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Halfway thru year

June 30th, 2006 at 05:15 pm

Time to inspect the damage caused by ds flitting the nest. Apart from the money I spent on him, this month's expenses came to $NZ646.61 Not bad, could be lower in theory, but since I live on a low income anyway, and have to watch pennies all the time, I tend to rationalise my treats.

Property taxes 87.40
Electric 101.00
Insurance 48.78
Phone 44.78
Internet 27.95
Grocery 113.25
Eating out 18.75
Church 58.25
Household 4.00
Prescription 4.00
Hobbies 5.00
Shoes 29.95
Travel 60.00
Misc. 43.55

However, I am above budget for the first 6 months of the year. To keep within budget I have NZ4,672 to spend for the rest of the year, or 778 per month. I want to see how much of that I can save into my battered Emergency account, so have decided:

Sign up to Stashalong for 6 months and not purchase any more yarn or materials.
Don't buy any more outer clothing.
Restrict use of ATM to one cash withdrawal per week, and pay for all purchases in cash. Once cash is gone, that's it for week.
Eat out only once per month.
Only one trip out of town per month.
Restrict long distance calls to family to once a week.

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