Tally $1226.46

Today, I just finished the mowing the lawn it take me twice along to do it now but I get some exercise doing it and save money as well! In fact $35.00 each time. I am putting this money in my new mower fund and very soon I will have enough to buy new one. I am lucky that this one is still going. I had the motor recondition a few years back but other things are breaking so I will get a new one when I need to pay any money out on it. The fund is now at $280 so I can afford to buy new one any time now! The goal price is around $450. I will get a new one for next summer if it doesn’t breakdown before hand.

BREAKFAST Muesli & Milk Pancakes & Maple Syrup with Whipped Cream 80c
LUNCH Crackers with Chutney, Home-cooked Corn Beef & Salad Coffee $1.00
DINNER Devilled Sausages Orange $1.00

Today’s Full price Tally $35.00
Today’s Savings - $35.00
Bulk Food Replacement Fund - $21.25
2006 Total $-t-r-e-t-c-h Savings Tally $1180.84

Today I charged over my seasons in my wardrobes. Taking out my winter clothes and put away my summer clothes that I will not wear again until October here or later. It’s still in the twenties in the middle of the day but it’s getting cooler in evenings. But sleeveless tops are no longer needed and any items that you can’t wear a vest under it.

I also refilled my moth ball holders in each wardrobe as they were empty. I buy extra loose mothballs and refill the hanging holders ones, you can get them from Chinese supermarket here, if you know want you are looking for. Hanging holder cost $2.00 for 2, but once you bought them you have got them for many years. But the supermarkets would like us to buy the hangers only. I found that the bottoms do come off, you need to use a knife to open it. Then you can put the refill in & close it again. I almost can get two full refills out of one bag for around $1.50 bag. I keep the mothballs in an old coffee tin that is well labeled so that they are airtight until next time. I has have four sets of these hangers so I am paying $8.00 for original outlay + $1.50. So each time I replace them I saving $7.25 by using ‘Refill It Strategy’. With using around 1.5 bags per year. That’s $21.75 saving per year on mothball hangers.

BREAKFAST Muesli & Milk 2 slices Toast & Jam - 75c
LUNCH Cheese Salad Orange Coffee .60c
DINNER 2 Egg Cheese Omelette and Pasta Sauce & Grilled Peppers - 50c

Today’s Full price Tally $8.00
Today’s Savings - $7.25
Bulk Food Replacement Fund - $18.45
2006 Total $-t-r-e-t-c-h Savings Tally $1145.84

My hair is starting to show grey again, so I dye it today a Copper Blonde. I was a redhead so any red tone dye I can use. I saved money using a strategy that I found in Amy’s D book, ‘The Tightwad Gazette’ in article ‘Three ways to save’ Vol 1 - p42 (CTG)

To recap on the strategies in use.
1. Buy it cheaper.
2. Make it last longer.
3. Use it less.

I have explained this strategy in ‘Re-Reading The Tightwad Gazette’ >> Frugal Question & Answers forum in Saving Advice. I paid $5.95 instead of $16.95 this time, using all three strategies.

BREAKFAST Muesli & Milk 2 slices Toast & Jam - 75c
LUNCH Leftover Spicy Chicken Baguette Coffee - FREE
DINNER 2 Egg Cheese Omelette and Pasta Sauce & Grilled Peppers - 50c

Today’s Full price Tally $16.95
Today’s Savings - $14.00
Bulk Food Replacement Fund - $1.25
2006 Total $-t-r-e-t-c-h Savings Tally $952.40

Well it’s about time that I did a Freezer Inventory, as I don’t know what’s lurking at the bottom of my chest freezer. Just living off the top half! I will defrost while I am at it too! Not that it too bad, but a little more than wants recommend ¼ inch I think it is. All three freezers (2 fridge freezers & 160L chest freezer) that I have are now full. As this morning, I got 4 loaves of free bread & 2 whole Pumpkins homegrown one’s to go with the 2 whole pumpkins that I have grew myself, when I cut up each one I will share it out with the others that have given me food gifts at times. The bread I packed into half loaves then froze in my downstairs freezer.
Free bread RRP $2.20 x 3 + 3.20 = $9.80
20kg pumpkin @ $1.60 kg = $32.00 (av.5kg each x 4)
Value of free food $41.80

I will not be buying much in the way of food in the next few weeks. I will be costing my meals that come out of bulk food assets so that I can put aside that amount for replacements later. Now it’s on to the next step Grocery Inventory. Then it’s menu planning. This is my project for this weekend.

Today’s Full price Tally $ 41.80
Today’s Savings - $41.80
2006 Total $-t-r-e-t-c-h Savings Tally $938.40