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Monthly Financial Summery for Period 12 -2012

December 1st, 2012 at 12:10 am

Itís time that I posted, before I do the next monthís Financial Summery.

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

This for period 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.

Included is my trip to a wedding which I took earlier in the month.

Reviewing my monthly daily living allowance

These are the categories for this challenge.
Items === Approx. Budget===Spent
Eating out===$35=====$72.75
Groceries===$125=== =$30.35
Clothes ====$35=====$95.75
HH items===$40=====$200.45
Fares== ====$15 ====$310.75
Entrainments== $15 ====$56.47
Garden =====$15
Gifts & Donations ==$35===$173.5
Medical & Diabetes Expenses ===$70.00====$144.75
Misc ======$10==========$8
Personal Allowance =$90 ===$16.89
Note only one amount is a no spend

Budgeted for this period $550 spent $357.64 at home then $800.00 for trip and holiday and wedding came in at $938.52
Total $1350.00 budgeted for month and spending came in at $1296.16 under by $53.84

No spending days 8 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, it was $150.00

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 bills for this period it came to $1220.00

My grocery bill came in well under 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 and personal allowance as I got to stop spending money on books, I think this is my biggest downfall most of my personal spending is spent on books.

Strategy - Do remember what you have stored before you go and buy more of the same.
Strategy: - Track your daily spending down to the cent by writing it down daily.

Christmas dinning out + recipe

November 23rd, 2012 at 11:19 am

Enjoy your dinner out on last week. I have always average out on spending money over the year so long as I have some money left at the end of that week or pay period. I also keep a float so that I have some money for these kinds of nights out. I have to budget in Christmas dinner this year at Five Star Hotel as my DIL family likes to dine out $189 for one meal. You only live once.
I would not go if it was every year that they did this. I know they can't afford it!

Here is that salad recipe that mention a few posts ago.

Traditional Greek Salad
(Tomato and Feta Salad)

Serves 6
Prep time 15 minutes

2 Lebanese cucumbers
2 Roma tomatoes, roughly chopped
1 red onion, thinly sliced
100g roughly diced Bulgarian style feta or firm feta
1/2 cup pitted Katamata olives
1/4 cup olive oil
2 tbsp lemon juice and/or Balsamic vinegar (50%-50%)

Halve each cucumber lengthways and then slice thickly.
Place in a large bowl with remaining ingredients and toss well to combine.
Season to taste
Serve with Chicken Souvlakia or Keftethes (Greek Rissoles)

Interstate Visitors and Summer Storms

November 17th, 2012 at 08:48 pm

Well they would come here in the storm season. Only here for 5 days and we just had the two worse storms for a long time. They are staying a motel near where my niece is working this weekend; my sister came up with her this time. The place where they are staying got damaged and one guest left a baloney door open and the storm and wind damaged the room and everything of theirs too! At least my sister knew how bad our storms can be here and left their's locked. Trees down everywhere and just down the road from them a street flooded and 20 parked cars went under water. Where I live and my sister was at my place when the first storm hit we got very little damage here. This first storm lasted about 30 minutes and moved very quickly over. However the second storm lasted for hours it seemed as I went to bed and it still was raining and lightening flashing 3 hours later when we lost power for a few seconds but enough to stop all the clocks working. I know it just a summer storms but over 33000 lighting strikes between the two storms and the loss of power in some areas.


We did go out on Friday and I spent the day and evening with them. My son and his wife meet up with us all at South Bank Night Markets (Friday night and day time on Saturday and Sunday) do go there if you happen to in Brisbane on the weekend at any time and we had dinner there and Greek restaurant the food was great too! With an entertainment voucher of 25% off the table cost it was around $32.00 per head including drinks. I didnít spend any money other than on food for the whole day.

We had two entrťe of cheese and dips for the table plus a main course each, I had Chicken Souvlakia with Tomatoes, Feta and Olives Salad (Greek salad I will post recipe) and the others had Moussaka and Green Greek Salad or a non -Greek dish. My niece just loves these craft markets and does make a bee line for them when she comes here to lecture on the weekends every so often they are fly in fly out trips as she lives interstate over 5 hours away from here in the country South Australia.

Spending for the day $39.00 all up including lunch which was Thai Vegetable Curry with Brown Rice.

Some three more storm cells have arrived today so far but were light here but much heavier on the north side up the coast a little. I will post now as I need to close my computer down each time a storm cell comes over and I have loss my Wi-Fi a number times today.

No spending days here + recipe

October 7th, 2012 at 01:38 am

I haven't not been near the shops for over 5 days now! I will need to go tomorrow thorough with my friend but I am hoping not to spend at all.

I had some free pizza given to me today as my friend decided to have pizza for lunch. When she does this she buys 3 of them, one to share with me for lunch, one for her freezer and one for my freezer too! I put this pizza into Gladwrap with 2 pieces at time then freeze I do get 4 lunches out of this.

I think she is lonely and tries not to cook in hot weather as it was 35C today here and no rain.
I do other things for her so it's her way of paying me back I think.

Here is another Vegetarian recipe that I found.

Sri Lankan Vegetable Curry

Mix together in large saucepan
1 cup coconut cream
3 cups vegetable stock
10 curry leaves
1 -2 stalks lemongrass
1 cinnamon stick

Boil up for a few minutes then simmer and add -
1 tbsp curry powder
1/4 tbsp turmeric

Simmer and stir for approx. 10 minutes.
Chop up bigger chunks
1-2 carrots
6-8 small chat potatoes

Add cook 15 minutes then add-
2 chopped zucchinis
Cook another minute.
Then add in
1/2 cup frozen peas
1/2 cup cashew nuts
2-3 tbsp coriander
lime juice to taste.

Cook further 2 minutes.
Serve with boiled rice.

Weekend Shopping and School Fete

May 1st, 2012 at 02:41 am

Last weekend outcome, Saturday it was raining here but I still went out as it was compulsory voting, at the polling booths the church had a street stall selling odd & ends and sausage sizzler, one sausage & onions on piece of white bread and sauce $2.00 each, I didnít fall for that one I had eaten but I did buy a large brown handbag that has never been used $10.00.

Then we went down by car to the large fruit shop, my friend bought heaps of stuff. I bought bucket of mandarins, zucchinis, pineapple, pumpkin, cabbage, sweet potatoes, and fennel $12.45 all up then I got 10 chicken schnitzels for $10.00 at the butchers. Cost all up $22.45.

Large Brown Handbag

Come Sunday I had a problem with diabetic glucose machine that my diabetic educator lent me! I had to walk to the chemist to ask about that. New battery was needed so that cost $3.45 more about this in another post.

I did do the Washing before I went for my walk then came home to hang it out and do any hand washing. After morning tea I went the school fete as it had stopped raining. Normally they have Trash & Treasure in the school hall but as this was used for a polling booth the day before they went back to the old area before the new school hall was build. Having found the Trash & Treasure and second hand books area, I looked at these to spend my allotted money. I didnít find anything interesting but saw most of the stuff I had donated was still for sale. So I may had made the right choice of donating it as it would never sold in any garage sale and I had three over time trying too! I had better luck at the bookstall I did find some cookbooks and two novels that I may read in the future.

$9.00 this lot of books

All up spent $44.90 Value of finds about $165

This week-end will be a busy one here!

April 27th, 2012 at 01:30 am

On Saturday we are voting for our city council Mayor and councillors, it compulsory voting here. You will get a fine if you donít. Then I have to take my friend shopping afterwards. I hope not to spend too much on Fruit & Vegetables plus meat. ($25.00 or more)

On Sunday itís the local school fete which donated a car load of stuff too, a few weeks back. I donít plan on buying much but will go and see there are any books that I may be interested in. Last year I got a lot of Earth Garden magazines there. I have allotted $15.00 for the day to spend there.

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

It pays to be alert!

April 21st, 2012 at 01:05 am

A medical bill came for my friend for $176.00 but the way our age pension system works I wondered about it! After a lot thinking about how to pay this bill and which way to go about it, I went to one of the offices and just asked about age pension discount on it. With just one phone call from the office staff and age pension number no bill all done. Saving $176.00 and a lot of running around on my part as I was the one that would have need to pay if it had to be done that way.

Lunch with friends and paying bills

January 29th, 2012 at 12:13 am

I had lunch with my friends at Casino, the meal was Fish with salad with chips but I asked and got green vegetables instead along with a vanilla slice and coffee all that for $9.00 for members and $14.00 if not! As I was in the city I got around and paid a few bills like Rates, water bill, my Credit card in full and another for my DF-M. I also got a top up on my GO CARD that I use for bus fares.

Would you believe I got all the bills paid and go card top up all within 45 minutes before I went to lunch so that I could be home on the early bus.

The places that I had go to were in four blocks of each other one place in each as I had to go to the bank first. Itís lucky that I know my way around the city as I was able use some of the short cuts to do this in time. It like go around in a maze I am reading a novel at the moment that has Mazes in it.
City trip all up costed $650.00 including bills.

Strategy - Donít spend your forward bill money on trivia, itís been put aside for a purpose and keeps you stress free.

Another milestrone past 800000 views

Focusing on my Food & Grocery Spending

January 24th, 2012 at 02:12 am

I think I could find some spare money in my budget if I focused on my food spending for a while.

These will be my target area to work on for now!

Non -Food ---$221--------$184.52---------under target by $36.48
Pets -----------$650------$547.26--------under target by $102.74
Eating out ----$455--------$560.05--------over target by $105.05
Groceries ----$1755-------$1601.08-------under target by $160.42

So money that I have to work with $3081 using 2011 target budget amounts.

In 2011, I came under by [$3081 -2893.10] = $187.90 so I would like to see a bigger drop in this figure this year. Without changing my lifestyle that much knowing that I can cutback harder if things change around here. So itís to focusing and planning what I intend to do here.

So what strategies do I plan to use to reduce this further with cost of living going up here and my income is only age pension.

I will start with the easiest on first Non-food, this is area mainly covered by items that I canít eat like Toilet paper, paper towels, and some cleaning items that I need to buy. If do a stocktake of these items, I may find that I will only need buy toilet paper this year. By looking online and some in of my books I will find replacement for other cleaning items.

Next easiest one is Pets this includes cat food and litter for them. As they are old cats I will not be retraining them with new ideas but focusing on any wasteful habits and paying more attention to what they eat. They flea and vet treatments are covered in the bill area of my budget so are not included here. But will try to find ways of reducing these as well.

Now time to think about my food out as I like to call it! This area I can control to a degree but not all the way. I have 12 planned lunch dates each year which I just go along with cost can between $9.00 and $26.00 each time at current prices. Then you have 5 birthday dinners or lunches that can cost around $30.00 each time at current prices. But will not go if it gets above this unless itís a wedding which a once in blue moon event. Now the other lunches I can reduce or not have depending on my time schedule when out. I do try to keep these to under $12.00 where possible.

So where does that leave my food out budget, thus having budgeted for $350 outing with family and friend as socialising and form of entertainment. I do keep a float aside of $35.00 so that if asked out I can go will out worrying if I can afford that week. I am trying to get the family to eat at home more but itís an uphill battle.

I will review my grocery shopping in my next post.