Blog Improvements and Updates.

Wow today is a hot sticky one, it came on unexpectedly and so I am now scrambling around for something to wear, baring in mind my no new clothes policy for this year. If I had stuck to my diet I would be able to squeeze myself into the clothes I bought for last years cruise, but it is what it is and so I am trying to cut back on calories a bit. ( a little bit LOL )

There are 5 paydays for me in December so things won,t be as dire as I forecasted, in fact the tougher the better, as I intend to win this Christmas fight ( do you hear that Santa ) Once I have made out a budget for the month I will post it and stick to it religiously.

I have changed my blog theme as the black definitely was,nt Summery enough and I have also updated my sidebars and added a ticker with a countdown to my retirement, unfortunately I hav,nt managed to work out how to change it, still this is trial and error.

Debt 1) My largest debt is only 7.36% paid off
Debt 2) Is 32.80% paid off
Retirement Fund is sitting at 40%
Savings 0.00% ( sadly )
Emergency Fund 0.00% ( scary )
Retirement Date unfortunately still a long way away.

I have just spoken to my Son about Christmas as he rang while I was typing this and he sounded disappointed in my no presents for the adults policy, however as he moves house in 2 weeks time he is going to thank me eventually, it,s self preservation this year.

I have applied for a Carers Allowance for my MIL who lives with us, it is only going to make a difference of around $25 a week to our income, but it will cover the costs of driving her to appointments ( Doctors, Pathologists Etc.) this extra money is not taxable income and will make no difference to my earnings, thank goodness. I have also applied to the UK for my Aged Pension I should qualify for a part pension, but this will be classed as income and be taxable. I,m hoping that this little bit of extra money will help me to bring those debts down.

A trip to the produce markets this morning has topped up my fruitbowl and vegetable rack, and going at the end of trading meant I got some great bargains. I also bought a gorgeous pair of curtains for my MIL,s bedroom for $10. Now to go and hang them.


Positive Thoughts

I love the vibe of going to the Markets to be served by someone who genuinely enjoys meeting you and serving you, is worth the hassle of carrying around bags of produce. We sat in a little sheltered area and listened to a Peruvian Group play some gorgeous music while having a stress free cup of excellent coffee and a slice of cake to die for. ( of course it was low in calories LOL ) They are having a night market just before Christmas with special bargains and entertainment, so I will be going in order to catch some Christmas spirit.