whitestripe

I have not been on here to post as much as usual. This month has been weird with lots of things to do but not much to write about.

We got our tattoos last week, I am waiting for the last of it to heal before I post a picture, for anyone interested (probably not many on here!)

It was much less than we thought it would cost. For starters he was very quick (I think he surprised himself) and he didn't charge for drawing time. For both it ended up being $520, plus a $30 tip (Yes! something I actually tip for here...). Initially we thought it would be around $900.

I think the tattooist was really excited about mine because he is now using it as his profile picture on his myspace.

Anyway.

We get our puppy soon. Haven't decided on a name yet. They are jumping and trying to use their voices, very very cute indeed.

Work has slowed down for DF again. He is still earning money every week but not full-time. But mine remains the same which is good.

Still haven't gotten the stove or oven fixed, but it isn't a huge hassle at the moment. When it becomes more of a problem we will do something about it. At the moment it's fine.

The next door neighbours dog keeps sleeping under DF's cars during the day, underneath our house. It is getting a little annoying as she leaves dark patches all over the concrete - we are not sure if it is blood or dirt. She is an old dog and the neighbours are always out, I am not sure if they realise she gets out. Anyone know of anything that keeps dogs away, like pepper or something? (I think pepper keeps ants or cats away... can't remember which...)

In the past two weeks I have lost around 2 kilograms.

I have not been doing a whole lot differently, but I believe the warm weather has something to do with it. It is much too hot to eat at work during the day, which stops me nibbling on things I probably shouldn't be!

Lack of a stove or oven is also resulting in most foods being grilled or slow-cooked, which mainly means mexican beans or grilled veges most of the time. Tonight we are having soup.

Spurned on by the difference on the scales, I have also been refraining from snacking, and again the heat makes it difficult to stomach even a share of a slice of cake or a biscuit when having coffees with friends.

Weightloss was one of my new years goals at the start of 2009. I am feeling motivated to keep this up (at the moment ), so I may achieve this goal, even if it is only partially. I am by no means overweight, but I think I could stand to lose a few more kilograms, to be completely comfortable in my own skin.

On Sunday we went to the CBD and spent some of our gift vouchers that we recieved for our engagement party. We also got $70 in cash from DF's sister - I am going to use some of that to buy a Scanpan stainless steel frypan.

We decided to buy things that we would ordinarily spend money on anyway - but have been putting off for some time.

First off was a Brita water filter jug. We got a good deal on it, went to three different stores to compare. Myer had the best deal: a 2.4L jug for $29.70, which came with three free filters ($23 each normally) and a free re-usable waterbottle. To compare, I found a 3.5L jug for $33 in Kmart, that was the next option. So you can see why I went for a smaller jug with more extras.

I decided I wanted some summer shorts and found a pair for $35, and DF wanted to buy the new Wolverine movie on dvd, and another dvd, can't remember which one.

With our hardware store vouchers ($200) we bought a lawn mower. DF found one on sale from $350 reduced to $299, so in the end we got a lawnmower for $99.

Other things on the list are, obviously, a Scanpan frypan, and one of the things you tap your used coffee grinds into (I never thought this was necessary until we started having people over regularly - I have realised how useful it will be). So far have found them at Myer for $36, which is the best deal I can find. I believe we have just over $100 left on the GC's, and $70 in cash.

Doing our tax returns yesterday, I asked DF to log on to his old Bankwest account (similar to an ING account) to find out how much interest he earnt in the last financial year from the house deposit.

Seconds later I hear 'uhhm... huh?'

He has $836 still in there!

He had $18 792.00 and transferred $18 000. The $792 has remained there since January, slowly working itself up to the $836 it is now.

Um, wow?!

The found money is going to the EF.

Also, wanted to share how much interest DF earnt in the last year, only six months of it where he actually had a high amount in there: $236.37!


Currently Listening To: Air - Alone in Kyoto

Normally I am all onto our tax returns and have them done within the first week of July. However this time things were tricky due to closed accounts, deductions etc etc.

Finally got it all together and did it online tonight.

Combined we get back nearly $2000.

It is just in time too, as DF's mum is trying to buy a property and needs a buffer in between the exchange of her old property and the new one. She gave DF $4000 when we were getting ready to buy our house, so we are going to give her $2000 back. Even though it was a gift, I still don't like it hanging over our heads. She has not asked us for it but I know that she would be thankful, and even though we do not have a LOT to spare, I feel compelled to. She is a very generous person and if it means we cut back and tighten the purse strings for the next few months, that is fine with me.

So really, the tax return has not made a difference in our accounts at all. But it has helped someone!

Everyone loves puppies, don't they?

So here is Jeds son and daughter. They are still with their mum (DF's dads dog) and we will be getting the boy (the one that is all white) and DF's grandparents will be getting the girl (the one with the black patches).



DF's dads dog, Trinity. She is such a goood mum!

Because we have no stove or oven for the next few weeks I have had to be inventive with our meal plan. We have a lot of other things going on so at the moment we are not bothering to do anything about fixing it until atleast the start of November.

To top it off, going away for the weekend meant I wasn't able to go to the farmers market on Saturday. I have not missed it since we moved here back in March, so I am at a bit of a loss as to where to get good fresh veges. I am going to try a place near my drive home - wish me luck on that front! I think we are spoilt with the freshness from the markets, even my dad and stepmum were amazed at how beautiful the produce was.

I am using up our freezer stock of meals too.

Last night we had pasta because I discovered you can cook it in a rice cooker! It was an experiment that lead to a happy outcome. I had to heat up the sauce in the microwave though

Tonight we are having an Indian Vegetable curry that my dad made while he was here (thawed from the freezer). I will cook the rice, and once it is halfway through cooking will put the curry on top of the rice to heat it. I have heard of people doing this before, so I know it works. We are having chapatti and yoghurt with the curry.

Meal Plan:
Tuesday: Indian Vegetable Curry
Wednesday: Slow Cooked Lentil Soup
Thursday: Grilled Vegetables with Tofu/Lamb Chops
Friday: Fresh Spring Rolls (rice paper wraps - NOT fried)

(saturday is market day, so this is my meal plan for the following week

Saturday: BBQ & Salad
Sunday: Vegetarian Mexican Beans, Rice & Salad (beans made in slow cooker)
Monday: Slow Cooked Minestroni Soup
Tuesday: Bean & Salad Tortillas
Wednesday: Toasted Panini Sandwhiches
Thursday: Slow Cooked Indian Curry
Friday: BBQ & Salad or Grilled Veges

Isn't it funny, when you knock out use of an oven and stove, the only options you have are (mostly) healthy ones. Out of the next two weeks of our eating plan, the only meals I can see that are questionably healthy are the toasted panini (wheat and cheese) the curries (coconut milk) and the mexican beans/tortillas IF we have cheese on them.

So it worked out to be a fairly cheap weekend away. Usually when it is a big group of us, we have to pay accomodation costs (around $50 a night divided by all who are staying) to use our friends' parents beach house. But this time we did not have to, which was nice.

So this is what we spent:

$13.20 Takeaway Lunch
$6.95 Groceries
$47 Dinner out
$21.50 Drinks
$94 Alcohol
$3.80 Icecream
$2.80 Water
$4.40 Groceries
$7.60 Drinks

Probably could have made it cheaper by not going out for dinner the first night, and DF not buying alcohol. But he brought some back with him so it wasn't all consumed there. We also had two bottles of champagne that was in the cupboard at home, so we took those.

Awhile ago at work we stopped being able to buy a product that we used regularly. Luckily our suppliers had a similar product which we then started using. A few weeks later our rep told us (I don't think he was meant to - I believe he told us because we were complaining about how different the second product was) that the reason we couldn't get the first product was because an ingredient in it had been banned and they were currently testing other ingredients to find something they could use - the product was made in the US and the ingredient banned was something they used to stablise it.

So all this got me thinking.

If I didn't work there, and if the rep hadn't told us, I wouldn't have ever known.
Customers who buy our goods have no idea. The only thing they will notice is that some goods are a little different now, because the new product we use is a little different to the old one.

And then this got me thinking even more:

So exactly how many things have I consumed in my life that have contained ingredients which have then forced the product off the shelves? How many manufacturers have gone 'Oh! Shit!' and changed their recipes?

Obviously this was not something hugely drastic, otherwise there would have been a product recall. But still - if it's bad enough to ban and cease production for some time, isn't it bad enough to warn people not to eat it? (We threw out our stock with the old product in it - in case you're wondering)

This leads me to my next line of thinking.

Exactly how much do you know about what is in your food?

I have been brought up cooking from scratch and avoiding foods with numbers and ingredients I cannot decipher. But not everyone has. And even still, I find it incredibly difficult to avoid all those nasties on a daily basis.

Furthermore, are you aware that over 60% of what you put on your skin is absorbed into your body?

So, are you completely happy with the contents of your shampoo bottle being inside your body? What about your foundation, anti-wrinkle cream, skin care scrubs and cleansers, hair removing agents, laundry powders etc etc?

Would you eat them? Why not?

I have only just started thinking about this all. While I do think I am a little more aware of these things than, say, the average 22 year old, this whole 'banned-ingredient-thing' has really filled my head with questions and reservations.

It's all quite a bit to think about, so I wanted to share it. Hope you all don't mind.

I think I am going to take (baby) steps to reduce our consumption of items that have ingredients in them that I don't know what they are or do.

Thoughts? Opinions?

This could possibly be a frugal exercise too. Has anyone ever used castile soap? I have been reading about it.

We have been talking about what to buy with our gift vouchers from our engagement party.

Our initial thought was to get a dvd player/hard drive recorder. It would probably be the most useful piece of technology in our house for two reasons: we hate advertising, and we both go to bed reasonably early and miss out on good shows that play later in the evening.

But, we went to check them out and apparently they are phasing out making them. WHAT?! Why???

So the only ones that are there, are around $800. Excuse me? I am not paying that much. Sorry if appear to be somewhat of a tightass.

So instead we were thinking of buying the following:

- a water filter (either one that connects to the tap, or just a jug filter you put in the fridge)
- a normal dvd player

That uses up about half of the Myer vouchers. The hardware store vouchers we are not really sure of, but were thinking of getting a lawn mower. We don't have one so we have to borrow DF's dads one. It has been good lately as it has been winter, and the grass hasn't grown for about four months, but soon it will start again.

The lawnmowers range from $340-$800. We don't have a lot of land to cover, so a cheaper one will do as long as the parts are sturdy, DF can do any maintenance that is needed.

I did have a thought that if we bought the lawn mower, I could use the leftover Myer vouchers for groceries, and that would sort of offset the extra spend on the lawnmower? Technically we would be out of pocket around $50 or so. Good idea? Bad idea?

For a week or two we have been smelling a burning plastic smell whenever I light the oven (note: our oven has a stove on the top). Because it's summer I've only used the oven a few times, so I haven't really paid that much attention. But last night I finally asked DF to have a look, and lo and behold, gas is leaking from one of the pipes, which has created a bigger pilot flame.

It could be a case of a loose nut or fixture, but the burning smell indicates it has probably melted something that might be important. How scary to think that could have made a huge fire one day if we hadn't checked it!

So, I guess this means we will have to buy a new stove. (Truth be told, it is around 10 years old and in need of replacing anyway...)

Our problem now is, in 4 to 5 years we had hoped to have enough to remodel the kitchen. It would be a medium sized renovation as we would be putting in a bay window to add extra room. We would look at getting a wall mounted oven and a stove with a rangehood - which is something that is impossible to do at the moment.

So - do we fix it or buy a cheap(er) stove/oven now with the intent of using it for only 5 years? Do people buy second hand stoves? Could we sell it later? Or should we buy a second hand one? Doesn't that mean that whatever we save on buying second hand, we will have to shell out for new fittings anyway?

----------

In the meantime, I am confined (yet again!) to cooking on the barbecue or using bench top appliances. Hooray! As if I didn't already have enough of that experience when we first moved in.

Now I have to think up ways to use our veges up that don't involve the stove or the oven. GREAT

I have:
a slowcooker
a rice cooker
a barbecue
a grill/sandwhich press

I also have an outstanding assortment of takeaway menus

I've always had a somewhat predictable pattern whenever I return from a holiday - whether it be a 'going away' holiday or a 'stay at home' holiday.

1. I stop watching a lot of television. I think it's the ads that annoy me the most. And the meaninglessness of it all. I still watch shows that I love, like Topgear etc, but I don't bother to channel surf for something to do. This usually lasts a few months or so, until I start to get worn down by the daily grind and don't feel like thinking about anything for a few hours, hence Neighbours works itself into my schedule.

2. I clock-watch at work. Not noticeably - no one sees me doing it. But I find I need to know exactly how many hours, minutes, seconds I have left before I am let free for the day.

3. I start fantasising and dreaming up ways so that I don't have to work. Or don't have to work as much. This is possibly done in conjuction with the above mentioned clock watching. 'If I didn't buy any clothes for a year, reduced my spending money by half, found a cheaper phone plan and started growing a bigger vege patch... I could have one day off a month...' is regular thought while I ice bar-cakes and decorate elaborate 18th birthday cakes. Oooh look, it's now five minutes closer to home time...

4. We start eating differently. While most of our meals are healthy, I find after a holiday I get more enthusiastic about cooking again. I make more meals that require time and effort and more stages of cooking. I get interested in aquiring and trying different spices and odd ingredients. For instance, have you ever used the spice mace? It is a similar smell to nutmeg (actually, it is from the outer shell of the nut of the nutmeg), but it gives a beautiful warm flavour to dishes...

5. I start to spend time doing things that I never found the time to do before, such as just sitting on our deck with our dog and a book.

6. I spend less time on the computer. Is this a good or a bad thing? Not sure, but it sure does free up a lot more time. I have gone two days without checking facebook, saving advice or my emails. Previously unheard of for me. And you know what? I don't mind. I log on and then log off again in a matter of seconds. I guess a holiday reminds me there is LIFE out there, away from cyberspace.

7. I read before I go to bed. It's something I do when I am on holidays because I don't have a definate time to get up the next day, and it's something I try to keep up, atleast for a little while, after my holidays.

8. I start thinking about what I'm spending my money on. I start asking myself if it's worth it. Do I really need a piece of overpriced frittata, or am I just buying it because everyone else is buying food? Do I really need to buy papertowel, or couldn't I use some rags instead? Is there a use for all these cleaning products, or is the bicarb, vinegar and bleach in my cupboard good enough? What could I use my money for, if not for this? Oh, another holiday!

9. I start thinking up ways to make our everyday life better and more enjoyable. Just little things, that probably seem like they don't matter, but they make a difference. Like playing cards or boardgames together once in a while. Inviting friends over for barbecues. Going for walks together. Making three course meals just because we can. Sleeping in on weekends. Going to comedy shows. Having tapas on our deck for lunch. Having picnics with friends at parks and botanical gardens. Trying out a nice bottle of wine every now and then.

I am sure there are more things that I change after a holiday, but these are the most obvious, that I can think of right now. Why? I guess going on holiday, and then the shock of going back to work, makes me realise that we WORK to live, and that I personally want to live more than work. Does your holiday affect your life after you get back?

After a month of waiting for the paperwork to be put through (and even longer since I actually signed the papers!), our split loan has been finalised. I checked our balances this morning, and instead of owing $298xxx.xx we now owe:

Fixed (7.94% for 5 years) $175 000.00
Variable (currently 5.11%) $123 630.24

For a month I have wondered if we did the right thing, or if we should have waited a tad longer. (Atleast, I now know we should have fixed straight away at 6.94% - but eh, what can you do?).

I got an email last week, the Reserve bank had raised their interest rates by 0.25%. The next day the Big 4 raised theirs. So, that was my answer. We did absolutely the right thing. (Hasn't hit our variable portion YET - will soon...)

I have also read that there will probably be another raise in December. Whew!

I set a goal to read a book a month this year. Last year I virtually read no books at all. Magazines, yes, but they are trash! Not literature!

Anyway. So even though I said a book a month, I think I can safely say I am motivated to go to the library two more times this year - so I can cross that off my list as done!

I read three books last month. Chemical Pink, The Messenger & The Girl Most Likely. I just borrowed five more from the library today. I find that I often borrow one or two that I simply can't get into, and therefore don't read. So I figure that the more I borrow, the more chances I have of finding a few I actually like!

T, a friend of mine, and I, have this thing where we try to find really disturbing books, read them, then lend them to the other. Why? I have no idea.

Because we can, possibly? I guess it's like a dare. "I read it the whole way through, now you have to".

So the financial aspect of this post is that I did not BUY any of these books, which is great! I am now going to make it a habit of writing down interesting titles of books I come across (usually in magazines I borrow from friends) and then attempt to find them at the library.

What's a good book you've read lately? What was it about? And what was the authors name?

Next weekend we are going away to BIL's family's holiday house.

It was arranged awhile ago, as a 'relaxing weekend'. Yesterday we got an invitation in the mail for their daughters '3 month birthday'.

Huh!?

Cute, I guess.

Are we supposed to give them a present???

Also, one thing that irks me, even though it probably shouldn't:

She wrote on the invitation: 'Meat will be provided'. And also that she can organise all the rest of the food if we all put in money, or we can bring each bring food and pool our items.

How much would everyone like to bet that if we all put in money, I would still have to go and buy something for myself, the vegetarian?

The only reason I say this is that I have noticed that every time we go to their house now, we go out for dinner. But when they come to our house, I cook something that usually has meat in it and something else for myself. But we always have the option of them having meat (wouldn't want to miss out for a single day now would we?!?!). I'm probably being petty but argh!

It was nice to be on the recieving end of a pile of gifts; usually we are the ones giving to everyone else.

Our engagement party went well. Everyone behaved themselves and the weather was lovely. DF got there 2 hours early to get a table and pretty much all of the food got eaten, which was nice. (Usually have WAY too much food - but I think I have worked out the formula now ).

We recieved:
A blanket
A boardgame (Sequence)
The Cook's Companion by Stephanie Alexander
A slowcooker (I gave our other one to my mum a while ago as it was too big).
A six person setting cutlery set.
Assorted cooking utensils.
$190 in Myer vouchers (a higher-end department store)
$200 in Bunnings vouchers (hardware/homeware chain)
A set of dip/cracker & olive plates.
A painting

and we have another gift coming from DF's sister.

A couple who we had not seen in a while came along, but as the wife was pregnant and due, they left quite quickly. She had been having contractions that day and the night before! I couldn't believe that they actually came along, and they had an hour drive ahead of them to get home!
She gave birth the next day to a healthy boy.

Some pictures from my holiday:



(Noosa Beach. As much as I HATE Noosa (as in, Noosa Hastings Street), the beach and National Park are lovely. I guess it's a Locals vs Tourist thing...)


(The view from the National Park walk)


(View from Hells Gates, a cliff at the end of the walk)


(My little sis, perched on the edge. It's a long way down!)


(There was a fire across the bay - I assume they were just burning off but my parents were worried - they are from Victoria. I don't blame them. But they thought it was odd as everyone walked around without a care in the world - where they live, everyone would have been making evacuating plans if they saw a fire like that.)


(Hard to believe that the ocean is to the left of this photo! Such differing landscapes we have...)


(A river I took my family to. A friend and I go there regularly to swim)


That's all for now folks. Hope you enjoyed!

Well, these are my September totals. They are conservative, in fact, we probably spent more than this, I just haven't kept track very well. Though I did go through the credit transactions, so this is *almost* everything.

Income:
$5477.30

Expenses:
Mortgage: $1523.08
Groceries: $508.14
Bills: $907.71
Petrol: $147.56
Personal Loan: $148
House Repairs/Maintenance: $158.62
Appliances/House: $151.45
Work Expenses: $317.65
DF Fun: $119.79
Me Fun: $201.08
Dining Out: $141.70
Entertainment: $64.00
Misc: $184.85
New Bed: $1498.00
Vet Bill: $644.55
Gifts: $24.41
Health/Grooming: $21.48
Total Spent: $6762.07

Deficit: $1284.77

I'm actually quite pleased with this figure! Even though it appears to be ugly (a minus is always ugly, unless it's on the scales!) we had some extra expenses that weren't planned. Car repairs, for one, which is why our bills were so high. Fortunately, I have a separate account for bills so that was covered. It is still an expense though.
The new bed. Probably could have found a cheaper one, but we are happy with the quality.
Vet bills, wasn't expected at all but what can you do? The $644.55 was for an emergency ceaserean for DF's dad's dog. (pictures still coming, I promise!)

Income was down too, that was another major factor. I had a week off, and DF is just starting to get back into full weeks of work.

Technically the new bed comes out of our 'stash' of money, (which is depleting rapidly! still there, but the pile is getting smaller! we are seriously going to focus on building it back up from now on.) If we take away the bed expense, we would be in a surplus rather than deficit, so there we have it.

I'm back from my holiday, my parents left last Friday. I haven't been on the internet at all for about a week and a half (it's actually quite freeing!).

I hardly tracked our expenses at all for the last week, so September will be a bit of a write-off. Didn't spend a great deal because my parents insisted on paying for most of everything.

So it's Monday 4.30am and I am about to leave for work! What a rude shock to the system, I have been getting up at 630am and some mornings even 8am, it has been nice to not worry about going to work. But alas, money pays the bills, so off I go again!

My holidays have started today! Unfortunately, even though to most a holiday is meant to go hand in hand with sleeping in (in my case sleeping in is 7am - still an extra two hours though!) today, tomorrow and Sunday I have to still get up around 5am but it is all for a good cause.
Today I got up with DF to take Jed for a walk, and then do final cleaning before I meet my parents at the airport.
Tomorrow I am going into work to make the mini custard tarts and ice the mini cupcakes.
And on Sunday I have to get up and make sandwhiches, and then bag a spot at the park so no one else takes it! We are getting there two hours early, because several things are happening in the area and we believe there will be massive amounts of people there. Puts a bit of a damper on the day, but oh well.
Most people have RSVP'd. I have heard from other people that a few are coming who have NOT RSVP'd (which actually annoys me - how hard is it to send a text message??? or a facebook message? or, I know, CALL! Bah!) Anyway. So all up I believe around 45-50 people are going to be there.

If you haven't heard, parts of Australia have been covered in dust storms (that aren't usually).

Google Image 'Dust storms Australia' and you will find some interesting pictures.

It was worse in Sydney and Melbourne than in Queensland, where we live, but my car is covered in a layer of dust, and I was coughing a lot on the day and the day after. When you were outside it was like you were breathing in chalk - eugh!
But, because I have never been in a dust storm of that size and severity, I thought it was beautiful. Everyone was complaining about it, which I suppose is normal, but honestly, it's not something you see every day. I thought it was particularly cool. It's not often the sky is a browny red colour all day, and it's not often you can't see 20 metres in front of you.

Anyway. That's all for now. I may or may not blog for the next week. Enjoy my absence! lol.

A few weeks ago on the way to DF's sisters wedding, my car overheated. Well, the temperature gauge went right up to high. We were going quite fast and had the airconditioning on as well. We pulled over and DF goes to me "Have you checked the oil lately?" to which I reply "Umm... that would be a no..." (we live on a hill and there is no level ground. when i am at work I always forget to do it. also, i had only gotten it serviced four months ago...)

Anyway, it cooled down and we were able to drive on, but the temperature remained at a quarter to high the entire way. When we got to DF's sisters house we checked everything and it was fine The only thing I noticed was the thermal fan didn't click on after a few minutes running idle. BUT, the car had cooled down considerably as well, so it wasn't a proper test.
When we drove home, and since, the temperature hadn't gone up again.

So yesterday I took the car in for it's service and mentioned it, and the mechanic rang me later to tell me the radiator is blocked and that is what caused it. Because it's aluminium apparently it can't be flushed (I looked it up after DF and his dad both told me I was getting ripped off, and it turns out it IS actually true!) so it needs replacing. Also my battery is on it's last legs.

So I know DF can do all these things (replacing them), but the issue is TIME, and I don't want to be stuck without a car if the battery dies. DF has a lot of work on at the moment and I don't know when he will be able to do it all. Also, the mechanic has fairly good prices, he does not charge huge amounts for labour. It is $280 for the radiator and $105 for the battery.

All up I will be paying around $40 for labour. I am fine with that. The mechanic is a good guy, never does anything without asking me first, and lets me know in advance if he is concerned about anything. I think it helps that I know slightly more than the average girl about cars (atleast, I know where everything is )

So anyway, more expenses! But atleast this time, car repairs comes out of our bills account. Phew!

I ask this because as of this moment, 7 couples that are our friends have all had children in 2009. Because we're all, to a point, open about our finances, I have a good idea where everyone is financially.
A lot of them are actually not doing that great, and all for different reasons.
The economy is partly to blame as one couple lost BOTH their jobs when the wife was 5 months pregnant.
Another couple's bundle of joy was rather unplanned, and until the time of the discovery (that would be in the form of morning sickness) had lived a complete and utter party life. Think big boozefests, weeklong holidays on tropical islands, attending every single music festival under the sun and generally wasting every cent they made. Oh, the father made ridiculous money owning a spa business, but was ridiculously matched in the way he and his partner could spend it.
The next couple you are probably familiar with, DF's sister and BIL. The sister doesn't like work that much (cough cough) and the father, while a hard worker, liked to up until recently, spend a good amount of money on his car. Coupled with the fact that the BIL is self employed, things aren't exactly great at the moment.
Another couple had a boy in high school, and now 10 years later are the parents of a set of twins. Double trouble.
And one of our closest couples have had a lot to deal with in the past year have virtually zero dollars in the bank and are living with the wifes father. This is the only couple who could not control their situation and I feel for them greatly, they are a couple who given the chance would manage their money well and put thought into their financial moves.
I've already mentioned the gambling addict in a previous entry, and the other couple I don't know particularly much about except that they bought a house in the peak of the housing boom in an apparent 'up and coming' suburb, which now has possibly bottomed out because it's right next to an airport.

Naturally having so many children born in our circle has sparked talks about children with DF and I. We've talked many times before about it and before everyone started popping out kids we'd both agreed that children were on the cards before DF turned 33 or 34 (He's 29 now) and I would be 26 or 27 (22 now). If circumstances allow, obviously. Why that age? I am one of those people that believe you should still have energy to throw a ball around with your kid after work - I'm not saying in your late thirties or early forties you can't do that, however I do think you'd have just the teeniest bit more energy comapred. And I guess I just like the idea of having kids around that age. Having experienced life a bit but still have life to give.

There are things that we'd both like to have achieved before this though. They aren't the typical things though.
I have friends that have had children while attending uni part time, so that is not a problem for me, I know it can be done.
Personally I'd like to get to a stage where I am physically fit and what I consider to be healthy. While I have friends who think I am the healthiest person they know, I guess I have a high personal standard or something. I am lax at some things, and not terribly fit. I'd like to lose a few kilograms before I have a baby, so that I know I can do it afterwards. Is that a weird thing to do? I'm fine maintaining my weight, I have for several years, but while I am at a fairly healthy weight I could stand to lose a bit.
The number one thing DF wants to do is stop drinking. At the moment he has a beer or two after work every night, and probably a few more on the weekends. I don't mind, he pays for it out of his portion of money, and it doesn't render him unable to drive each night during the week. But I think he wants to do it because it has become a habit for him, and he doesn't want to have a habit like that when raising kids.
We'd like to build a fence around the property. We have quite a busy road near our house, plus a fence was on the top of our list when we got Jed, so with a baby it would be even more. Luckily the only money we'd have to pay out would be for the materials, and the hard part would be finding the time for DF to do it.
And lastly, I guess the most important, is money. I can work from home for one of my jobs - and if we tried we could trim quite a bit of fat from our budget. So the question is, how much would we want to have saved?
We've tossed around numbers for a few months now, actually probably over a year, and have settled on 30k. Why? It's a little less than my annual wage ($38k) and for some reason that amount just feels safe. This would be on top of mortgage savings and our emergency fund.
So I realise children cost a lot and all that. We will be probably not buying a great deal of items for the baby in the first two years of it's life (yay for hand-me-downs!) I would want to stay home for atleast a year, if not more.

So my question is, how much would you want to have in savings before you decided to try for a baby?

or, how much DID you have in savings?
Did you have a lot? Did it make things easier?

Did you have nothing? How did you make things work?

What else would you want to have done?
Is there anything you will have wanted to achieve? Is there anythign you wished you'd done differently? Why?

I realise there are two extreme points of view out there in the world on the subject of having children. One group thinks children are a gift and that things like that can't be planned, and the other thinks you should have all your ducks in a row before you consider bringing another human being into the world. I think it'd be safe to say the majority of people on this site think the last option is the safest!

Yep, I have, for this moment, decided that I will attempt university next year.
So I realise that this is a complete change of heart from a couple of posts ago. Since then I have realised one thing: I don't actually want to be a baker (I would rather be a chef of some description - which is completely different and I don't intend to follow that dream right now). So I realised I kind of pranced around that aspect last time.

So I think I might start this studying business either in February 2010, or the second semester of 2010. Even if I do a couple of course and realise I don't like it, I will be alright with that, because at least I would have given it a go.

DF's dads Jack Russell 'T' was pregnant with our dogs pups. It was exciting stuff because that was our whole plan from the beginning.

Anyway so T went into labour on Friday night, but by Saturday morning she had not given birth so we had to take her to the vet. It turns out the first one had gotten stuck she had to have an emergency ceasarean. Within 10 minutes of getting there, the vet had cancelled all of his appointments and had taken T into surgery. (we found out later that he was also going on holiday the next day and had not even packed!!!)

Because DF's dad was not there (he was at work, out of range on his mobile), it was just me and my mum and we had to make a quick decision whether to get her spayed. I took the responsibility of the decision and said yes. Not sure if it was the best decision but there is nothing I can do now. Technically this was just a glitch - she probably would have been fine to have pups in the future - but oh well.

Two hours later we picked her up. The vet bought T out in one hand and two gorgeous little Jack Russell pups in the other. T had three but the one that got stuck didn't make it, which is very sad. She has a boy and a girl - the girl looks like Jed and the boy looks like T The boy had a 50/50 chance of survival when he came out but now he seems to be getting on fine. T is doing great and the vet said that everything worked out much much better than he thought.

DF's dad isn't in a great financial place at the moment so DF and I paid for the surgery. We are getting one of the pups as a friend for Jed. He hasn't met the pups yet but in a few weeks I will take him over there.
I bought the vet and his receptionist two boxes of Belgian Guylian chocolates.

I spent a bit of time at DF's dads place yesterday, T is in the middle of the loungeroom in a box with her pups, she's a wonderful mother Everyone in their house just watch the pups now, nothing seems to be getting done no television, no laundry. Everyone is glued to them hehe. It's pretty cute.

I will post pictures soon!

I've been getting to know a friends' friends over the past two years. They're all very lovely people, albeit on a different wavelength to myself most of the time. The main friend, A, I completely click with - the others, while I love to see them, I can go a few weeks between visits . I think I must just be a little old for my age *shrug*

So, two things have happened recently which just completely shock me, only because it's something that I could never see myself doing, and because I think it's very irresponsible and just... plain crazy, to tell you the truth! I don't know, maybe it's not as bad as I think?

So the first thing to happen is this:

B is a friend of A's. B and her boyfriend own a house one suburb away from mine, she's only three years older that myself. B and I are quite similar in a lot of things (which is probably one reason why I was so shocked to begin with). We've had coffee a few times, and they're going to start trying for a baby next year. B's boyfriend J is a tradesman, he earns good money and she is studying business and event management at university.
So I found out that, B likes to go shopping. That's all good and well, except that she buys up big, obviously feels a litte guilty, and then when she gets home, she draws a line through the price, writes 'special' on it, and then writes a lower price on the tag . I asked A, in shock, does J not notice the money coming out of his and B's bank account. A snorts at me, "Whitestripe" she says "it's J we're talking about". Ummmm... ok?

So if that isn't enough, today A and I have coffee. She's trying to get my advice, because apparently I give good advice (?huh?) about an issue a friend of hers is having. She starts off by telling me she can't tell me. She then tells me the story, but doesn't tell me who it is. Then she tell me who it is. *sigh* Don't you just love gossip?

So, N is also a lovely girl. I've spent more time with her than I have with B. She's actually the girl I went shopping with, the one that has the two boys. (The friend I always go grocery shopping with, is the above friend 'A'). Anyway, so N has a two year old and an 8 month old. N and her partner R (the father of the two boys) have been together for two years (yup!). So apparently before N was with R, she had a major gambling problem. A would get calls from N, who lived a few hours away, crying because she'd just spent all her money at the pokies and had no money to get her car out of the car park. Ah huh. That bad.

So when N got together with R and popped out the kids, she had no time or will to go to the pokies, so this little problem seemed to go away.

Until, someone told her she could gamble online (seriously, who does that?). Well, last night she maxed out a $2k credit card on an american online gambling site.

She hasn't told R, because she's mortified, and because he didn't know about her previous problems.

She told A, and A has no idea what to tell her. My initial reaction was to tell A, to tell N, to stop being a fracking idiot, act responsibly, tell her partner, sort it out and never do it again.

So obviously A wasn't quite taken to that idea.

Here's the best part though. N thinks she can win it back. Apparently she was down to $1900 on the credit card, and she won $2000. She the gambled it all away again. This is all in one night.

N doesn't want to tell R. She's worried about what to do, because she is going to New York in a month, and that is when the credit card statement is due, she is worried R will open it.

R is also a tradesman, makes good money, works more than full time hours. N works one day a week, does online study at university and is home with her two boys.

A is really worried about her friends. I would be too - I am worried, but not like A, because I am not as emotionally involved as A. I have not known them for a long time.

I am afraid I did not give the greatest advice. I have, as most of you know, had a lot of experience with gamblers. Personally it does not hold one ounce of interest for me. I find it stupid and boring. When I was 18 I lost $33 on the pokies and felt empty and deflated, it felt like such an anticlimax. But, I do understand why people become addicted, and I KNOW that some people cannot be taught, cannot be told, cannot be shown. They must learn the hard way. Sometimes they do not learn the hard way, even. Sometimes you can't tell a gambler that it is not worth it, that they won't win, that the odds are against them.
And this is what I told A. Of course, I told her, after that, to tell N to talk to her partner and sort it out.

But honestly - does a rational person spend $2000 on a credit card, on an online gambling site? No. They don't.

And so they probably won't take the rational advice either.

But oh dear, I hope she does. Just this one time. There's a glimmer of hope right? She COULD take the advice. Just this once...?

-----

Maybe my form of gambling is watching other people screw up their finances and then hoping they take my advice so they can fix it? It does have a familiar feeling to it, empty like a spent balloon...

I got a nice surpise this week, our annual payrise.
Because it's a federal wage I didn't think we'd get one this year, I don't know why but I had this funny idea what with the recession and all... anyway! Apparently I'm a moron.

It's not a great deal, 53c an hour, but it's better than a kick in the teeth.

It works out to be around $10 a week or so.

My hourly rate goes from $19.78 to $20.31

I was thinking of transferring it to my personal loan to get it paid off quicker. I owe $2700 now, and should be able to pay off a bit extra at the end of this month because my spending has been low(er).

So, yay for payrises!

I am going grocery shopping this afternoon with some friends. I made a list yesterday and just realised as I made myself a coffee at work this morning, that I forgot it! ARGH!

How annoying.

So, to help me remember, I'm going to type up my meal plan for the next week:

Wednesday: Grilled Haloumi & Vegetable Skewers
Thursday: Miso Soup with Tofu & Vegetables
Friday: Burgers
Saturday: ? (Takeaway or a BBQ)
Sunday: Pasta
Monday: Carrot, Sweet Potato & Pea Risotto
Tuesday: Romani Gnocchi (Semolina) with salad
Wednesday: Indian Balti Curry

Most of the items I need I already have in the pantry, which is good. I am preparing to be attacked for being 'healthy' this afternoon. (what a laugh! I hardly think we're healthy, I would say we are more 'moderation' eaters)

You see, while one friend is sort of used to my 'unusual' (read: miso, tahini, lentils etc) grocery purchases (she still routinely comments on the weird things I buy and exclaims to the cashier how healthy I am - WHAT?!), I have not yet been grocery shopping with the other friend. I already know that most of the things she buys are prepackaged and 'normal', so I won't be surprised at her purchases, but as I said, I think, no, I KNOW, that she will comment on mine. Not that I care, but I am just preparing for it

I do wonder though, if someone can judge me and make comments on MY purchases, howcome it is deemed rude to say to someone else "Wow, you are so unhealthy."

For example, lentils. Sure, not for all people, I accept that. But someone I know had never even eaten them, bought a packet, cooked them plain, took one bite and told me she could not believe I ate them regularly because they taste like shit.

Well, of course they going to taste a bit bland if you don't cook them properly.

So am I allowed to say to her then, that I can't believe she feeds her children artifically flavoured 'chicken' snacks out of a packet, I mean, do you know how to read? Have you LOOKED at what is in those? Or when she sends her child off to school with a JAM SANDWICH, a packet of teddy bear biscuits and a bottle of cordial for lunch, good manners require me to say nothing to her about the lack of nutritional benefits in that childs lunchbox. I'm a rude SOB if I tell her she may as well give the child a piece of cardboard and a pen lid for their lunch.

*sigh* I don't really know where all that came from. However, having gotten my rant out now, I will not attempt to educate my friend on what is so bad about a pre-made jar of pasta bake sauce

Last night I made Gado Gado salad for the first time. I don't really know if I did it properly (the sauce I mean - chopping vegetables into sticks isn't exactly rocket science...) but it sure tasted delicious! Anyone else ever had it/made it? What did you think?

Tonight I was going to make haloumi & vegetable skewers grilled on the barbecue, but I was flicking through a recipe book to get ideas for next weeks meals, and found a creamy pumpkin pinenut pasta dish that sounded so good, and I had all the ingredients so I decided to make that for dinner instead.

So, tomorrow we will have haloumi & vegetable skewars.

I've updated my favourite website links on my sidebar. I never bothered with them before but decided to put on there the sites I frequent other than Saving Advice.com - it's still in progress though. Enjoy! (but be warned, the content may offend some people)

And I have been thinking about purchasing a couple of clothing items. We are into the third week of September and I have spent way way less than my allotted fun money each week, so this is really the only reason I have been thinking about clothes.
I am going to put on rotation some clothes I haven't worn for a few years, so atleast I have some things that will 'feel' new. But there are some things I still would like to get:

- 2 pairs of shorts (one pair black, tailored and knee length)
- 2 pairs ballet flats (my staple casual footwear)
- 2 plain black tshirts
- 2 or 3 button up short sleeve shirts

I have a habit of screenprinting on my blank shirts and then not having any plain ones. I realised this last year when I had to go to a funeral and had the choice of a green zombie or a red samurai soldier... (Obviously I went and bought a new black tshirt...)

I am also wanting to get two plain black button up shirts for work. My clothes for my other work, thankfully, are all sorted for the next year.

I realised today that our engagement party is a week and a half away! ARGH!

And I haven't done a single thing! eep!

So I am just going to make some notes to get my head around it and figure out what I have to do.

- It is at a park, and we have told everyone to bring their own drinks and seats.
- DF will go there an hour early, with possibly my parents, to get a good spot.
- I will go to my work, to pick up the food (because we have no fridge space).
- The day before, I have to go into work to make some stuff.
- Some people are bringing food.
- My dad is buying half a dozen bottles of Champagne.


Food List:
- Mini vegetarian quiches
- Savoury Bread pull aparts
- Dips & Sliced Veges
- Cheese Platter & Crackers
- Iced Cupcakes
- Mini Custard Tarts
- Potato Chips/Corn Chips
- Sliced Fruit

Anything else? I can't think of anything!
I was thinking of maybe making some sandwhiches? It all needs to be fingerfood - does anyone have any suggestions?

I have to Buy:
- Plastic champagne glasses
- Some large plates to hold everything
- The dips/chips etc
- All the fresh food items I have to buy the day before at the markets.