Another no spend day

Another day without spending a red cent yippeee, just another million more of these and I,ll be rich. LOL

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.

The lost weekend

My car broke down today, the poor old banger has been getting neglected a bit lately and it looks like she has retaliated, and on a week when all my money has been accounted for.

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.

A Girlie Weekend

I think the best times we spend are when we are in the company of good friends which is why my weekend away although expensive (as it involveds Airfares) is going to be worth it,s weight in gold and definitely money well spent. And yes I know it,s not going to put savings in the bank but it just might save my sanity. My home live is shared with MM, his ailing elderly Mum (my MIL for future reference) and my demanding cat. There is never a moment of the day when the house is mine and mine alone, so I have developed this habit of waiting until everyone is in bed and asleep before I write my blog and plan my budget, a suppose I am what is termed an insomniac although my habit is formed from my need for time alone.

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.

1. Mobile phone Bill (2 months as I am late with a payment) $ 81.54
2. 40th Birthday present (for a workmate) $20.00
3. Fish and Chips ( could,nt be bothered to cook tea tonight ) $20.00
4. 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.

An absolute bargain

After my successful no spending day and deciding to have many more of them, I had a huge blow out. Well it could have been a huge blowout only I ended up buying a Top and a pair of sandals for $6.00 ( aussie dollars you do the maths ) The top which will suit my Daughter-in-law perfectly was reduced from $19.95 to $1.00 and the sandals were reduced from $19.95 to $5.00 saving myself the grand total of $34.90, don,t you just love end of season sales.
Spends today were.

1. Railfare $10.60 ( had to keep a Specialist Appointment )
2. Petrol $15.00 ( I like to keep my tank topped up )
3. Magazine and Chocolate $6.00( my splurge for the day )
4. 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.

Who wants to be a Millionaire ???

I sat last night and watched the U.K.s The Secret Millionaire and aside from applauding the good deeds and the money that they gave to certain communities, I found myself wondering how on earth they managed to make all their money. I suppose I am jealous of their financial success, as I have made such a mess of mine, but how on earth do you start as most of them came from very humble backgrounds. I suppose they saw am opportunity and had the guts to give it a go, or maybe their poor beginnings gave them the extra drive needed to make a success of a new business venture, whatever the answer I hope my Grandchildren give it a good go when they are old enough.

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.

Well as I promised myself I am back although I am nowhere nearer writing a budget than I was yesterday, but today being payday I have brought my bills up to date and next week will register my car and pay of the rest of my Electricity Account. Then and only then will I be able to start putting money away and sticking to a proper budget. I have bought the pens and a budget book and I intend to enter everything I spend. I know that a spreadsheet would make this easier to track, but I, m an old fashioned kinf of a girl and I like to see it written down, whatever works for you.

In the words of Arnie " I,ll be back " and this time I,m b****y determined.

When will I ever learn

It,s been 8 months since I last put finger to keyboard and came into my blog. I actually had decided to cancel it but due to my lack of the necessary skills I did,nt know how to. And so I am back and lamenting about my finances again, as I type this my Electricity Bill is due as is my Mobile bill and my ( Foxtel Telstra and Internet ) package is also due. And I have learned absolutely nothing, my finances are still in a mess and my Daughters Wedding is in 7 Months time and I have promised her money towards it.

Tomorrow is payday and I will come back with a plan of action. Promise !!!!