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Update on My Monthly Financial Summery for 2012

May 17th, 2012 at 12:43 pm

Itís time that I posted, before others things did get in the away again.

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

This for Two periods 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===$70.00=====$22.95
Groceries===$271.00=== =$229.28
Non-Food===$30.00=====$21.43
Clothes ====$70.00====$7.18
Grooming===$30.00===$20.00
Gas======$50.00
Pets====== $100.00=== $171.25
HH items===$80.00====$11.94
Fares== ====$30.00
Entrainments== $30.00
Garden =====$30.00
Gifts & Donations ==$70.00===$42
Medical & Diabetes Expenses ===$140==$377.06
Misc ======$20.00
Personal Allowance =$180.00 ===$120.38

Note only one amount is a no spend in that category

Budgeted for this period $1200 spent $1023.52 so under budget by $176.48

No spending days22 of 56 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 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 for these two periods it came to $2867.85

My grocery bill came in under budget for these periods.

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 these 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.

My last Cat has passed away!

April 13th, 2012 at 09:08 pm

In the last day or so my last cat took ill and wasn't breathing properly, so at 15 years it was best to put him down. I took at his food, odd and end to pet welfare shelter and paid for him to be putdown. I have told my son that I will not have any more pets here.

I have spent the last 16 years caring for my sonís unwanted pets at my cost and not being able to get away for a holiday as I couldnít get anyone to care for them.

Sick cats were making me ill so itís no more pets at all, it better if I donate some money instead.

Focusing on my Food & Grocery Spending

January 24th, 2012 at 02:12 am

I think I could find some spare money in my budget if I focused on my food spending for a while.

These will be my target area to work on for now!

Non -Food ---$221--------$184.52---------under target by $36.48
Pets -----------$650------$547.26--------under target by $102.74
Eating out ----$455--------$560.05--------over target by $105.05
Groceries ----$1755-------$1601.08-------under target by $160.42

So money that I have to work with $3081 using 2011 target budget amounts.

In 2011, I came under by [$3081 -2893.10] = $187.90 so I would like to see a bigger drop in this figure this year. Without changing my lifestyle that much knowing that I can cutback harder if things change around here. So itís to focusing and planning what I intend to do here.

So what strategies do I plan to use to reduce this further with cost of living going up here and my income is only age pension.

I will start with the easiest on first Non-food, this is area mainly covered by items that I canít eat like Toilet paper, paper towels, and some cleaning items that I need to buy. If do a stocktake of these items, I may find that I will only need buy toilet paper this year. By looking online and some in of my books I will find replacement for other cleaning items.

Next easiest one is Pets this includes cat food and litter for them. As they are old cats I will not be retraining them with new ideas but focusing on any wasteful habits and paying more attention to what they eat. They flea and vet treatments are covered in the bill area of my budget so are not included here. But will try to find ways of reducing these as well.

Now time to think about my food out as I like to call it! This area I can control to a degree but not all the way. I have 12 planned lunch dates each year which I just go along with cost can between $9.00 and $26.00 each time at current prices. Then you have 5 birthday dinners or lunches that can cost around $30.00 each time at current prices. But will not go if it gets above this unless itís a wedding which a once in blue moon event. Now the other lunches I can reduce or not have depending on my time schedule when out. I do try to keep these to under $12.00 where possible.

So where does that leave my food out budget, thus having budgeted for $350 outing with family and friend as socialising and form of entertainment. I do keep a float aside of $35.00 so that if asked out I can go will out worrying if I can afford that week. I am trying to get the family to eat at home more but itís an uphill battle.

I will review my grocery shopping in my next post.

10th Monthly Financial Summery for 2011

October 30th, 2011 at 04:12 am

I am a very late in putting up my monthly, others things did get in the away this time but thatís another story which you have been reading about lately here. I only just updated my Excel so here are the figures for last month.

As I work on 28 day cycles, my dates may be out to a calendar months so here are the figures for my last period.


Itís time to start again on reviewing my monthly daily living allowance.

These are the categories for this challenge.

Items === Approx. Budget===Spent
Eating out===$35.00=====$22.00
Groceries===$135.50 ==== $78.18
Non-Food===$17.00=====$7.72
Clothes ====$35.00=====$105.50
Grooming===$15.00=====$35.00
Gas======$ 25.00=======$8.00
Pets====== $50.00=== ==$63.19
HH items===$42.50=====$40.44
Fares== ====$9.00====$20.00
Entrainments= $12.00
Garden =====$10.00
Gifts & Donations =$35.00===$3.00
Medical =====$15.00======$37.15
Diabetes Expenses====$50
Misc ======$9.00
Personal Allowance =$85.00 ====$58.29

Note only one amount is a no spend
Budgeted for this period $580 spent $478.38 so under budget by $101.62

No Spending days over the 28 days = 7 days in total.

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 this is the extra out of pockets amounts that came up this month just on medicine
As for my medical visits out of pocket expensive if they are related to Diabetes then I will class them as Diabetes Expenses will come under this new category.
Diabetes Expenses Ė nil

A most will be one off items or once per year expenses. But I need to track these items on my small budget and pension. Each time I pay for some things in this category I will need to cut something in other categories.

My credit cards are still paid in full each month.

Spending on books and papers $38.80 for the month including 4 papers.

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. This month bills were around $ 378.80 so balance banked this month. This fund does cover all my fixed bills for the year if I can stick to this schedule as I have done for the past ten years or so. On my budget excel modelling chart I can pay the full amount this year.

As for food out, I dined out 4 times this month costing between $5 & $9 a time most were around the $9 mark as I can no longer eat at fast food outlets. That $9.00 meals at casino is still looking the healthiest and best deal in the city for now.

My grocery bill came in under budget for this month.

My clothes and grooming budget was well over this month I bought 4 new bras and only paid for 3 and had a watch battery replaced along a haircut.

Most of my social outing are dining out this is part of my social outings money and spending allowance.
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.

Still need to work on a few categories as you can see but over all I had a good month.

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

Free Food

September 29th, 2011 at 04:18 am

One of my neighbours just came over with a bag of food left at her place by house sitter while overseas. They donít eat these foods normally, and the fish has bones in it that my cats may like to eat it!



Yes red salmon has some bones but my cats are not going to get much of it @ $5.99 a can and $3.99 for the small can. The soup packets are $1.89 each and can of soups are around $2.49 can here. You guess it I will eat the lot myself thanks very much!
Value Total$26.62 that helps $-t-r-e-t-c-h the budget quite nicely.

Shopping, my way on Cat & Dog Food

September 13th, 2011 at 02:27 am

This is the seventh in this series

For someone living from pay check to pay check this system may not work for you.
I allow a budget fixed amount to care for my cats each year excluding trips to the vetÔŅĹs as I have a float for that and the float money from my last trip to the vetÔŅĹs is back up to $500 again plus the cost of their flea treatments. My goal each year is to come under this amount so far I have won this battle and I have had these cats for almost 15 years.



I buy a clumping cat litter as this what my cats like to use. This is the store brand one, as I donÔŅĹt like to have to drive my car to the supermarket very week, I try to buy enough to last 3 weeks ,same with the cat food except for the store brand one, that one of my cat likes and itÔŅĹs the cheapest by far @ 69c! I buy enough this one until I am back into that supermarket chain again or when I get down to the last can. I only buy on special, I check each week the catalogues for good buys in the brand that they will eat. I will drop in and buy if the price is right. As the amount I buy depends on the price and how much I still have in stock from the last buying trip. Normally the price is around RRP $1.59 per can, I will try to buy it around a $1.25 or less the lower the price the more I will buy. If it even comes down 89c again then I will make extra trips to buy as many as I can up to 100 cans.

As for dry cats food I buy three different varieties for them. I will have in stock about 3 packets unopened so that I donÔŅĹt just go shopping for this item. Lately our supermarkets have lowered their prices on some of their goods and these are just one of those lines that now rarely go on special now! If they do go on special then I buy extras that week.

As for vet supplies the online company I deal with here is

Text is Priceless pets and Link is http://www.pricelesspets.com.au/product-categories
Priceless pets I buy enough to last 6 months at a time. This does save on postage again check the sizes and prices before you order. When I went to the vetÔŅĹs he told me to change brands for a while when ordering online, I have been using Revolution for a few years now, told to change to Advantage for a while different formula but both do the same job as I have 2 cats the same size I buy the 2x 6 packs do check the price of these items at the local pet shop and online.



If things get tough in the future then I will be taking a closer look at some of these websites.

Google -- cat and dog food recipes

I came up with two gems but there are many more there but watch out for ones selling you stuff as you can find a lot of this information for free.
Text is Pet Food Cooking Recipes and Link is http://www.ability.org.uk/pet_food_cooking_recipes.html
Pet Food Cooking Recipes

Text is this one and Link is http://www.simplypets.com/pet-recipes/
this one looks interesting that I may try some of them at some time.

Senior moment!

August 17th, 2011 at 02:14 pm

I did take the Cat for his after operation check and then asked why I didnít get my senior card discount like I did on the first visit, I do know that I forgot to show it again but found out that they should have put it on his file so that discount would be automatic come off next time. So I asked the vet and was told to come back on Tuesday which I did and got $23.00 off the total. In the end all up I paid $575.40 for one tooth removed and cleaning of the mouth. He is fine now and reclaiming my bed if he can.



His quilt cover

Strategy - Ask about any discounts and donít worry if you forgot to ask about it, worse they can say is NO so just ask.

Catís operation went well.

August 10th, 2011 at 02:22 pm

He is home and much better, he didnít need to have his teeth pulled but one needed a filling and every needed teeth clean. He has a sore under his tongue and this was cause the infection in his mouth. He doesnít like car rides at all, but will go into the cat carrier without to much fuss. He has to go again on Saturday morning for a post op check and see if he needs another needle, I hope not at $75.00 each. Todayís operation cost $469.00 with the visit on Saturday included.
For 14 Ĺ year old I was told his was healthy for his age.

This is post op shot him.

7th Monthly Financial Summery for 2011

August 7th, 2011 at 01:20 pm

I am a little late in putting up my monthly balance others things do get in the away at times, my cat is doing fine until his operation on next Wednesday to have his teeth removed so far its only two of them.

~~~~~
As I work on 28 day cycles, my dates may be out to a calendar months so here are the figures for my last period.

Itís time to start again on reviewing my monthly daily living allowance.

These are the categories for this challenge.
Items === Approx Budget===Spent
Eating out===$35.00=====$38.05
Groceries===$135.50 ==== $77.51
Non-Food===$17.00=====$18.75
Clothes ====$35.00======$17.90
Grooming===$15.00=====$6.49
Gas======$25.00 ======$25.30
Pets====== $50.00=== ==$4.14
HH items===$42.50=====$44.64
Fares== ====$9.00
Entrainments= $12.00 ====$26.00
Garden =====$10.00
Gifts & Donations =$35.00===$71.50
Medical =====$15.00======$25.00
Diabetes Expenses====$50
Misc ======$9.00
Personal Allowance =$85.00 ====$138.89

Note only one amount is a no spend
Budgeted for this period $580 spent $495.17 so under budget by $84.83

No Spending days over the 28 days = 15 days in total.

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 this is the extra out of pockets amounts that came up this month just on medicine. Vitamin D 250 capsules saving on these was $19.95 on the bottle I first bought.

As for my medical visits out of pocket expensive if they are related to Diabetes then I will class them as Diabetes Expenses will come under this new category. Diabetes Expenses Ė nil

A most will be one off items or once per year expenses. But I need to track these items on my small budget and pension. Each time I pay for some thing in this category I will need to cut something in other categories.

My credit cards are still paid in full each month.

My one big over spend this month was on books as one of the bookstores had a closing down sale Borders here and non- fiction books were going for 75% off so I stocked up on a few that were on my wish list to buy! Spending $100.74 for the month including 4 papers.

I had to buy a birthday gift this month a watch, now I will have to pay for it to be engraved out of next month budget.

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. This month bills were around $177 so balance banked this month. These funds do cover all my fixed bills for the year if I can stick to this schedule as I have done for the past ten years or so. On my budget excel modelling chart I can pay the full amount this year.

As for food out, I dined out 4 times this month costing between $5 & $9 a time most were around the $9 mark as I can no longer eat at fast food outlets. That $9.00 meals at casino is still looking the healthiest and best deal in the city for now.

My grocery bill came in normal for this month and I was stockpiling a few items both food items and non-food items.

Most of my social outing are dining out this is part of my social outings money and spending allowance.
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. Still need to work on a few categories as you can see but over all I had a good month.

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