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1st Monthly Financial Summery for 2015

March 13th, 2015 at 01:34 pm

Here is my first Summery for January period.

I have updated my Excel finally so here are the figures for last few months I have been quite busy here.

This for period of 28 days each 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 very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

Review for January budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$31.00
Groceries===$125=== =$58.72
Non-Food===$15
Clothes ====$35
Grooming===$20
Gas======$20
HH items===$40======$12.80
Fares== ====$15 ======$20.00
Entrainments== $15 ====$20.00
Garden =====$15 ======$86.60
Gifts & Donations ==$35 ===$25.50
Medical & Diabetes Expenses ===$70====$18.20
Misc ======$10=========$4.00
Personal Allowance =$90 ===$70.59

Note only one amount is a No Spend

No Spending Days 13 of 28 days

Budgeted for this period $550 spent $347.41 under by $202.59 on general spending.
This saving went into some of my huge bills over this period.
Personal allowance covers health drinks, lotto, books, stamps, craft and hobby supplies.

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

My credit cards are still paid in full each month; it was $390 this period.

Grocery allotment $125 for each period it was under by $66.28 this period.

Strategy - Don't believe all the advertising you see on TV or in the mail you didn't know you wanted it 15 minutes before you saw that advertisement.

7th Monthly Financial Summery for 2014

October 13th, 2014 at 02:46 pm

Running behind here. Update
.

Here is my Financial Summery for August period.

I have updated my Excel finally so here are the figures for last month I have been quite busy here.

This for period of 28 days each 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 very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

This is my review for August budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$24.50
Groceries===$125=== =$113.63
Non-Food===$15
Clothes ====$35=====$86.99
Grooming===$20
Gas======$20======$21.55
HH items===$40======$115.50
Fares== ====$15
Entrainments== $15
Garden =====$15
Gifts & Donations ==$35 ====$6.00
Medical & Diabetes Expenses ===$70====$15.00
Misc ======$10
Personal Allowance =$90 ===$85.14

Note only one amount is a No Spend

No Spending Days 14 of 28 days

Budgeted for this period $550 spent $481.31 under by $68.69 on general spending.

Personal allowance covers health drinks, lotto, books, stamps, craft and hobby supplies.

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

My credit cards are still paid in full each month; it was $30.00 this period.

Grocery allotment $125 for each period it was under by $11.37 this period.

Strategy - Try to drink water with your meals when you are dinning out and if you on a special diet try to stick to it as best you can.

13th Monthly Financial Summery for 2013

January 19th, 2014 at 10:50 am

Here is my Financial Summery for - December period.

I have updated my Excel finally so here are the figures for last month I have been quite busy here.

This for period of 28 days each 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 very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

This is my review for last month's budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$15.30
Groceries===$125=== =$106.83
Non-Food===$15======$2.50
Clothes ====$35======$34.00
Grooming===$20
Gas======$20
HH items===$40=======$21.46
Fares== ====$15
Entrainments== $15 =====$26.50
Garden =====$15 =======$47.90
Gifts & Donations ==$35 ===$37.48
Medical & Diabetes Expenses ===$70====$11.90
Misc ======$10
Personal Allowance =$90 ===$4.00

Note only one amount is a No Spend

No Spending Days 13 of 28 days

Budgeted for this period $550 spent $307.87 under by $242.13 on general spending.

My watches required new batteries that came out of clothes were an out of pocket expense of $34.00 and I never spent much of my personal allowance. Personal allowance covers health drinks, lotto, books, stamps, craft and hobby supplies.

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

My credit cards are still paid in full each month; it was $245 this period.

Grocery allotment $125 for each period it was under by $18.17 this period.
I had to watch my spending this period as my outgoing on bills and major projects were over $16000 this period. That they all have been paid for now.

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

11th Monthly Financial Summery for 2013

December 21st, 2013 at 01:51 am

11th Monthly Financial Summery for 2013
Here is my Financial Summery for November period.

I have updated my Excel so here are the figures for last month.

This for period of 28 days each 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 very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

This is my review for last month's budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$27.40
Groceries===$125=== =$176.51
Non-Food===$15=====$10.00
Clothes ====$35
Grooming===$20
Gas======$20=======$72.55
HH items===$40=======$8.00
Fares== ====$15 ======$10.00
Entrainments== $15
Garden =====$15 =====$9.50
Gifts & Donations ==$35 ===$11.50
Medical & Diabetes Expenses ===$70====$1268.10
Misc ======$10
Personal Allowance =$90 ===$83.38

Note only one amount is a No Spend

No Spending Days 10 of 28 days

Budgeted for this period $550 spent ($1667.44-$1260) under by $142.56 on general spending.

My dentist bill was an out of pocket expense of $1260 which I had been saving for a while.

Personal allowance covers health drinks, lotto, books, stamps, craft and hobby supplies.

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

My credit cards are still paid in full each month; it was $1685.00 this period.

Grocery allotment $125 for each period it was over by $51.51 this period .

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

Garden update

November 3rd, 2013 at 01:26 am

Well I am almost finished my garden in readiness for summer.

Just need to weed and munch the front garden before it gets to hot here. It's very dry so I may only just weed it for now!



Here are after pictures of my clean-up of those two garden beds. The dead vines on the tree had the main roots in the clean-up bed so died when cut. It's takes about two years to get back to the way it was. I think I may plant some sweet potato in that bed for now!



I have started on a new project here so more about it later.

Ninth Monthly Financial Summery for 2013

October 21st, 2013 at 01:55 am

Here is my Financial Summery for August-Sept period.

I have updated my Excel so here are the figures for last month.

This for period of 28 days each 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 very near the end of next 28 day cycle.

Reviewing my monthly daily living allowance

This is my review for last month's budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$36.30
Groceries===$125=== =$86.37
Non-Food===$15====$19.95
Clothes ====$35
Grooming===$20
Gas======$20
HH items===$40=======$59.30
Fares== ====$15
Entrainments== $15
Garden =====$15 =====$2.00
Gifts & Donations ==$35 ===$5.50
Medical & Diabetes Expenses ===$70====$42.34
Misc ======$10
Personal Allowance =$90 ===$38.65

Note only one amount is a No Spend

Budgeted for this period $550 spent $290.41 under by $259.59

No Spending Days 14 of 28 days

Personal allowance covers health drinks , lotto, books, stamps, craft and hobby supplies.

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

My credit cards are still paid in full each month, it was $85.00 this period.
Grocery allotment $125 for each period under by $38.63 this period
You can see that I am saving for something! A dentist bill that is will show up in period 11.
Strategy - Do remember what you have stored before you go and buy more of the same.

Still working in the garden

October 3rd, 2013 at 08:23 pm

Well I only have about two hours of work in garden then I have finished the pruning all the over grown areas in the back yard. It has taken a few weeks to do as I have to put it in the garbage bin each week as I can't take it to the dump for green waste. There are weeds that would regrow again if allowed too! As I say going slowly I will get there in the end. About 2 hours per period or until I fill the bin is all that I am doing. The garden patch is doing great and I will be picking my first lot of English spinach over the weekend. I have a good crop of basil in the garden now and self-seeding tomatoes are still growing around the place along Italian parsley in front garden.


this is the area I am working now! Minus the pumpkins



One of the areas that I have been working on.

I will be mowing the lawn hopefully this weekend to keep the weeds down not that the lawn need to be mowed as we are having a very dry spring this year. It's been very hot for September and now again in October too! The lawn is almost dead in patches but the weeds are growing like mad.

Working in the garden

September 22nd, 2013 at 01:43 am

Over the past few weeks I have been working in my back garden trying to make a vegetable garden of sorts. I had to remove a lot of plants the could be planted else so I had to fix that garden first then add manure and potting mix to the bed as the was very little soil left after I removed a dying shrub that just broken apart when you put your weight on it. Then I moved all the tree roots as well. That done and the irises and bromeliads were planted out. I hope not have to do that garden for a while now.

Yesterday I planted out some vegetables in the new garden beds here is hoping it's no too hot for them. Next year I may have to plant them out in the last six weeks of winter as our weather has changed here. It's around 26 - 31C for early spring and very little rain. A good day in summer is 28-30C and it's our rainy season so here's hoping. Today I worked on my other garden bed to remove all the weed plants now I need to remake that bed as it's a Square foot garden bed. I am planning the remove everything and start from scratch again. Even digging out the soil and all roots from the old plants and composting it all and relaying that bed as it a removable bed.

This will be in the near future as I may just get it ready for my summer crop as like tomatoes and radishes may be silver beet as I have to find a good stop for this to grow.

But other things may take my time up over coming months so have to see how things go!

Doing a bit of gardening here

August 17th, 2013 at 12:57 am

Our local Aldi store had rhubarb and asparagus bulbs for sale a few weeks ago so bought some to plant out for next year. As my soil is mostly clay and not very good for planting, I put them in large pots and will nurse along until I can get a good spot to plant them out in. I have never had these plants in my garden before but I will give them ago. They are coming along nicely in the pots. I did plant some seed of silverbeet in a pot too! These are now showing their heads above the soil. I will need get my only garden bed ready for them to transplant them in it soon!

I just cut down three trunks of a HAPPY PLANT that was growing in my garden here. They were getting too tall so every so often I will cut down part of this plant. They branch out and make new growth off each cutting so you dont lose the plant. Its been there for more than 20 years it about the third time I have cut some of it down. The local school may take some for their gardening class next week if I am lucky if not I will cut it up for the bin the following week.

Third Monthly Financial Summery for 2013

April 10th, 2013 at 08:51 am

As I am behind in my posting here is my Financial Summery for March - April period

I have updated my Excel so here are the figures for last month.

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.

Reviewing my monthly daily living allowance

This is my first review for last monthÔŅĹs budget.
These are the categories for this challenge.

Items === Approx. Budget===Spent

Eating out===$35=====$4.00
Groceries===$125=== =$176.17
Non-Food===$15=====$23.12
Clothes ====$35
Grooming===$20
Gas======$20=======$18.80
HH items===$40
Fares== ====$15 ====$12
Entrainments== $15
Garden =====$15========$65.00
Gifts & Donations ==$35
Medical & Diabetes Expenses ===$70====$125.00
Misc ======$10
Personal Allowance =$90 ===$41.21

Note only one amount is a No Spend

Budgeted for this period $550 spent $467.70 under by $82.30

No Spending Days 14 of 28 days

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

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

As for Medical and 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 $32.00

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.