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Viewing the '$20 Challenge' Category

Day 112 - 36 weeks to go

September 16th, 2018 at 02:24 am

Spent:
oats $5.10
flour $1.60
pasta 70 cents

My travel account had built up more than $5,000 so I transferred $300 to the EF. I now have over $3,000.

left in my cash envelopes:
food 0
misc $93
medical $258
change dish 70 cents
mta vouchers $50
bus pass $21.95

Day 111

September 15th, 2018 at 03:55 am

A fine sunny day, so I line dried the laundry. Then I went for a walk and on the way bought myself a packet of chips. What I gain on the swings I lose on the roundabouts. I shall have to tighten the purse strings to save for Christmas. I am actually thinking I will be buying gifts in India and giving them when I get back.

Day 110

September 14th, 2018 at 02:22 am

I looked at my watch this morning and thought it said 8.45. I hurriedly caught the bus, looked at my watch again, and found I was in town an hour early. I couldn't think of anything better to do than have a coffee in a breakfast cafe. Not only did it cost $3.50, because I haven't drank coffee in ages, it tasted disgusting.

Day 109

September 13th, 2018 at 02:36 am

Today I yielded to my New Zealand middle aged female rite of passage and had my hair cut short. A friend did it for me so it didn't cost me anything.

Day 108

September 12th, 2018 at 02:24 am

So far my $20 challenge has been going well. If things keep going well I can see myself continuing this until my EF reaches the goal. I'm still planning to go to India in December, so will be taking a 4 week break, but the money for it will come from my travel fund.

Day 107

September 11th, 2018 at 02:11 am

I was walking down the street when the wind blew a $20 note past me. I can't run much but I sure scuttled halfway down the road to catch it. Another 20 bucks for my EF.

Day 106

September 10th, 2018 at 02:07 am

The weather is getting warmer. I've been able to leave the heat pump off for the last 3 days, so this month's power bill should be lower.

Day 105 - 37 weeks to go

September 9th, 2018 at 02:06 am

Left in my cash envelopes
food $4
misc $100
medical $238
change dish $2.30
mta vouchers $60
bus card $3.87

Day 104

September 8th, 2018 at 02:12 am

It's true: you can get used to anything, including eating the same thing every day. I have been eating pumpkin for the last week and I'm still enjoying it.

Bought 2 bread rolls $1.38, and 6 brown bananas $1.74.

Day 103

September 7th, 2018 at 02:44 am

For some reason I had difficulty logging in to the blog, it kept sending me to the forums.

A local yarn store is closing down at the end of the month, but so far I have resisted going to bag bargains. There are 2 better stores remaining.

Bought 2 cans of baked beans at 70 cents each.

Yesterday at the thrift store I spotted a nice top but decided I didn't really need it. I thought about it last night and went back this afternoon to have another look, but it was gone. Phew. $2 saved and into the Trans Siberian fund.

Day 101

September 5th, 2018 at 02:07 am

So I'm walking past the bakery and my debit card jumped out of my wallet, ran inside and came back out with a slice of lolly cake. So of course I had to eat it.

I have to start leaving my debit card at home and changing my walk home so I don't go past the bakery.

And every time I blow my budget put an equal amount into savings.

Day 100

September 4th, 2018 at 02:44 am

I have calculated that I am currently spending a total of $210 a week. Multiply by 13 and that is $2,730. So I already have 3 months of stringent living expenses in my EF. I want it up to $10,000 to cover any major house repair expenses or having to fly overseas to sick family members.

Day 99

September 3rd, 2018 at 02:09 am

I had $362.85 left in my checking account so transferred $300 to the EF and left the rest as a buffer. If I can keep saving $300 a month I will hit my goal in 2 years.

Day 98 - 38 weeks to go

September 2nd, 2018 at 01:58 am

Left in my envelopes at the end of this week:
food $2
misc $83
medical $208
change dish $2
mta vouchers $70
bus card $7.35

Day 97

September 1st, 2018 at 02:45 am

I paid my quarterly rates (council property tax) $492.32. Almost 6 months of food budget. Costs me more to keep a roof over my head than it does to eat.

Day 96

August 31st, 2018 at 02:05 am

It's been a frustrating day. I was binding off on a shawl when I realised I'd made a horrible mistake near the beginning. Nothing to do but frog and start again. Takes me 20 minutes to do one row.

And I'm coming down with a cold.

Day 95

August 30th, 2018 at 02:16 am

Today in my $6 produce bag I got: 2 apples, 2 kiwis, 2 oranges, 1 head broccoli, 2 large carrots, half a pumpkin and 4 onions. Not sure what I'll do with the onions, maybe give them to Food Share and ask the people at All Saints if they could leave them out in future.

It is kind of fun not knowing what I'll get in my bag but it does make meal planning a little tricky sometimes. I'll do it a while before I decide whether I prefer choosing for myself.

I also bought bananas, bread and peanut butter at New World $5.20. I am limited to the same dozen or so cheap items but that's ok as it's the food I grew up on and I like it.

Day 94

August 29th, 2018 at 02:19 am

I decided to cap my House maintenance fund at $2,800 so was able to transfer $100 to my EF.

Bought a loaf of bread $1.

Day 93

August 28th, 2018 at 02:10 am

Today I bought a circular needle, $7, and a ball of yarn, $3.90, in order to complete a project. I'm not kicking myself over it as I've only bought 5 balls so far this year. I unsubscribed from some websites as they send me emails about what's on sale and I want to buy. One of my favorite lines is being discontinued and I want to stock up all the lovely stuff on clearance. I keep telling myself there will be more lovely yarns when I'm ready to buy again.

Day 92 - 9 months to go

August 27th, 2018 at 02:11 am

Ugh, after 3 months spending only cash from my budgeted $20 for food, today I impulse whipped out the debit card and spent $3 on raspberry slice. Not a good purchase as it was terribly sweet and made me feel sick. I usually feel that way after eating sugar and try to avoid it, but sometimes I binge. I think I'm addicted as I feel better without it. Never mind, it could have been the $112 shawl kit I've been drooling over. I'll take the $3 out of this week's food money and put it in the Trans Siberian fund.

Day 91 - 39 weeks to go

August 26th, 2018 at 02:03 am

Left in my envelopes
food 0
misc $88
medical $198
change dish $4.50
mta vouchers $70
bus card $14.08

Day 90

August 25th, 2018 at 02:10 am

I took $3.10 from my change dish and bought 2 Turkish rolls and 6 brown spotted bananas for lunch because I couldn't be bothered cooking.

Day 89

August 24th, 2018 at 02:06 am

I will be glad when spring arrives so I can go back to walking more. Spending quite a bit on bus fares.

I must be getting old. I have my regular cervical smear tests, been having mammograms for the last few years and now I'm being put on the bowel cancer screening program. I'm glad my dr is looking out for me but it's a bit alarming to think of all the unpleasant things that can befall me.

Day 88

August 23rd, 2018 at 02:05 am

Spend day. I went to lunch with a friend, $6.60 from my misc envelopes. It is going down quite rapidly so will have to put the brakes on spending. I will need a new pair of shoes soon so will have to save for those.

I went to All Saints for more fruit and vege. I got half a cabbage, half a cauliflower, carrots, yams, apples, kiwifruit and oranges. Pretty good for $6.

Day 87

August 22nd, 2018 at 02:13 am

Missed a few days for website maintenance, but all I have done moneywise is put another $20 on my bus card.

Tonight I went to a soup and poetry night nite and spent $4 ON BREAD ROLLS. love 'em. I could eat them all nite with pumpkin soup.

Day 83

August 18th, 2018 at 02:06 am

I still have several cans of beans and 2 packets of pasta. Looks like beans and pasta every day this week. Not complaining as I like it and I have different sorts of beans and veggies.

Day 82

August 17th, 2018 at 02:08 am

I reduced my yarn stash by 400 grams today. Someone had given me some laceweight but when I tried to wind it into balls it was all deteriorated. It must have been sitting in someone's basement for years. So I threw it out. I hate wasting yarn but some things are not salvageable.

I went to see the Australian documentary The Song Keepers. I left my money at home so no popcorn, but it didn't seem appropriate while the choir was singing ancient hymns.

When I got home ds had taken pity on me heating water in the microwave and bought me an electric jug.

Day 81

August 16th, 2018 at 02:36 am

I withdrew my weekly $60 today and then I spent from the misc at the thrift store $5 on 2 skirts, 20 cents on a knitting pattern and $3 on a Greek-English lexicon. I did a course on New Testament Greek some years ago and am getting rusty. Time to ward off dementia by keeping the brain cells active.

I spent another $18 on trash saks (ok, that's more than $20 from misc this week). We have to buy the ones the city council puts out and they keep getting more expensive. User pays. When I was living alone I didn't use many but now ds is back he can really churn out the rubbish. Here's me trying to leave a clean planet to future generations and him what inherits it is messing it up.

I decided to buy my fruit and veggies from the All Saints co-op. Saves having to go to 3 different shops to get the best price and as the produce is fresh from the market the quality is better. They do a bag for a single person for $3, but I find it doesn't contain enough veggies for me, so I went with the $6 bag. I think it's easier to budget when I know I'll be spending the same amount every week.

Day 80

August 15th, 2018 at 02:22 am

Payday. I have decided to make Thursday my shopping day (in case there is a delay in my benefit going into the bank) so will withdraw money and hit the stores tomorrow.

I did give a koha of $1 at the Knit Squad today. We meet at the community rooms and today the community gardens had put a box of leeks there for people to help themselves. I didn't want to be greedy so only took one and made leek and potato soup for dinner which will last me 3 days.

I have been occupying myself with finding out how many cups of tea I can get from one teabag. I take it without milk and sugar so don't like it too strong. I can get 3 cups by putting the teabag in the cold water then heating it for 3 minutes in the microwave.

Day 79

August 14th, 2018 at 02:07 am

I think I'm mildly addicted to spending. If I go 2 or 3 days without going to the shops I feel antsy and want to go see what there is and buy - something. Usually food but anything just to satisfy the urge. I think it's the power of handing over the money and getting whatever I want in exchange. Most of my purchases are small in dollar terms, but if there's a lot of them they add up. I'm considering having only one spending day a week, where I do all my shopping for groceries and anything else that's needed and pay the bills. The rest of the time stay out of stores. This will force me to make a list, which is the best way I know to save money.


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