After a late Friday night (full of laughing and talking with our tattooist... well, we were laughing and talking and DH just grimaced for most of it it was in a painful spot on his arm...) I'm up late after a nice sleep in (til nearly 9am!!)and about to start a weekend chock full of study!
Thought I would update, first though...
The guy who bought the tyres has just picked them up and given us the $60 he owes us. The lady who bought the cabinet dropped by on Thursday to pay $50 off and buy 10 cupcakes she asked me to make for her. She asked if she could pay for the rest of the cabinet next week, as she is a bit short of money this week due to unexpected kids expenses (totally understand - my mum deals with this all the time), I told her it was fine. She is a lovely lady, single with two kids and I think she is doing it tough (obviously not too tough as she can buy cupcakes!). I have her address and phone number, and she has already given us $60 toward it. We could sell it again for no hassles if she changed her mind.
Also, she asked if I made birthday cakes I doubt my abilities with cake decorating, even though that is what I am employed to do. (BTW, 'cake-decorating' as a term, when I use it anyway, actually means: making the cake, and then decorating it... in case people are confused!) I don't like making things for people I know, or people who seek me out as an individual. I am afraid they won't like what I do. I need to get over this, as I realise I can make some pretty good-looking and great-tasting cakes most of the time. (sometimes... most times... better than my boss shh, don't tell him I said that...)
I just don't have any of the supplies or equipment to make them at my house. DH is always encouraging me to 'invest' in these things and I think it's an unneeded expense. Maybe not. I don't know? I could probably make some good side-money, and even if I just bought the decorating equipment and left the actual cake-baking to be done at work, in my own time and paid for the scratch ingredients from my boss. Things to think about, I guess.
Heard back from one of the jobs, unsuccessful. (what a surprise... not). I suppose I will not hear from the other ones. I do not always get an email saying I was unsuccesful, they usually just leave you hanging. Nice.
I have begun taking some pre-conception vitamins (holy dooly, are they expensive! I don't take vitamins as our diet is varied and healthy, but I figured I probably should for this as it's recommended... even at a discount chemist a months supply is $20) DH had a doctors appointment on Thursday and has to get some blood tests done next week. I also have to find a doctor, and get a check up. And go to the dentist. Sigh. Next week...
My best friend quit. It was the day after she had that guilt-trip from my boss's wife, and after I had that horrible phone conversation with her too. I did not work that day (worked at my other job), but the next day (thursday) I went in and my boss was SUPER nice to me. Almost too nice. I guess he is afraid that I will up and leave too, because of his wife. You know... even though he is a really nice guy (apart from the lying and obsession with his social status) I wish I was offered a job right now, just so I could ring up his wife and say 'I quit, and it's because of you and your unprofessionalism'.
I know, it's a bit low and immature. But look at what I have had to put up with! Would you really blame me??
My boss would survive. He's worked very long days before. Perhaps his wife will have to help out at the shop a bit more than her token once-a-month visit?
DH has some work this week which is great. Even though he's had a few weeks off, our bank account is still looking healthy.
We have been doing the weekly grocery shop on Saturdays or Sundays, together. It is easier for me this way and saves time with DH coming. (Even though he usually wanders around looking at other stuff). This week looks like it will be a really small shop: we have so much stuff in our pantry it's ridiculous, even though I have not bought a lot of stuff over the past couple of weeks either.
We're doing the shop tomorrow (Sunday) and I am going to make our meal plan off what we have in the pantry, and just nip into town for the essentials, and fresh fruit and veges.
I'm thinking our meal plan will go something like this:
sweet & sour tofu with egg noodles
pumpkin & cashew stirfry with basmati rice
baked fish, salad & sweet potato
mexican beans & rice
steamed vegetables, tofu & rice
We ate our first bananas since January, last week!!! It was very exciting for us. Since the floods in January bananas have been about $15-$20 a kilogram. Doesn't matter if they are organic or not, price is the same. Well, shopping at our local organic grocer we spied them at $9.99 a kilogram so we bought four little golden, beautiful, sweet cavendish. They were lovely! The oranges have been delicious lately too...
DH is having sellers remorse on some of the items we sold at the garage sale oh well. He sold a PS1 for $7 with a whole heap of games, a chip, two guns etc. His uncle rang him the next day to see if he still had it, and said he would have given him $40! Even still, last night our tattooist said he would have given us $60! What are the chances?! (But, it went to a young high school girl who is no doubt going to have a lot of fun with it... I personally think it went to a good home). In the end, we made $450 and I think the reason we made that much was because our prices indicated we wanted to sell the stuff, not have people umm and aah over the price, but instead go 'hey! I'm going to buy that! Right now!'.
The coffee table (the one I didn't want him to sell! lol!) he sold for $40. Then two people came back that had been in the morning to ask about it, and asked how much he sold it for. LOL. But like the PS1, it has a nice selling-story to it too: the guy bought it because he wants to teach his grand-daughter to play chess. I mean, could you ask for it to go to a better home?!
And lastly, my poor baby Banjo!!! Earlier this week, he kept licking his face and seemed to not be closing his mouth. (He is a dog that pants half the time... so I wasn't especially worried at first, but then it got to a stage where I was a little worried). We tried looking at his gums and teeth, nothing. His breath was a lot smellier than normal. I took him to the vet on Thursday. The vet looked at his gums and teeth (as DH and I did), couldn't find anything, suggested maybe he had a sore throat and got a flashlight to inspect the inside of his mouth. Opens Banjo's mouth and what do we find, but a piece of a stick jammed in the roof of his mouth, horizontally between the molars on the left and right side! (hard to describe...) The vet said 'ahh, this is your problem!' quickly reached in and pulled it out. Our poor Banjo must have had it in for a few days, two great big holes on the inner side right next to his teeth and huge cut across the roof of his mouth (and blood!). The vet gave us some painkillers and antibiotics to clear up the infection. He asked if Banjo had trouble eating or drinking. Nope! I had even given him a bone the day before. Our vet laughed and said 'This ones a tought nut!'
On the trip home he sat in the front seat and when I looked over, he was curled up in a little ball with his paws on his snout. Fresh pain after getting it pulled out... ouch. He was a brave little fellow. I feel so bad that I didn't know, but the vet said unless you knew what to look for you wouldn't have known - he said he didn't expect to find that at all, he just thought Banjo had a sore throat, and that you wouldn't have been able to see without a light, as the roof of Banjo's mouth is speckled anyway, the stick was pretty much camoflaged. Poor Banjo!!! Total cost $70.25 for short vet visit, A/B & pain meds. (worth every penny I should add!!!!)
Here are some pictures of the last time we took them out, to my little sisters birthday picnic in the park:
Viewing the 'Goals' Category
After a late Friday night (full of laughing and talking with our tattooist... well, we were laughing and talking and DH just grimaced for most of it it was in a painful spot on his arm...) I'm up late after a nice sleep in (til nearly 9am!!)and about to start a weekend chock full of study!
I just checked my account and my tax refund has been cleared. Yay! That means DH's will go through tomorrow.
(I had done mine and looked at the pile of reciepts for DH's and decided to post-pone it to the next night. And thank goodness, it took me nearly an hour!)
I have been inspired again reading Ceejays blog to start a short and sweet health kick regime. Even though we *are* much healthier right now than a month ago (and even then - we were much healthier than a lot of people we know!) I have found I haven't budged any weight that I wanted to. I blame winter, studying, lack of energy etc etc. But, I only have about five weeks until TTC and even though some would think it's pointless (seeing as, well, I'll probably be putting on a lot more weight in the 9 months after...!) I still want to be as fit and healthy as I possibly can before pregnancy.
My aim is to take the dogs for a longer than usual walk/run (around an hour) on a different walking track. This one has a few hilly areas and gives me a bit of a workout. I'm hoping to do that five days a week, one day of rest and one day of yoga. Also hoping to slip a few sessions of boxing in there too, but that's only a maybe, depends on the time.
Diet-wise, I have cut out drinking coffee during the week, and only drink one or two cups on the weekend. This is for a few reasons: firstly sometimes I get weird heart palpitations, sweats and shakes when I have a cup of coffee (I haven't gotten them since I stopped, a few months ago). Also, because obviously I won't be drinking coffee while I'm pregnant, so this is me weaning . And lastly, because DH had to give up drinking, I figured I'd do something too.
You should have seen us the first night! Sitting down to dinner, It went something like this:
DH: Can't I just start this tomorrow? I've had a long hard day working with dad and I want a glass of wine.
Me: What! No! If you do that, then tomorrow you'll say the same thing, then the next day, and the next, then there won't be any point at all. And besides, I haven't had a coffee all day and my head feels like it's about to implode. So you CAN'T have a wine.
Continuing on the diet discussion, I haven't quite figured it out actually. But I'm thinking along the lines of a few weeks eating steamed vegetables, brown rice, soups etc. Might have one day in there to relax a little and eat something naughty. But for the most part I want to eat fresh unprocessed organic food, mostly vegetables. Minimal dairy. Extremely reduced sugar intake (probably only my 'free' day). Etc Etc. We'll see how I go. It's so difficult trying to study though, with low energy levels. I find my concentration wanes a lot. Now I understand why my old flatmate used to eat 1kg of lollies every week - the sugar keeps you UP. lol.
We are thinking of going to Greazefest on Sunday ( www.greazefest.com ). It is a 1950's car/fashion/style/hotrod/music themed festival that we've wanted to go to for a few years and finally we have the weekend spare when it's on! Exciting. But, we are still deciding, because the day will probably cost $100+ ($25 each entry, petrol to get there, food etc). And DH is just about to spend a bit of money on some screenprinting paint and a bulk lot of blank tshirts. We have a friend who operates an art studio who has offered to sell some of DH's designs.
Even though we're about to embark on running the flooring business ourselves with less input from DH's dad, I think DH wants to find a way to make money without having to do physically draining work, use chemicals, and deal with pedantic clients. (Unfortunately the clients can't be helped, DH's dad runs a premium flooring business that is unlike the subcontracted ones you hire out from a carpet shop who do a usually sub-par job.)
It's been over a month since I last posted, sorry everyone. I have missed SA, and I find I think about a lot of you sometimes. Even though I've never met any of you, you all feel like my extended family. I've tried explaining this to DH once before, and he doesn't really understand. (I suppose, we do use the 'imagine-everyone-you-don't-know-on-the-internet-is-a-huge-fat-guy-sitting-in-his-underwear' example with my little sister when she decides to not use her brain and adds strangers on facebook, myspace, etc).
I see there are lots of newbies here too, welcome! (I was, once upon a time, a 'regular', however it seems I don't get time to scratch let alone write a blog post, and when I do, I find I don't have much content, so I delete it! I'm determined to post this one though.
So, for about a year now I've completely stopped recording our expenditure/earnings etc. The organisational freak in me sometimes has a spin-out and panics a little bit. I did think, about six months ago, that I felt like I had no idea where we were with our savings and expenditure. I feel like I'm walking on a tightrope very high with no safety harness. However, the bank account begs to differ. It seems that once we relaxed a bit with our financial situation, it did the world of good. Perhaps recording everything isn't for us; maybe doing that meant we had more binges and blowouts because we both always felt like we were pinching pennies. Whatever the reason, our bank balance is almost at where it was when we first bought our house and had a bonza of additional funds from settlement. Basically, the EF I've always stressed about having, is actually there for once.
We just submitted our tax returns for the 10-11 financial year too, and are getting a nice $2300 back. Where is it going? Savings, of course.
I passed my last subject, LAW1101. I'm now about to start my third week of STA2300 (data analysis) and CIS1000 (business information system concepts). I'm actually liking them a lot! Having been met with looks of horror and pity when telling people one of my next subjects was data analysis, I think I'm now shocking people even more by telling them I'm enjoying it. But... someone has to right? And if I didn't like it a tiny bit, then why the heck would I be studying accounting anyway?
I've been applying for a couple of jobs a week. So far, no luck, but I'm waiting on three recent applications I submitted. Fingers crossed!
On the current job front, well, things are still the same level of frustrating. Atleast ALL the staff are frustrated, and at the same person (our boss, and his wife). In some way, that makes it bearable. We are able to joke an whine to each other about it, and pretty much everyone is in some stage of looking for a new job.
Our boss seems to be doing a whole lot more lying lately, and is intent on talking himself (and his wife) up on the social status ladder. He goes through stages of doing annoying things. Lately it's this.
I am not the type of person that cares about what someone earns, how big their boat is, what car they drive, how prestigious their house location is, etc. But, I have to listen to my boss talk about his friends in this way. It actually makes me a little sad, as I've realised lately that I don't know his friends names, what they're like, what they do in their spare time (other than sail their yacht around), how well they get along with their spouse, if they're funny, or a little weird, or their quirks etc. When I talk about my friends, that is what I talk about. I talk about THEM. I've also caught him lying outright (to a customer he didn't even know, who happened to have a bank uniform on) about how his wife is a bank manager. First of all, she hasn't worked at a bank in about two years. Secondly, she approved loans, she was never a manager.
Little things like this, EVERY DAY, begin to drive a person insane.
That, and the wife still hasn't apologised for yelling at me after I told her my sister couldn't work because she was in hospital. So, I'm not really a happy chappy at work right now.
In other income-related news, DH's dad is partly handing his business over to us in a few months while he moves interstate to help his parents (DH's grandparents) fix up their house. Before that happens, I am working with our accountant to turn it into a company. I think eventually DH's dad will retire and hand the business over to us. Things are actually going alright in that section of our lives, for once. Normally it is all sorts of hell with the family's business, but not right now.
My little sister was diagnosed with PCOS last week. I am not really sure how they picked it up because she does not exhibit any appearance related signs (hirsutism, obesity, acne etc) but atleast she knows at a young age and can learn to cope with it now.
Tomorrow will be DH's third week of not drinking alcohol. He has struggled with it, but it is for a good cause. We decided long ago that when we wanted to conceive we would stop all drinking and unhealthy habits, for atleast two months before initially trying. So that is another bit of exciting news: we hope that by the end of the year we'll be pregnant. I'm hopeful, anyway. We're both relatively young and so we hope it shouldn't be too difficult, but have known people who have struggled, so at the same time we're not overly confident that it will be something that happens straight away. We'll see.
My sister having PCOS has made me worry a little bit. I'm not sure if it's something that is genetic? Should I be checked for something like that?
What else? Our dogs are well. I actually took them for their yearly check up and was told they are too fat! So, I have begun to feed them slightly less dry food and take them for walks more often. I did slack a bit with the walks during my exam preparation in June. They seem to have lost a little already (it's been a bit over a month).
I think that is all of my news. I have not had much time to scroll through everyone's regular blogs - so feel free to leave me a little update of what's been happening in your life lately in the comments section!
I am going to try and achieve most of the following goals today, so that I have relatively little to do tomorrow. My best friend is coming over tomorrow to look at wedding cake designs with me, as she is going to be making the cake for us. So I want my house clean as it is has been a bit messy lately... Other than that, tomorrow I was hoping to go for a drive and take a look at some of the halls that are for hire, so we can start making preparations for that.
To Do List:
- Finish Module 5 for my accounting subject.
- Laundry (will be a slow process, as it is raining)
- Clean the kitchen
- Clean the bathroom & toilet
- Tidy the lounge & dining room
- Put away our clean laundry (a small single pile seems to have grown in our room and now comprises of hmmm... MOST of our clothes).
I also have to decide whether I am going to go to the markets today, or the local fruit & vege shop.
Whew, lots of things going on here at the moment, so I thought it was best for a quick update post.
I am really hating my job right now. Something seems to have changed, and I just dread going to work each day. I think that it is just that our boss and his wife seem to have stopped caring for their employees. They were always fantastic bosses up until the past few months, when everything seems to have just changed.
My boss bought a boat, and so now all he ever does is whinge about money, or talk about his boat, or talk about how he wishes he was in his boat - and no one cares to listen to him about any of those topics. It really doesn't do him any favours, because the first thought that comes into anyones head when he mentions money is 'Well, you just bought a boat, things can't be that bad'.
Secondly, there's no Christmas party this year. I would totally understand if it were for money reasons (even with the purchase of the boat!) but their reason? 'Oh, we are just so busy this year, with a wedding to go to and our son graduating from kindergarten.' Wow. Way to make your staff feel appreciated!
Thirdly, our closing times changed, from 5.30pm to 5pm. This does not effect me or my wages, but the way they went about it was just rude. When shifts were first cut down at the start of the economic crisis, they sent a letter home two months before the shift cuts started, saying they were sorry but they could not do anything about it, costs had to be cut etc. This time? Not a word of warning, no explanation until the changed roster came out. (Rosters are done a week in advance). I just don't understand why they couldn't have done what they did previously!
And lastly, and I guess, most importantly, I just feel like strangling my boss every time I look at him. It is not just me though, it is everyone. He has become erratic, extremely inconsistent with his words and actions. He will say one thing and do another, constantly contradicts himself, blames other staff members for doing things he told them to do, bitching about staff members to everyone but never telling the actual person involved what's wrong... Just so frustrating. He's very passive aggresive, doesn't like confrontations. I actually had an argument with him last week (first argument I've ever had with a boss before - it involved me confronting him over something he'd said about a staff member), and he hid from me for an hour and would not talk to me. Mature!
Anyway. SO I am not really sure how much longer I can last, if things do not change/go back to normal. Perhaps I have been looking for an excuse like this, but then again I do not have great confidence in finding another job and settling in. I guess everyone is like that though. New job jitters?
The thing that sucks is that I like the WORK. It is just everything else that I hate right now.
DF and I had a discussion about children. He has suddenly decided (probably because his sister is due to give birth in January) that we should have children soon. Like, next year soon. I know that there are good times and bad times to have children, but in the end, there is never a 'perfect' time - so many people have said 'there's never going to be that perfect financial/mental point to have a child, you just cope as it happens.' It's totally true. BUT! I think that if we were EVER going to pick a year to have a baby, next year would be the absolute worst time. I am sure we would obviously learn to cope and make ends meet - but I also think if we had any choice in the matter (which we do) we should make the choice to atleast post-pone this for one more year. Why?
Several reasons: 1) this 'wedding party' that DF wants nest year will take up valuable baby saving funds, not to mention time, and will only add stress to our lives. I don't want to have to deal with morning sickness and all the goodies that come with pregnancy AS WELL. 2) We will need to replace my car. It is unsafe, getting to be unreliable, and also extremely noisy etc. What we want will be new-to-us, but will have to be saved and paid for obviously - not going to be easy to do on one wage. 3) I have just started studying. I atleast want to do one year! 4) We are going to have to consider seriously in the next month or two, getting a business loan and starting our own business. Yet again, not something I want to deal with in its' initial stages as well as pregnancy. Eugh! Can't imagine anything worse!
and my last reason being - I want to achieve certain health, weight and fitness goals before I have a baby, as sort of a mental exercise so that post-baby, I can say to myself 'you did it once, you can do it again'. I am currently only half way through, so would like to be able to complete this.
Is that too much to ask?
ANyway, I think DF has given up on the idea anyway. Only because I said all the logical stuff that he agrees with, and the only reason he doesn't agree with me completely is because he 'wants' to start a family now. I told him, waiting one extra year isn't going to hurt anyone, and cousins being 2 years apart is not going to matter that much. (right???)
And I guess the last of my news is that we now have a 'boarder' living with us, in the form of my sister. I know most of you probably already knew this as I posted about it a few months ago; but when I last posted about it, this was a temporary arrangement. It is now about to become semi-permanent. I say semi-permanent, because there are rules involved. If the rules are obeyed, she can stay. If not, well...
We might finally be buying a new tv! prices have dropped a lot lately, and we are hopeful of getting the one we want at roughly $900.
At the moment DF and I are tossing up whether to go to a festival in late February. We have not been to one in two years - and we are really interested in the lineup (one of DF's favourite bands, Primus, is one of the headline acts). It's also pretty different, genre-wise, than other festivals we've been to and focuses on metal. I'd be super excited if we could go. Some of you may know some of the bands (check it out at www.soundwavefestival.com/lineup - I mean, who hasn't heard of Iron Maiden? ) However, it's probably the most we've ever had to pay for a single ticket before - $169 each. OUCH. So, we'll see. It's still a while away and tickets have not sold out yet. So, keep your fingers crossed for us that some special person drops $340 in our lap some time soon!
One way I am trying to save the money (and also, in general, just save money, regardless of whether we go or not) is that recently I've changed a few of our utility providers and a few other things, which should result in atleast $100 a month in savings, if not more.
Hmmm... I think that is all my news for now. Whew! Quite a catchup post, I wonder if anyone made it, reading all the way to the end? You deserve a cookie!
I have completed a few things on my Weekend To-Do List, but have a lot more to do. Always the way!
I got one of the biggest jobs out of the way though. I enrolled! I have picked the first two classes I will be studying as well, starting 15th November through til February, and have finalised all of my funding and HECS-HELP loan. So I think all I have to do now is wait for my course materials to arrive in the mail. Exciting!
It took me ages to figure out how everything works with the courses and prerequisite courses, but I think it will all work out. And it's possible I may finish WAY earlier than in 6 years time if I can handle the workload - but also found out that I have 9 years to complete the course if something arises.
So, feeling a lot better about having all that sorted out.
I also completed and sent off both of our tax returns. YAY! $2900 coming our way in the next two weeks. New TV and the rest is going to savings.
And now this is everything else I want to accomplish this weekend:
- 2 x loads laundry, fold & put away. X
- Wash Dogs bedding. X
- Give Dogs their monthly flea products. X
- Wash Dogs.
- Sweep our deck & tidy, remove clutter.
- Tidy my desk.
- File all loose paperwork.
- Vaccuum & mop entire house. X
- Water outdoor plants. X
- Tidy lounge & dining areas. X
- Clean Walls & Windows. X
- Fruit & Vegetable Shopping @ Markets tomorrow.
- Meet a friend for coffee.
My plan is to get as MUCH AS POSSIBLE done today so I don't have to do anything tomorrow except market shopping & coffee with a friend.
I call it a spending plan because we're not really ones for 'keeping to a budget' like some. I admire those who do it (including the whole thing of not buying XXXX for two days because it will put this weeks budget out, etc etc) but it really doesn't suit us. But, we do have a 'spending plan' which I try my best to keep track of. Up until recently I tracked every cent, but the past two months I have laxed. I was thinking our spending plan is probably outdated a bit, and I think a re-doing of the plan and our weekly expenses was in order. Having an up-to-date plan might spur on my interest in keeping track again. Well, fingers crossed anyway.
So, this is what I have come up with:
Mortgage Payments: $480
Extra Mortgage Payments: $20
Personal Loan: $37
This accounts for an average income per week on the lower side with a bit of a surplus after the above expenses. More often than not, our weekly income is higher, but I'm keeping it lower so we don't get our heads stuck in the clouds.
Now, for some explanations. Looking at the expenses, I'm sure you're probably wondering 'where's this expense?' 'Where's that?' etc. I have put everything into very general categories this time. For example:
Bills include the following: Mobile Phone, Internet, House & Contents Insurance, Car Insurance, Life Insurance, Car Registration, Car Repairs, RACQ Membership, Gas, Property Rates, Water, Electricity and Pet Expenses.
Misc covers a variety of expenses that don't occur regularly, such as health & grooming, gifts, bank fees, charity donations, clothing, stationery, electronics and house purchases etc.
I have upped our grocery limit to $150, from $120. Generally it is ~$130, so any surplus we have will flow through to other areas. I just don't want to feel bad or stressed out by constantly going over the 'grocery limit' each week. While to some people's standards our grocery expenditure is outrageous, I don't really care. We cook from scratch, use wholegrain products, buy organic and locally grown produce, and use cleaning & body products that don't hurt the planet or our health and wellbeing. And we're alright with that. It's taken me a while to realise that this is something I truly don't mind spending money on. If I can find the items I normally use, cheaper, then ok. If not, oh well. Life goes on.
Personal Loan: is actually going to be paid off shortly, I just keep forgetting to transfer the remaining money. So this $37 a week expense won't be up there for much longer. We will probably add this amount to our EF savings, and have in mind that we will probably look at buying a new (to us) car in the near future.
Savings: Our total amount per week in savings is actually divided into four categories:
- EF (Goal 1: $5000, Goal 2: $7500, Goal 3: $10000)
- Baby (Goal: $30 000)
- House Renovations
The total amount saved per week goes into ONE account, which I keep track of on a spreadsheet. (It is actually our mortgage account, to reduce interest. No, we don't get charged for withdrawals or deposits).
Most of the savings are self explanatory, except Short-term. Basically Short-term covers all sorts of higher priced entertainment and consumer-ey expenses like seeing a band, gallery exhibitions, ink, higher-priced book purchases, art purchases, electronics, screenprinting supplies, furniture etc.
Fun has been reduced by $60 (Used to be $60 for me, $80 for DF.) Now that we are earning roughly the same amount, I figured now was the best time to reduce it to LESS than 10% of our take home and equal it out. DF's weekly spending has reduced anyway, since he is home-brewing. Basically our fun money covers any frivolous purchases we don't feel like explaining or the odd take-out or movie night.
Petrol is generally less than $70 a week, but better to plan for more than less right?
Mortgage Payments & Extra Payments: Technically, our normal mortgage payment pays off extra AS WELL. But I figured it is better to schedule an extra $20 to go in as well. Can't hurt.
The one thing I have not put in there is university costs, because I have no idea what they are. But, our EF should take care of this if our 'Misc' doesn't as I don't think it will really be all that much to get started.
So, that's it. Feeling very motivated with our new spending plan and can't wait to talk it over with DF and get it into action. What does everyone think?
What we were able to achieve this weekend:
- Got up relatively early (for a Sunday) at 6.30am, had a coffee and went to the local markets for our fruit and vegetables. Spent ~$30 for the week (all no spray, locally grown organic produce). It is nicer to go earlier, as there aren't as many people.
- Had breakfast at an organic, artsy cafe we love. Spent $32. Was unplanned, but nice anyway.
- Stopped at the hardware store to buy spraypaint, a curtain rod & hooks. Spent $43.
- Did most of our weeks worth of washing, tidied the house and vaccuumed and mopped the floor.
- Hung our new curtains. I love them. This is a picture to show the pattern:
The photo does not really show the shades that well, it is actually a charcoal grey and black velvet-feel pattern.
- DF spray-painted my spice shelves. Hopefully by the end of the week they will be installed in the kitchen and I can get rid of the yucky green vegetable stackers that currently store all the jars of spices and herbs we own.
- I candied ginger for the first time. It went well, and I am pleased with the results!
- Made banana, honey & cinnamon muffins.
- Also made lemon and almond biscotti, which are currently cooling. Yum!
- DF is fiddling with his car. Always a good sign - the more he fiddles, the closer he gets to actually being able to drive one of them