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5th Monthly Financial Summery for 2015

June 29th, 2015 at 01:44 am

Here is my summery for May

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

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

Items === Approx. Budget===Spent

Eating out===$35=====$27.40
Groceries===$125=== =$167.59
Non-Food===$15
Clothes ====$35=====$95.00
Grooming===$20 ====$35.95
Gas======$20
HH items===$40======$1.50
Fares== ====$15
Entrainments== $15
Garden =====$15
Gifts & Donations ==$35====$57.50
Medical & Diabetes Expenses ===$70====$118.30
Misc ======$10========$121.00
Personal Allowance =$90 ===$90.99

Note only one amount is a No Spend

No Spending Days 13 of 28 days

Budgeted for this period $550 spent $715.23 over by $165.23 on general spending.

This is because I have paid deposit of $121.00 for Awing for one of my windows with another two being paid by my insurance company. I also had a medical bill out pocket of $118.30 from skin specialist. Taking out these two items of $286.30 I still am under in my spending $428.93.

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 $335.00 this period.

Grocery allotment $125 for each period it was over by $42.59 this period.

Strategy - Track your daily spending down to the cent by writing it down daily.

Roof Replacement Update

June 26th, 2015 at 01:36 pm

Is on its way after a long wait of almost 7 months since the storm hit. When you have over 70,000 roofs to be replaced and limit number of tradesmen to do it all and still build new houses it a big ask.

Owing to our cyclone codes here it has to be done to that standard and all jobs have to the latest codes.

My house had asbestos roof at one stage and all that rubbish was left in the roof and not removed so it wasn't up to days code standard so I had a bit of wait for them go ahead with the job after they put up all scaffolding as they had get it reviewed by the insurance company for the extra cost.

They are now back and putting on the new roof and hope to be finish it soon. A lot of the houses around here have scaffolding up and work men working on them.

House Repairs after the Storm

June 8th, 2015 at 11:19 pm

They are still not done but it's on its way, so by the end of June, I should have 99% of the work done.
I had that job done but whether it has been done right it's another matter. At least I have a State company doing it, some roofers are coming from oversea and interstate to do the work but are doing it wrong as we have different codes here than some of other states because of the Cyclones which means a lot more roof nails and special tying down code has to be done and they doing as their own codes and with all the rain we have had in the last few months, some of the roofs are leaking and causing more damage and insurance companies now checking the work with other Asser's to see everyone doing the right thing. All the companies that are doing my work are Asser's firms.

S-t-r-e-t-c-h those Dollars even more

February 5th, 2015 at 03:06 pm

We had major hail storm in my area late last year; I am down for a new roof and a few other things that need to be replaced. The insurance company will pay up but only if I have some maintenance done on one part of the roof first. I have tried to get someone to do this work so that other jobs can be done. Out of the three companies that contacted only one came up with a quote and call here. I will go with this company now. It's over month now since I was told about the maintenance to be done and all were called that day. Now if there was no work then the quote most likely cheaper but with two major storms within two weeks and over million widows broken and over 50 suburbs in trouble from the hailstorm alone. Some houses still have boards over windows and will not be look at before end of March, as for getting a tradespersons that can do insurance work you are lucky if one is around before middle of 2016 for any other jobs.

The quote is under my maximum price but a bit on high side. I am looking at a bill for $3800. It's lucky I have my suppuration rainy account to fall back on but I must top it up again so I will be stretching those dollars a little bit more.

I am only keeping this house liveable but not at resale standard. So only maintenance jobs that I have to do will get done.

It's lucky that my car was not Hail damaged it was in the garage as all of them are being written off.

Replacing Necessary Appliance

September 1st, 2014 at 01:17 am

One major purchase I had while offline, I had to replace my refrigerator. They sure don't make them like the old ones these days. As my rust bucket fridge downstairs is still working after 32 years.

It was only 10 years old and not worth spending a lot of money on getting it fixed either. So over $1300 was spent on replacing it. I had the money saved for new washing machine so I didn't need to panic about it.

Now I am saving money again for my washing machine replacement as I am not planning to have it fixed, just will replace it when its time it's almost 30 years old and there are no spare parts for it now!

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.

10th Monthly Financial Summery for 2013

December 21st, 2013 at 01:48 am

Here is my Financial Summery for October 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=====$37.00
Groceries===$125=== =$66.22
Non-Food===$15
Clothes ====$35=====$8.00
Grooming===$20
Gas======$20
HH items===$40=======$35.00
Fares== ====$15 ======$10.00
Entrainments== $15
Garden =====$15 =====$9.50
Gifts & Donations ==$35 ===$24.20
Medical & Diabetes Expenses ===$70====$5.90
Misc ======$10===========$2.00
Personal Allowance =$90 ===$118.70

Note only one amount is a No Spend

Budgeted for this period $550 spent $316.52 under by $290.41

No Spending Days 11 of 28 days

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

** 3 year subscription to Diabetic living $87.00 - 39%off @ $4.83 per copy (RRP $7.95 x 18 copies)

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 $2053.00 this period.

Grocery allotment $125 for each period it was under by $58.78 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.

Finally I am back been busy!

December 16th, 2013 at 12:19 pm

I have been very busy working on doing some renovations in some rooms here. Getting all the stuff that I collected over 40 years is hard to pack up and move it to other rooms so they could get at these rooms. I have had a new kitchen and breakfast room makeover done. I still am doing some painting that will be finished in January sometime owing to festive and school holidays and lot of people take this period off for their annual holidays.

At the moment I am working on my pantry which had to be done as well. I was planning to move the pantry into the kitchen but this is not going to happen now! I am putting it back as before minus a few things and replanning it if I can.

I did repaint it and had new shelving put there, so it good to go for the rest of my time here. I can't move any shelving around as they are fixed to fit the old shelving spacing. The cabinetmaker had to remove then cut each shelf to fit too!

I don't know if I have a before work photo I will one if I have. They went up in 1951 so it was time to a refit there. When I am finish repacking it I will post a photo of it.



After painting it but before fitting out with new shelving. These shelves are at least 40 plus years old.
.
Strategy - If it can be fixed then repair it, but use the less than half rule on replacement costs

Strategy - If it can't be fixed then buy or replace it within your means. You don't to buy everything new either!

I will need to catch on my financial summaries soon I am way behind on them!

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.

Update on My Monthly Financial Summery for Period 8 - 2012

August 19th, 2012 at 01:57 am

Itís time that I updated here before others things do get in the away again.

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

This for one 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=====$22.15
Groceries===$125=== =$76.11
Non-Food===$15=====$3.00
Clothes ====$35====$54.85
Grooming===$20=====$45.00
Gas======$25
HH items===$40====$2.00
Fares== ====$15
Entrainments== $15 ===$455.00
Garden =====$15
Gifts & Donations ==$35
Medical & Diabetes Expenses ===$70=====$13.05
Misc ======$10
Personal Allowance =$90 ===$50.89

Note only one amount is a no spend

Budgeted for this period $ 540 spent $757.05 so over budget by $217.05

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.

I did buy a new camera and paid the deposit for the painting $1000, this period one is under bills and the other come in under entertainment spending.

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 for this period it came to $146.00

The 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. 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.

Strategy: - Track your daily spending down to the cent by writing it down daily.

The painter has finished

August 17th, 2012 at 01:46 am

Early this week the painter finished his job and was paid in full. It was a good job and some of the neighbours ask for his card so he may get more work around here later on. I did pay him as planned with the final payment in the form of a bank cheque and got him sign to say that he has been paid in full, this is now filed way. The new awnings will arrived next week hopefully this should complete the job on the outside that I canít do myself. I will look at doing all the gates and poles on the front fence over next few months. I may need to buy another can of green paint to finish this job off.

My next major project is a new kitchen which I will need to save for now! I will still keep money aside for a replacement of my washing machine when it breakdown next. Planning my money around need not wants have kept me on a level playing field just by knowing that the money is there to buy things when they are needed and not have go out get a loan that I canít afford to repay.

It has been quite here and I am still reading my list of books more have arrived in the Thursday post all four books on order arrived together.

I will need to update cost of living figures here soon as I am a month behind!