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Review of My spending and goals for 2007

December 14th, 2007 at 01:05 am

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 Iím 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 Iím 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 donít 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 Ėdining 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.

My Last Refund Arrived

September 9th, 2007 at 02:22 am

During the last week my last refund for my tank arrived, $500. Bring the total to $1500, therefore the water tank cost $90 out of my own pocket, and itís full with rainwater as we had rain in the last few weeks.

I have been saving money with my medical bills also, as I have been to a number of different specialists and have had a number scans. So far as Iím on a pension and most but not all doctors do charge a different rate. It has just cost so far $105 out of my pocket, but without these rebates & Medicare on these services would have cost over $1000.

I will have to get back to writing more regularly as then I will keep to being on track a lot better.

Finally my lawn mower died!

August 19th, 2007 at 02:36 am

So today, I went to Bunnings our major hardware to check out the prices. About 3 years ago I was thinking that I had to buy one then, so I had worked out which one I was buying and how much I would pay for it. You can get many cheaper lawn mowers but as this one I hope will last one I will be buying if it last as long the last one. It was coming up to about 30 years plus, and it came with the house when I bought it.

I had motor fix a few years ago hoping it would last around 10 years that was about 6 years ago. I decided when I had to pay any more money on this one it was dead. It has been breaking down and pieces falling off over that time.

As I just went in to look as I was there on Monday was a friend, and saw that brand on special for $419 so I went back today to see which one it was! It was not the one I wanted but one down from it, so I check the price on my chosen one and found it was $50.00 off the price since I last price it six month ago. I had set my mind that was close to what I would have to pay for it around $500, so I did buy it today for $449. I got one made in Australia too! The company is planning to make them in China next year. Three years ago they were around $489 so something has come down in price. I had to put it on my credit card but I will have it paid off before bill comes in. I have save for this lawn mower three times then had to buy some else so I just got it, as it would has cost between $35 - $ 50 to pay someone to mow my lawn every three weeks just to mow weeds. I spent some more money on a few odd & ends that I found there for my garden too!

Weekly Main Meal Menu
Sunday ~ Pea & Ham Soup with toast
Monday ~ Chicken Mustard with Rice.
Tuesday ~ Garlic Chicken Schnitzel with Tomato Salsa & Steamed Vegetables.
Wednesday ~ Hot Beef Curry with Rice.
Thursday ~ Chilli Con Care & Corn Chips
Friday ~ Sweet & Sour Fish with Rice (Pineapple & Vegetable.)
Saturday ~ Scramble Eggs on Toast

My Spending today $489.00

Water Tanks

July 8th, 2007 at 10:41 am

I have been very busy this week so
Here a link to pictures of water tanks. More to be found on the links too!

http://www.enviro-friendly.com/water-tanks-australia.shtml

Mine is a round one 3250L and not pictured here as itís a Bushmans one. But you will get an idea want it looks like from these.
I will try and update later in the week.

Whose kitchen taps still leak!

June 17th, 2007 at 12:36 pm

Well I did spend some money this week.

My kitchen taps have been leaking if not turn very hard, My handyman friend drop by, said he would have a look at them last week. Today he came after he finish for the day as he had to work this morning on a job. They were very dirty under the handles and the swindle parts need new o- ring washers and new o- ring on water faucet part too! That I didnít have in fix it drawer in kitchen so we had to go the hardware this afternoon and buy set of washers and a new garden tap that was leaking too! There was two kinds garden taps to choose from on sale 1st one $10.90, 2nd one was $5.87 just made in different countries. Price different for a taps that will not be used too much until we are using hoses again, so I bought the cheaper one. Costing $8.35 all up. Saving $5.00 on that choice.

On the garden front, we pruned the Gardenia in the front garden so itís not so stressed, as donít wish to let it get to high.

Weekly Main Meal Menu

Sunday ~ Minestrone with Toast
Monday ~ Chicken Mustard with Rice.
Tuesday ~ Garlic Chicken Schnitzel with Tomato Salsa & Steamed Vegetables.
Wednesday ~ Hot Beef Curry with Rice.
Thursday ~ Chilli Con Care & Corn Chips
Friday ~ Sweet & Sour Fish with Rice (Pineapple & Vegetable.)
Saturday ~ Scramble Eggs on Toast

My Spending today $8.57
Any Savings today $5.00

Major Project on the Garden Ė Landscaping part of backyard.

June 12th, 2007 at 02:07 am

Owing to the rain my ground was soft enough to work on last week. So I start tidying up the pumpkin patch area. When my handyman friend arrived and started to help out. I had three wheel borrows of dirt from putting in the tank area plus two other piles of dirt. So we got to and clear this area and mowed the whole yards lawn. My mower is about to be replaced very soon. So will need to put as side about $500 for a new one. I may get three more mows out it if I am lucky I had plan to replace it last year so its not to bad that I got another year out of it. It was bought in mid 70ís so it time for a new one, I hope the next one will be my last one.

On the first day we worked on getting the ground cleared and lawn mowed. The 2nd day we made two gardens area. Still need to do a third area. We recycled all the soil and ran it through a sieve that I had too! I had bought a few years ago some garden edge that were never used. So had that also five bags of potting mix to replace the soil in the large pots that I have a Neen, Bay, Curry Trees in, these canít go into the ground but must stay in pots. They are on a cement slab so the roots will not go into the ground as they will grow too high for the area that I have here. Another problem is next door has Cocos palms thatís a weed in our area, I have to keep on the look out for these as I donít wish to pay a fortune to have them cut out in the future. I did find four young plants when we were clearing the areas too! I the new garden I have used only plant that I had in my garden taking some from others area and cutting of other plants. Any plant that dies before the drought end will be not replaced. On the three day I work on my own planting all the under plants using want I had around the place, Iris, tee tree native, rosemary, geraniums, a lot of bromeliads, gladiolus bulbs (that I had laying about) & snowflake. All have lasted in my garden as well as the crotons that I have in the front yard for many years with very little watering at times. So there is one more area to work on and the pruning in late July of the trees & the hedge until this time next year when I will need to clean up again. I donít do any gardening but mowing in summer and our summer starts around late October temperature wise. We got a first cool weather after the 1st June this year until then it was over 28 C everyday.

Four days of no spending days here.

A Bit Lazy or Down this last week & Menu

June 11th, 2007 at 01:21 pm

I have been a bit lazy with this blog of lateas I have been watching the Big Brother program here, too much TV anyway. I will try get a little more with it and blog a bit more often and I will post a full update tonight.

On the rain front, we end up getting one & half days of good rain here. My tank & all the tanks that were in stalled are now full. But elsewhere in the country (NSW) have been in trouble with a low of the coast and flooding and tanker running a ground in the height of the storm. A whole family of five was washed away when a road gave way. Another couple lost their lives when a bridge gave way, such a lost too! Just before that we had train crash in Victoria with eleven people dead when a semi-trailer ran into a train at a level crossing.

Weekly Main Meal Menu

Sunday ~ Vegetable Soup with Toast
Monday ~ Chicken Mustard with Rice.
Tuesday ~ Devilled Sausages with Mashed Potato & Peas
Wednesday ~ Pasta with Pasta Sauce & Tuna
Thursday ~ Beans Rissoles & Salad
Friday ~ Poached Fish with Steamed Vegetables
Saturday ~ Garlic Chicken Schnitzel with Tomato Salsa & Steamed Vegetables.



It's raining here!

June 6th, 2007 at 03:52 am

For the last 24 hours it's been raining on and off all day & night. Still more to come for next two days.

This is enough rain to fill our new tanks up and enough soaking raining around the dams that any more rain will start to run into the dams. It's needs over 50mm of rain each time for this to happen at the moment as the ground is SO DRY. Some areas have had over 100mm, around here over 50mm so far.

I went out last night and was in the city when the rain started. No money spent but I had free food. In mall, I saw the down pipe working in full force. We have roof on one the covers there, that make a water fall when it rains. The pond at the bottom was empty last time I saw it now it full then drains into water tank. They have made a large storage water tank under this area so that it can be used to water the gardens in the Mall.

Well I have done it!

May 22nd, 2007 at 02:44 am

I just paid off, the last payment for my doors of $400 as my handyman friend has returned from his holiday this week. Call in to do a little bit of work around the place too! Hood cover for my tankís motor. He also put extended the pipe into my sunken pit area in my yard. All excess rainwater heads there before sinking into the ground. Itís nice to have such a good friend and all these small jobs he did today, I had in my workshop the materials for each job I never spent a thing. It's great when you can do a job and not have to run to the hardware for this screw or that right bolt for each job. No wonder my friendís think I have a gold mine at times. I didn't have the right tools in somethingís but what I didnít have he did. I made him, his morning tea and lunch then we went to the bank to get the money thatI own him. He is going to price sand blasting job for me for those three wrought iron chairs I bought a few weeks ago. They do need to be sandblasted. I will have to pay for this to be done. He will take it to sandblaster for me. I went into the supermarket while I was out and only bought some eggs & candy $3.39.

My Spending today $403.39

Going Shopping My Style

May 6th, 2007 at 01:39 am

I am making a habit of going shopping with others and not buying at all or very little. They are the ones who are doing all the shopping. Today was no exception as I went with DF-M daughter, from interstate. First off, we went to Bunnings Hardware to buy some things for DF-M. Then came home then went off to buy shoes. After 2 hours Shopping, she spent money on shoes but I didnít buy anything. After visiting five shoes stores. To find her size 35 (3.5 size) was the most difficult part of this exercise. As only one store had her size and they had a sale on too! So she end up buying them for $30.00 off the RRP. All I ended up buying was a special tap handle for my garden tap $14.95, that allows me to leave the tap with no handle but I can use it with a special key.. After I had lunch with them at DF-M house before I came home.

Weekly Main Meal Menu

Sunday ~ Macaroni Cheese with Fruit
Monday ~ Beans Rissoles & Salad
Tuesday ~ Chicken Schnitzel with Tomato Salsa & Steamed Vegetables.
Wednesday ~ Omelette with Tomato Salsa
Thursday ~ Devilled Sausages with Cheese Risotto & peas
Friday ~ Poached Fish with Steamed Vegetables
Saturday~Curry Mince on Toast