Day 11 No Spend February / Ive Been Approved !!!

No Time To Spend Money

Pay day today and once again a really good weeks wage, just check out my snowflakes I have added another $280 to them today. But boy am I stressed out and tired, for example last weekend I worked back late on Friday, worked another 6 hours on Saturday. Then went to my Granddaughters birthday Party, fell into bed that night exhausted. Got up Sunday went Grocery shopping, came home and eventually got some washing and housework done, before collapsing into bed early again.
I am doing super well on February,s No Spend Challenge, the main reason being I don,t have time to spend any money. My joints ache my headache is constant, and I,m working again tomorrow.
Why am I doing so much overtime, it,s partly because I don,t know how to say no. Our Printing Firm is doing so well in this economic climate and our Boss gives us the "all hands on board so we can all keep our jobs" speech weekly. plus I am putting my snowflakes to debt repayment and I can,t wait to see it paid off.
A lot of upsides and a lot of downsides too, but it could all dry up tomorrow so till then I,ll keep plodding along. There is a more personal reason behind my need to keep my job and earn extra income. After almost 3 years of excellent blood levels my Husbands Leukemia has reared it,s ugly head again, when he was first diagnosed his condition was so bad that he was,nt able to work for a couple of years, and I became the bread winner and ended up flat broke and in debt. There is no way I am going to allow that to happen to us again, so in the meantime I,ll take on all the work I can get. I am not looking for sympathy, as I am quite well. But somehow it just came tumbling out, it,s amazing the connection you feel with people you don,t really know.




Now for the good news I have been approved for my PC, yahoo !!!!!! I should get it before the end of next week, and my Son and Wife have gone away for a few days and have brought me back the laptop until Tuesday, so if the worst comes to the worst I may only be without the internet for a couple of days, so over the next couple of days I should be able to catch up on all your fabulous posts, looking forward to it.

Popping in again/ On the hunt for a PC

Despite the fact that I have searched everywhere for a PC that anybody is prepared to give me or for me to buy cheaply, the answer is always no sorry, and. the sad truth is that I am going to have to get one and fast. so I am either having to go with Plan 1 ) Buy on credit or Plan 2) rent to buy. So I took an Annual leave day today and went hunting, my first port of call was to our local Hi-Fi shop where you can get credit through GE finance. But because I still have a black mark on my credit report they declined my application. So on to the rent to buy scheme, this company claim to do no credit checks, but I fessed up to having this black mark ( $157.00 is all it,s for ) and they still went ahead and put in an application for me to get a new desktop PC and a new Monitor.
I should know in 48 hours if I have been successful, and the system will be delivered middle of next week.

I am going to have to redo my budget some time this weekend in order to make room for this $27 per week dent. This covers Insurance, 23inch Monitor, wireless keyboard and mouse and a fairly fast download speed.

Do I think I can afford to have this PC ? I think I definitely cant afford to not be accountable so I say yes worth every dollar. Keep your fingers and toes crossed for me.

Apologies but I cant possibly afford the time to catch up on all blog posts, so for those doing the challenge, I bet your rocking it about now, into the second week and cruising along.

My spends for this week are all within my budget, and charges for my new PC ( if I get it ) wont come out until next month, So far I have had nothing to throw me off of my no spending habits. Hoping this continues all month.

Missing having more time with you all.

This Might Be My Last Post For Awhile

Woe is me

Unfortunately the time has come for The Laptop to return to it,s rightful owners, my Son and his Wife. And it could be as early as tomorrow.
I,m devastated not because I will go back to my old spendthrift ways, but because we are in the middle of a challenge, and I,m enjoying it. Plus and this is a major plus I am going to miss all my blogger friends, so I will make a point of going over to my Daughters house at least once a week and posting from there.
I dont want to have to go into debt for a PC but I dont have enough money saved to cover the costs of a new one. However I,ll throw one or two ideas out into the Universe and see what comes back.
Till we meet again. xxxxx

Day 6 No Spend February

It,s Sizzling Hot

What,s with Mother Nature, now she is trying to fry us, the weather has now gone to sticky and very very hot. Thanks for your good wishes about our Cyclone disaster, it,s mop up and rebuild time for Queenslanders.

Now about finances, how did I cope with Lunch out with a friend, that was easy solved we canceled it, as she was having car troubles and was scared to make the journey up from where she lives about an hours drive from me.

So far I have spent my weekly limits on Fuel Groceries and Mad Money so nothing saved but no extra spent, so the news is all good.

Snowflakes have taken off as I earned $298.64 in overtime money last week, plus I will have more coming up this week as I worked back a couple of days and did 6 hours on Saturday. So it,s all going very well ( maybe I should have whispered that in case Murphy was listening ) On to day 7

It,s too hot to sit in my stuffy little Office, but I,ll be back tomorrow, see you all.
By the way I may have mentioned a couple of dozen times in fact that I am using my Son,s laptop. Well my Daughter-in-Law uses it for her courses and she wants it back as she has another course starting very soon, so if I disappear off the radar for a couple of days, bear with me as I will return.

Day 3 No Spend February

This month I,m going to be tighter than a ducks a**e

It,s day 3 of February and already I am faced with my first challenge, I have arranged to meet a friend for coffee on Sunday and I need my hair dyed. My mad money is $20 and my dye is around $12 this only leaves $8 not sure that this is going to be enough.

On the positive side I have spent nothing so far my Granddaughter turned 2 today and her present was already bought, and the food I,m taking to her party was picked last month.
Payday tomorrow and I have a Phone/Internet/Cable bill to pay also my mobile bill, these are not included in my no spends. So so far so good
This is January,s spends, look at the number of no spend days, I,m really pleased about them.

Total spend for 01 Jan 2011 - 28 Jan 2011: $1291.47

CAR EXPENSES
2011-01-07	Petrol	$20.00
2011-01-08	Petrol	$10.00
2011-01-19	Petrol	$10.00
2011-01-24	Petrol	$10.00
2011-01-28	Petrol	$20.00
TOTAL FOR CAR EXPENSES		$70.00
CHARITY
2011-01-21	Flood Donation	$20.00
TOTAL FOR CHARITY		$20.00
DEBT
2011-01-07	Lion Finance	$25.00
2011-01-14	Transpacific	$72.86
2011-01-21	Lion Finance	$25.00
2011-01-28	Transpacific	$70.00
TOTAL FOR DEBT		$192.86
ENTERTAINMENT
2011-01-01	Taxi Fare	$10.00
2011-01-08	Alcohol	$10.00
2011-01-15	Coffees and Cakes	$11.00
2011-01-22	Alcohol	$13.00
TOTAL FOR ENTERTAINMENT		$44.00
GROCERIES
2011-01-02	Aldi	$30.00
2011-01-07	Aldi	$115.00
2011-01-11	Coles	$9.00
2011-01-11	Woolworths	$10.00
2011-01-12	Aldi	$53.95
2011-01-15	Aldi	$56.05
2011-01-15	Woolworths	$15.35
2011-01-22	Aldi	$66.10
2011-01-28	Aldi	$100.00
TOTAL FOR GROCERIES		$455.45
HAIR AND BEAUTY
2011-01-14	Hair Dye	$13.00
2011-01-14	Nails filled	$30.00
2011-01-22	Nails filled	$50.00
2011-01-22	Shampoo	$4.67
TOTAL FOR HAIR AND BEAUTY		$97.67
HEALTH
2011-01-22	Prescription	$13.00
TOTAL FOR HEALTH		$13.00
HOUSEHOLD
2011-01-07	Electricity	$100.00
2011-01-14	Electricity	$298.39
TOTAL FOR HOUSEHOLD		$398.39
SPECIAL BARGAINS
2011-01-22	K mart	$0.10
TOTAL FOR SPECIAL BARGAINS		$0.10

SPENDLESS YEAR
2011-01-03	Spend Less Day	$0.00
2011-01-04	Spend Less Day	$0.00
2011-01-05	Spend Less Day	$0.00
2011-01-06	Spend Less Day	$0.00
2011-01-09	Spend Less Day	$0.00
2011-01-10	Spend Less Day	$0.00
2011-01-13	Spend Less Day	$0.00
2011-01-16	Spend Less Day	$0.00
2011-01-17	Spend Less Day	$0.00
2011-01-18	Spend Less Day	$0.00
2011-01-20	Spend Less Day	$0.00
2011-01-23	Spend Less Day	$0.00
2011-01-25	Spend Less Day	$0.00
2011-01-26	Spend Less Days	$0.00
2011-01-27	Spend Less Day	$0.00
TOTAL FOR SPENDLESS YEAR		$0.00
TOTAL		$1291.47

OMG It,s Happening Again !!!!!

I cant believe that it,s happening to us again, for the second time in 4 weeks Queensland is making headlines round the world, as Tropical Cyclone Yasi bears down on our coastline. Apparently this has now been upgraded to category 5 and is the biggest one we have ever had. So once again residents in the North East areas are being evacuated. according to the weather bureau this storm is expected to hit in approx 4 hours. Our Premier Anna Bligh has not spared any punches and has told us to expect mass destruction and many deaths.
I am not going to be directly affected, although I know a couple of people who are, but I feel sick to my stomach, at what is definitely going to be a major catastrophy.

Queensland needs your thoughts and prayers tonight.

Apologies Sharon if I put my financial report on the back burner, when this is all over and we know the final outcome I will post again,

I,m Super Excited My First Award

I,m super excited because today Denise at http://budgetconfidential.blogspot.com paid me the honor of a stylish blog award, so thank you thank you. Just glance to the right and it,s there for all to see.

Here are the rules to the award:

1. Thank and link back to the person who gave you this award.

2. Share 7 things about yourself
3. Award 15 other bloggers
4. Contact these bloggers and tell them about the award

No 1) This year is my Ruby Wedding Anniversary
2) I am Scottish by birth currently living in Queensland
3) My Mother-in-Law lives with us, not too sure how I got talked into that one
4) I have 2 children 36 and 33 years old and 3 Grandchildren 8,5,2 years old
5) I have one very old black cat called Scotty
6) When I was 16 I met The Beatles
7) I love love love The Rolling Stones ( and not The Beatles )

I follow and love all of my blogging friends, so I am going to do what Laura at http://www.nomorespending.net
has done and award this to all my special blogging followers, enjoy.