Monday, May 31, 2010
I,m sitting down tonight and getting my budget ready for June, I still have a way to go with a backlog of bills before I actually see savings, but I am starting to see big changes, will post it tomorrow.
After all my spending this week I have $35.00 to carry over into next month.
Sunday,s spends $00.00
Monday,s spends $00.00
Saturday, May 29, 2010
Spends for today
- Groceries $135.00 ( I,d be rich if we did,nt have to eat )
- Incidentals $11.85 ( needed bits for making place cards tomorrow )
Saved today $29.00 because I,ve brains like a sieve, still want that bag LOL
Friday, May 28, 2010
- $ 397.00 car repair ( as stated no discount given
- $ 4.50 Groceries ( bread and cat food ( ran out before tomorrows shop )
- $10.00 Fish & Chips ( my share of tonights meal
Already I know there will be none of my wages left to save, I am getting impatient to see some progress, I,ve seen all the areas in which I went wrong, but I am so far behind with everything I,m constantly catching up. Still I can see the wood for the trees, and it will happen.
Wednesday, May 26, 2010
One of the few luxuries I enjoy is a glass or two of Champagne, and it has to be a reasonably good bottle, not a Moet I can,t afford to run to that kind of expense, but definitely not a cheap bottle either, I hate those sparkling lolly waters. So I picked up a book to read from my local Library called Vintage and as the front cover was a bottle of bubbly I took it home. In the Prologue I discovered something about my favourite tipple that I had,nt heard before so I thought I would share it.
" Without dirt, there would be no Champagne. As you hold your glass to the light and admire the pale golden fizz inside, consider this: a perfectly clean flute and your bubbly would not bubble. There would be no sparkle to your sparkling wine. Each glittering chain that rises to the surface originated from an inperfection; a minute blemish on the crystal, a fibre from a tea`towel or a tiny speck of dust. I,m thinking that people are like Champagne our flaws are what makes us sparkle. "
I love that it makes me feel better about my flaws, and imperfections, what do you feel ? These are the things which make us individuals.
I have been too unwell to pick up my car yet, but the rest of my spends for the week were.
Tuesday : $100.00 ( owed this amount to a dear friend so it,s coming off my debt total )
Wednesday : No spending day
Thursday : No spending day ( too unwell to spend )
Thank you too the Girls who let me know that I am not alone out here, your imput is more than welcome, and I really enjoy your blogs.
Monday, May 24, 2010
The author of a blog is often referred to as a blogger.
I read this definition of a blog on a website today, and at the end of reading it I was left wondering if I really am a blogger, I don,t think my blog represents my personality, my musings are more financial ( or my lack of finances ) than social issues. Nobody follows my blogs so maybe I would be better off using a personel diary. Yet after saying all that I am enjoying my time spent typing out my expenses for the day and holding myself accountable, and I will continue to be a BLOGGER
This turned out to be a no spending day although I am still waiting on a quote from the Garage to fix my little old car fortunately Hubby works near me and we have almost the same hours so we are travelling to work together until my car is back on the road.
Sunday, May 23, 2010
A no spend day for me today but as my Grandchildren decided to eat me out of house and home I may have to buy more Groceries later this week.
I am now back to using my budget book to record all my spends and it is keeping me honest, plus I add everything into my blogs, so there is no excuse for overspending.
Saturday, May 22, 2010
Did a fairly large Grocery shop this morning, I find food shopping to be one of those areas where you can be frugal one week and the next you have to pay more to catch up. My MIL keeps all her own money and never finds the need to budget, not that she has a lot of money only her pension but rather that she has no financial commitments, and so I can never get away with buying cheap while she is watching and as our weekend trip to the supermarket is something she looks forward to I end up giving in. Grrr
I have been checking out other blogs lately and have picked up a lot of tips from some highly motivational bloggers, I am new to all this and not being really computer literate find even the simplest of tasks difficult. But I,m finding the whole blogging world such fun that I,ll be around for awhile.
Spends for today
- Groceries $120.00 ( food only I did,nt need any household cleaners )
- Clothing $20.00 ( 10 pairs of socks $10.00~ 8 pairs of knickers $10.00 for my Grandchildren )
- Storage containers $10.00 ( reduced from $19.95 )
- Salt and peppers $5.00 ( Maxwell Williams reduced from $ 19.95 )
- Morning Tea for 2 $6.95 ( 1 muffin shared and 1 free coffee )
Friday, May 21, 2010
Today I spent
- $322.05 Electricity Bill
- $20.00 petrol
- $10.00 entertainment
- $5.00 morning tea
I,m still waiting to find out how much the meccanic is going to charge me for my car repair, I also have a phone bill and car rego to be paid.
Thursday, May 20, 2010
Payday tomorrow and the Electricity bill the Groceries and of course my car repair still waiting so no chance to save.
Not happy on the home front just now as I asked both of my kids to help out with moving my little car to the repairers, but as usual everyone is too busy, and then later in the day my DD asked to borrow some money from me until Tuesday, and I said yes I just don,t seem able to say no for no,s sake it just seems so childish and she needed the money for medication for one of my Grandkids, and I would walk over hot coals for them.
Wednesday, May 19, 2010
I had an expensive week this week I started off well with a notebook and pen when I boarded my flight to south Australia, but I quickly lost control of my spending and arrived home broke with no idea where it all went, so I,m annoyed and embarrassed. I am going to have to keep a tighter rein on where it all goes, and now I have a car repair to budget for.
Thursday, May 13, 2010
To get back to my original point my weekend away with a couple of really good mates allows me to be me and not someones wife and someones carer, so let the laughs begin and the Champagene flow!!!!
A reasonable expensive day for me today as I had a bill to pay.
- Mobile phone Bill (2 months as I am late with a payment) $ 81.54
- 40th Birthday present (for a workmate) $20.00
- Fish and Chips ( could,nt be bothered to cook tea tonight ) $20.00
- Tin of cat food ( will Grocery shop tomorrow) $1.90
Grand total of $123.44 I could have done a lot better if I had been better organised. I,m blushing as I read these amounts back.
Will be back Wednesday I intend to keep a little notepad and pencil in my handbag, so I can keep track of my spends this weekend, butI know I am doomed to failure as far as being cautious with my money goes.
Wednesday, May 12, 2010
Spends today were.
- Railfare $10.60 ( had to keep a Specialist Appointment )
- Petrol $15.00 ( I like to keep my tank topped up )
- Magazine and Chocolate $6.00( my splurge for the day )
- Top and Sandals $6.00 ( todays bargain )
Not too bad for $37.60 and I will put the top away as part of my DIL,s Birthday present. Got to love a bargain.
Monday, May 10, 2010
One of the points in particular I noticed last night was the fact that the Millionaires were getting more out of the experience than the recipients, and I,m not talking financially. They were reduced to tears by some of the people they met and helped. I felt really teary myself during the show.
I seem to be at a crossroads just now at work and I may need to change jobs soon, but I,ll come back to that.
The budget is still not done and it,s not that I,m putting it off, I have just been so busy this week. I saw the T.V. advert for mybudget.com.au and considered having someone else draw up a budget for me, what really interested me about it was the fact that they speak to your creditors and arrange the payback amounts, saving you from having to go into panic mode everytime the phone rings, this is something I am very familiar with.
Spent no money at all today I,ll have to start introducing more of these non spending days.
Thursday, May 6, 2010
In the words of Arnie " I,ll be back " and this time I,m b****y determined.
Tomorrow is payday and I will come back with a plan of action. Promise !!!!