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Paying Insurances and other bills

February 6th, 2013 at 12:21 am

Finally I can pay my insurance bills that I was worried about! I spoke about them in these posts.
Tomorrow I will going to the city, can pay up all these and no long worry about them then start saving again after I pay the last two next month.

http://tightwadkitty.savingadvice.com/2012/09/01/starting-ov...

http://tightwadkitty.savingadvice.com/2012/12/14/review-of-m...

One quote that I set my upper limit at was $650 higher than the final bill. Some households can't just afford to pay insurance on their houses, and after the last flood last week, it may only get higher again next year.

Well my house and contents insurance bill came in $349 above last year about 29% rise. I do have a very low risk of ever flooding here as I am the same height as the hospital helicopter port which is about six stories high on top of the hospital.

My car insurance which is due only 2 weeks earlier has a rise $43 about 9% up on last year. Value has gone down through. But as I get discount by having them all with one company and a senior discount on top this, so I will stay with insurance for another year and review again next year.

As for other bills I will paying my dental bill that I put on my credit card last month and advance payment on the IP bill as I need to make sure that all my bills are paid before the 14 February as I may not be available to pay any after that date and tomorrow is my last day in the city before then. All I need to do now is make sure there is enough money in the bank to pay all these.

I will do a final review of this Bill Challenge in another post. Then will set a new challenge for the balance of the year.

Everything has to go on hold from February 14 as I will not know what I will be doing for a few weeks even I may not be able to come online either. Nothing to worry about either just civil duty service work that I am not too old to do!

No spending days here !

January 7th, 2013 at 02:36 am

Three out of the last four days have been no spending days, I did go up the street to the shopping area today and into the one shop but never bought anything at all just checked prices so that I can buy my diabetic lancets at the best price which I will need by next pay day. These are only thing that I have to buy at full price as I got the Diabetic Blood Glucose Meter for free after cash back deal and test strips via National Health Scheme for around $1.70 instead of about $16.00. I am will have to pay about $18.69 (this is $2.00 RRP now) or below that for the box 100 lancets. I have a number of discount chemists around this area so will be checking out them all their prices before I buy them.

Vandals smashed the bus stop glass panels this morning what a mess, glass everywhere. I donít like this sort of thing at any time. Its school holidays here so the teenagers are bored.

Tomorrow I go to the dentist so it will be a spending day again.

Logging in after being offline for a few days!

December 28th, 2012 at 12:05 am

I hope everyone had a lovely Christmas and seasonal holidays where ever you live!

I went to a five star hotel for Christmas lunch this year. It was a nice smorgasbord kind of thing about 200 people for lunch. There were eight of us in our own group seven were relations and one family friend. We had turkey, ham, chicken, all hot plus baked vegetables and lot of salads, prawns and large oysters just to name a few things you could eat. There were lots of little cakes and mini plum puddings and custard along with Christmas candy. Drinks were what you paid for when bought your ticket months ago. At our table there six were non -drinkers as we had two children. Drinks were non- stop for over two hours all house wine and beers and non- drinkers we had diet coke and lemonade or other drinks. At the end we had coffee for those who wanted it! Children under 12 got a gift from Santa and if under seven they meal was free too!

I am now looking forward to watching TV on New Year eve. Two of my favourite shows will be on then. Both are English reply plays Edinburgh Tattoo and Night at Proms ĖVienna that are show on New Year Eve here.

As for being offline, I was downloading some ebooks and my anti-virus failed twice and I got a page saying that I use up all my Gigabits for the month. As I only have a small amount I still didnít think I should have used that much as I have never use it in the past year when I was paying for higher amount. So I went offline for an few days then retried my internet Wi-Fi and found I still had over 2G left so will go easy on downloads until next middle of month.

New Glasses and Christmas Shopping

December 5th, 2012 at 02:35 am

I had a spending spree of sorts today I had to order some new glasses at certain shopping centre as my optical store closed down and the staff move elsewhere. I paid for them via cash and medical benefit refund they cost $179, I will pick them up in the New Year as I am in no hurry for them. I get a new pair each year so I have enough pairs around the house. I handed in 5 old pairs of glasses so they can be recycled for those who canít afford them in poorer counties. Itís a system that optical store do here.

While I was out I posted a Christmas parcel then did my grocery shopping for the things that were on special that I wanted for December. After having Subway sub and coffee I went to find some Christmas ideas and presents for last few on my list. I got a comfort and toiletries gift for one person which I thought I was paying full price for but it was on special as was the other gift that I bought for the other person which was grocery hamper and both of them had 20% off, I was happy about that!

Also I bought tins of biscuits and candy for other gifts as shocking fillers or extra gifts.

I had a very long walk today so my exercise of walking took hours today. Medical research is now telling us Ďwe are sitting too long now these days and this not good for our healthí. Well I walked and stood for over 5 hours around this shopping centre today. I struck at it until I got all on my list finished so I wouldnít have to go again to the shops as the school children finish up this Friday for their annual summer holidays. No parking or very little park in shopping centres after this date or at least none in the shade at 39 degrees C. I was very tried by the time I got back to car to drive home.

I will only shop locally from now on until they go back to school.

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
Non-Food===$15=====$11.00
Clothes ====$35=====$95.75
Grooming===$20=====$175.5
Gas======$25
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

INGREDIENTS
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%)

METHOD
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.

http://www.optuszoo.com.au/news/state/brisbane-times/another...

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.

Total Solar Eclipse in North Queensland

November 13th, 2012 at 11:25 am

At 6.38am EST I may see a particle eclipse here I have to go around the corner but I may view it by
http://events.slooh.com/ and listen to it on the Radio 612 at the same time.

Let you know how I go.

Updates I have found where sun is here as it's blocked out by Apartments across the road.
The Sun is now coming into my computer room that I have my sunglasses on now.

I had a look on the website link plus the local TV channel that was viewing from Palm Cove
http://news.ninemsn.com.au/technology/2012/11/09/10/06/ninem... while listening to the radio and seeing the sun outside which was to bright to view.

Painting update

August 1st, 2012 at 02:42 am

Well I paid my next progress payment of $1500 to painter today. I did have a bit of the run around to get the money. I went to one shopping centre to make a withdrawal but that branch closed last month so had to drive to another branch to get the money. It goes to say that I donít withdraw money out that often via a teller. Will need to make the final payment with a bank cheque as I donít like having large amounts of money around the place. This will prove that I did pay him if it ever came to that.

The job is looking good and very clean should take another week and a bit to do. He is on the final side but for 10 foot area near the stairs. I will need to get new awnings which will be an extra cost, the one I do have are too old and unrepairable to make them look good. They are on the sunniest side of the house. If I sold the house I would need to replace ASAP and area where they are would be not painted this time too! At 60 years old they are ready to go. I have someone calling Monday about them and will get a quote.

This and that!

July 26th, 2012 at 01:37 am

The painter has been here a week now! One side of the house is done plus the garage so far. I only have paid him a minimum deposit. I will pay progress payments up to half of the full amount and balance on completion. Work done so far is very professional so no worry about stranded of the work.

I have bought a new camera which I hope to use in the near future at a friendís wedding. As for clothes I will borrow an outfit from a friend, who has more formal outfits than I have, we are almost the same size. My last one I bought was for my sonís wedding eleven years ago.

I am still reading my way through my list of new novels about two per week. So not spending so much time on my computer as before, I think I was over doing it at times.