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:
change dish 70 cents
mta vouchers $50
bus pass $21.95
Viewing the '$20 Challenge' Category
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.
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.
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.
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.
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.
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.
Left in my cash envelopes
change dish $2.30
mta vouchers $60
bus card $3.87
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.
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.
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.
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.
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.
Left in my envelopes at the end of this week:
change dish $2
mta vouchers $70
bus card $7.35
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.
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.
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.
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.
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.
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.
Left in my envelopes
change dish $4.50
mta vouchers $70
bus card $14.08
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.
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.
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.
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.
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.
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.
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.
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.
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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