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Starting to go through some of my stuff here.

August 21st, 2013 at 09:16 am

I just pull out a large roll of brown paper that we bought home from my late uncle's 22 years ago, I haven't pull it out of it bag for about 15 years. It was well sealed as it in great condition, I am planning to give to the local school for art classes at the end of the year.

It will make some great brown paper gift wrap. I will never use it now so I may as well give to the school to do something with it. I have a friend who does the art classes so I know it will get used, last month I gave them some old printing paper for printer of 20 years ago the kind that had holes in them. I had 3/4 of box of it. They used it for blowing paint with a straw on large sleets spread across a number of desks so that 10 pupils could use it at the same time, she had over 220 eight year olds pupils that today. There is still some left over for next time.

Quite weekend here

March 29th, 2013 at 10:27 am

Its Easter weekend and we have two days with most things closed shops included. Today was one of them not that I mind as I not planning to do anything much in the way of going out. I visited two of my neighbours and had a visit from a lady who is a near neighbour asking could she have some greenery from my garden for her floral arrangements for the family gathering on Saturday it Hangi they are New Zealand Maori. I didnít mind as I am pruning my garden and some of what she was asking for is going soon!

I am not going to Adelaide in May now! With family problems down that way at the moment so it better to go at another time.

I got my tests done so far cost $535.00, it will cost more if I need to pay doctors gap charge, so I will now wait and see. $500 of that money was my excess was for hospital cover. I need to go back in 5 yearsí time. All was well but for small hiatus hernia so I just need change the way I do things at times and the new teeth will help too!

So happy Easter everyone!

Update on My Monthly Financial Summery for Period 10 - 2012

October 1st, 2012 at 09:23 am

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

I only just 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.

Reviewing my monthly daily living allowance

These are the categories for this challenge.
Items === Approx. Budget===Spent

Eating out===$35=====$10.90
Groceries===$125=== =$76.47
Clothes ====$35===== $24.00
HH items===$40
Fares== ====$15 ====$10.00
Entrainments== $15 ===$66.35
Garden =====$15======$7.00
Gifts & Donations ==$35===$45.60
Medical & Diabetes Expenses ===$6.05
Misc ======$10
Personal Allowance =$90 ===$85.34

Note only one amount is a no spend

Budgeted for this period $550 spent $292.27 so under budget by $252.73

No spending days 14 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 this period I finished paying off my painting and awning that were put on Credit Card it was $937.00.

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 $173.41

My grocery bill came in 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.

I am donating some old books to a number of charity stops around the place that I will never read or never read again as I need the plastic containers that they are stored in as this will save money by recycling the plastic containers that I own.

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.

Finished my Christmas shopping and giving to charities

December 16th, 2011 at 01:31 am

I only had a few things to get as I donít give that many present out now. My family is small and donít give a large expensive gifts to anyone. I believe in the thought that count side of gift giving, if you can afford to give a lot then do!

I always give to some charity or medical research but only what I can afford. This year I have given to the Salvos and Hospital search team asking for one more doctor for the team in Liver research.

Text is PA Research Foundation and Link is
PA Research Foundation Liver Appeal

Text is Liver Appeal brochure PDF and Link is
Liver Appeal brochure PDF

This Christmas the PA Research Foundation needs your help: Dr Elizabeth Powell and her team are addressing the toughest form of chronic liver disease; fibrosis or cirrhosis of the liver - which more often than not results in end stage liver disease where the only treatment option, if available, is a liver transplant. To achieve this urgent research the PA Research Team desperately needs $90,000 to be raised to engage a specialist researcher to support this project.

I think this will be doable!

This research may save lives in the future around the world because there sure arenít lot of donated livers around.

Want is it with some other charities; I keep getting requests for money with free items in them. I keep the free items because they have my name on them mainly address labels but thanks but no thanks. I donít give to this kind of charity because they are run by businesses and give a percentage of the earning to the charity whom name they used and itís quite small amount. Tick this box for a monthly donation of $50, $100 what who can afford this kind of donation when living below the poverty line in their country I sure canít.

Christmas Shopping

December 20th, 2010 at 06:39 am

That should say what Christmas shopping for the little of it that I done. Last week I went into the city on two days in a row, one was an outing with a friend and the other was medical appointments and paying a bill, plus buying a new black handbag for me that was on special. $49.95 down to $37.45. and some under wear that was on special that I wear. It pour down here on the way home a very old fashioned thunder storm , I caught the bus but got caught when I got off, I had to wait under an awing for nearly 30 minutes before I was able across the main road with the lights the traffic could see you and there was lighting around too! Anyway I got home safely.

On Saturday I went to buy my family gift cards as this is what they wonít. I only can afford token gifts so they know I will not go overboard $50 each and card. The others will get gift that I bought over the year and a one family will get a box of chocolates one that all ages can eat.

As I went with two different friends to the same store, I bought the chocolates on the second trip down. I also bought some jars of gherkins, sun dried tomatoes and 2 jars of olives for summer lunch next year all for me.

So my Christmas shopping came to $120 that included gifts cards plus my own gifts to myself. So you would say about $180 all out this year for gifts.

I wonít keep the retail sector going for long if everyone shopped the way I do!

Since the 10th December I have had six no spend days.

Annual Kerbside Pickup

November 1st, 2010 at 06:25 am

In our area itís this time of the year again, over a full year about 8 suburbs get a week get to put out rubbish thatís too big for our bins, you are allowed to put out only certain items but you do get a list of what can be put out. Like old electrical items or furniture but the some things you have to take any doors off to make them safe and children canít climb into them. I put out two very old TV 30 year plus ones, well the copper scavengers came calling the first night they took the electric cords off everything, next day some more came with cordless drills and took all the valuable metals inside the TVís and microwaves. They can have it as they had been sitting here for next Kerbside Pickup anyway.

I did a bit of scavenging myself; I found a good dinning room chair that just needs coat paint and cushion. 10 medium size garden pots that I have run out off, waste tidy bin that just need a wash, pair of old fashioned salt & pepper shakers that I will sell or give to Op Shop, Maui Girl brand new backpack, hemp shopping bag Save the Planet kind, folding cooler bag that will be ok to keep in the car, a print of old city will need to have better look at it but not valuable, piece of green cloth thick and big enough to make a bag or cover a stool with and small galvanized letter box still usable.

If I went out and bought this all stuff I would be looking at around $160 worth. The chair alone is worth $80 at IKEA new, Backpack $30 as itís a brand one and I pick up a second one just awhile ago not so new but washable again Maui Girl brand.

A lot stuff stored in cupboards

December 7th, 2009 at 11:10 pm

Someone said the other day Do remember what you have stored before you go and buy more.

This is very true, I must have bought over the years heaps of stuff from bargain bins as well closing down sales that I have been to over the years. So much so that my storage areas are now overflowing with stuff, all good and usable too! I now dont go to any closing down sales or even look in to many bargain bins anymore I just leave it all for others now. I may from time to time look at food bargain bin ones if its a great buy that I will use very soon then I may buy it.

I can get very mad with myself if I need something and then have bought it just because that I forgot that I had it in the store cupboard. I have bought over the years number items because I did direct selling at one time and finish up with a lot of stuff leftover that I still need to use up even now!. I just dont even think about buying these items in supermarkets or department stores now!

One cupboard is still full of beauty products as I dont go by best before dates, I will use them up if they still look ok to me as they are all still sealed. Most were samples or special deals that I got as I end up my own best customer so I got out that side line once I work this out.

Free Garage Sale found

April 12th, 2009 at 10:05 pm

Found a local Church that has FREE Garage Sales now & then, so as I was never able to find anyone to buy my stuff that I had in the first place and to void the sign finds by the local council $300 @ sign. One of my neighbor keep putting up signs when you have a garage sale but as you are the one advertising it you are the one who will get the fines as he put up six signs. It can cost you $1800 to make $40 to $100 not worth it and the stuff is not modern enough for some now!

I have now decided to donate some of it to them when they have their next one. As they do give it away for free to the needy. Some of it will go to other places as I dont think some of the books will be right for them. By looking at their books on the boxes to go by!

Now that I have a place for my junk to go to I now can make it my winter project and what doesnt go to them will be sent to the local school fete this year. Both these places dont change the earth for second hand goods either. Other charity shops think, if not under two years old or new in it original packaging/price tag on it or antique then they think its no good and will send it to the dump or what they keep, will then change people almost the price new for it! My idea of all second goods should never sell for more than 40% of their original price when bought new. The other day I was looking at cookbook that I wanted for a set that I am making up, I only have 6 books to go, I found one of them but they wanted $6 for it, when I bought all others for under $2 each and they were around $2.99 each to start off with new. I left it there too!

I did pick up a cookbook & a glass pie plate at the free garage sale.

It was a no spending day too!

More Free Stuff dropped off.

February 11th, 2008 at 09:01 am

My neighbor that owns the property that I got the first lot of free stuff came over and gave me a plastic bag with a lot of jewelry in it. I did take most of the jewelry the first lot too! There are some interesting pieces in it. The necklaces I may never wear so may send them to my niece, as she did this kind many years ago. Two or three pieces I do like and where were some sterling silver charms in the first lot and the charm bracelet has surface with this lot. I would sell some of this stuff later if I became short of money. Letís say some of this stuff is of vintage kind. Some of this stuff was put up for sale at garage sale at one time but never sold that was five years ago.

No Spending Day :9

Itís Now Rumble Ö.

February 6th, 2008 at 07:07 pm

You remember all that free stuff that I left behind for others to take or move. Itís all now rumble the tree lopper came in on Monday morning and a large crane came in yesterday and did the rest, if the rain didnít get to it first. Anything that was left is now under the rumble, this includes some furniture too! These people get you to do everything for them. Another neighbor went to get some garden plants that needed to be moved. They wanted her to move them for them, they just watching her and were bit upset when she took them home. Want her to redo they garden for them as half their garden had to go at they place too!

No Spending Days 6

Free stuff

February 1st, 2008 at 11:02 am

Why do people leave stuff with families that are renting, then they do a runner leaving no forwarding address after 6 months the owner need to move it as they are pulling the house down next week to build eight apartments, as they know I am bookworm they asked me if I would go though it for them. I did collect only the stuff I could use. I got a very nice saucepan & measuring jug that had been in the yard, yes all this stuff had been outside on a patio for six month. Some boxes of jewelry and number of books on history (I did leave the books that I would never use) and Lord of Rings game to paint. What I did take I will give some away to others. Stuff toys and children linen given too others. The person did have unusual interest in some things. I donít know what will happen to the rest of the stuff, I could take the rest to the op shops but then I will need to carry it over to my place, there is far too much stuff to do that and they have a truck to take it but it will end up in the dump for all I know.

Weíre dropping inÖ

January 26th, 2008 at 08:56 am

Well I have been busy cleaning up my house for visitors, who were on the way to the airport from their holiday unit on the Gold Coast. They did come to visit me; itís almost 18 years since the last time the husband has been up here, my niece does come more often though this time their children were with them and it a first time visit to the family home. You got it right; I live in the family home and that has been in the family for three generation now. Itís a house that my great aunt built for her retirement just after WW11 before that the family lived in another house near by since 1913.

My niece and her family live in an old stone Federation house in a country town that why she is getting some pieces that belonged to her grandparents. Today I gave the young boy, small toy cannon and the girl got some of my belts, she is a young model so they may come in handy for her. Classic belts donít go out of style but I donít wear them anymore, some were over forty years old too!