Another payday, another nzd289.15, split up in the usual way:
bill paying account 110.00
food 20.00 - spent 11.80
home maintenance account 20.00
seems to working all right. I think I will keep going until I have fully funded the EF. I thibk I can get it up to $10,000 by the end of next year, barring no unforeseen big expenses.
Viewing the 'Money In' Category
Another payday, another nzd289.15, split up in the usual way:
Today was the Artsenta Market Day, but the weather was bad and not many came. I only made nzd30, but that's better than a kick in the pants. I talked to one artist who's setting up a shop for all things fiber related. She wants to sell my lace scarves and as the commission is only 25% I guess I will put in a few and see how they go.
Payday. nzd289.15 in.
soy milk 2.29
Day 3 of fasting. I was rather sluggish and light headed on waking, but that's to be expected at this stage. Day 3 is always the most difficult for me. I wasn't physically hungry but mentally wanting to eat and thinking of chucking it in. Drank a lot of water. My weight is down to 81.5 kilos but that is water loss.
Payday nzd289.15. I only had to take out $20 because I am paying my checking account back from misc and not putting any more into medical. So I only needed $20 for food but I'll only be buying grape juice for communion.
I only spent 2.00 donation to Knit Squad. I saw a nice top in Orphans Aid but it was large size and I intend to get back to medium.
Day 2 of fasting. I had forgotten how the minute you start everyone wants to give you food. Today I was offered corn chips with salsa and buttered toast. I am not hungry but wanted to accept out of habit.
I am still drinking tea because I am addicted again, but the foul taste is beginning to develop in my mouth so I will only want to drink water soon.
I received $60 from my Bonus Bonds but can't spend it because it's automatically reinvested.
Payday - 5th this month $289.15. Yay! I will buy produce tomorrow, apart from that I shouldn't need to buy anything this week.
There is a church picnic planned for Sunday, but the weather forecast doesn't look promising. The backup plan is to go to a cafe, so I may end up buying lunch.
In: found 50 cents
Out: Marmite $5.50
Today for breakfast I had oatmeal with sultanas and cinnamon; lunch coconut pancakes with lemon juice and sugar; dinner pasta, potatoes, broccoli and chickpeas.
Someone gave me 4 bags of weaving singles. I knew it would take me ages to get round to using them, so I donated them to the annual craft sale.
I am not buying books and today I found in the Lilliput Library a book called Money Success and You by John Kehoe. It turned out to be one of those motivational books that tell you about other rich people. I don't need to be a multimillionaire and I don't want to be famous; I'm just looking for a basic how to on investing.
In: found 10 cents
Out: fruit and veg $6
There was a load of very good yarn in the thrift store this morning. I could have spent $32, but realised it's only 2 months to Christmas and I'm supposed to be setting money aside for it.
I finished the last of the popcorn.
brunch with friend $7.90
I realised that if I put all $20 per week of my misc money into the T Harv Eker jars, I can do it with the suggested percentages. It makes sense to try the system the reccommended way when it works for a millionaire, before trying it my own less successful way.
So the reccommended percentages are:
Financial Freedom 10%
Long tern Savings for Spending 10%
pasta 75 cents
I have been reading about the six jars method of handling your money by T Harv Eker. I'm always looking for more efficient ways to handle my money so will give it a try for the next 6 months. But with the system I'm already using, I can only put $5 aweek from my misc $20 into the jaars, plus my loose change.
I dickered with the amount going into the jars. There didn't seem much point in having a Neccesities jar when I'm already budgeting for that outside of the jars, whereas I really want to beef (oops I mean tofu) up my Financial Freedom jar. So my allocation is:
Financial Freedom 50%
Long Term Savings 25% this is going into my Trans Siberian fund
Education 10% I am saving for recorder lessons
At the moment I have a total of $14 in my jars.
Now that it is lighter longer I have started going to early morning meditation again. Afterwards the center gives us breakfast, so I just had marmelade on toast.
In: found 20 cents
bread roll 69 cents
left in my cash envelopes:
change dish $4.30
mta vouchers $30
bus card $20.03
Found 50 cents.
Payday. Today is the last payment of the electricity supplement, so a total of $286.69. I am capping my house maintenace account at $2,800 and my travel fund at $5,000, so was able to transfer $100 from each account to my EF.
In: found 10 cents
Out: 5kg rice $6.70
1.5kg flour $1.80
$3.27 interest credited to my EF for September. I'll take it.
I used the last of the aduki beans and nutritional yeast. I'm trying to use all the dried beans before I buy anny more cans.
I received notification I have been given a $630 rebate on my property taxes. I will have to pay the full quarterly amount in December, but I will only owe around $300 for the last 6 months of the year.
Payday. I stocked up on oats, $5.10, and potatoes, $7 for 10kg, as they were on sale. I also paid the Regional Council rates, $141.60.
I like to make frequent contributions to my goals, even if they are small. If a week goes by without some progress I get twitchy. Today I found a dime to put to my Trans Siberian fund; I now have $87.
Also I was walking back home when I passed a house with a box of food at the gate marked FREE. I took a can each of green peas, pineapple and pasta sauce.
bread roll 70 cents
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.
I found a dime. Net gain as I didn't spend anything. I did find a book of lovely lace patterns at the library and spent some time drooling over the gorgeous yarns but didn't purchase anything. Not until my birthday.
I sold a child's vest I knitted for $15. I put the money in my Trans Siberian tin. Now I have $32.70.
Left in my envelopes
change dish $4.60
My friend gave me the knitting needle, so I gave her the $6. There go my hopes of a no spend week. But since it was ordered last week I guess you could call it deferred spending.
And I found a half dollar by a parking meter.
Found another 10 cents today: a total of $8.30 in my Trans Siberian fund.
Payday. A whole $289.61 into my account. The electrician's bill finally arrived so I paid it right away, $222.63. Still left with well over $2,000 in the House maintenance a/c.
I had almost $500 in my check a/c so transferred $400 to my FFEF. I now have $2.082 in there.
I went to Knit Squad this afternoon and made a gold coin donation. I also put a dollar from my misc money into my Trans Siberian trip money tin. If I put a dollar in there every week I'll get there in a hundred years! But if I don't start saving something I'll never get there.
And I bought another cabbage and 4 cans of beans at a dollar each. It's a good job I like cabbage, and it can be cooked in so many ways.
For the months of July, August and September I am recieving an extra $20.45 a week to cover increased heating costs. I have the heat pump on pretty much permanently in winter, it is bad for me to be cold.
I went to the Caltex gas station today and bought bread and pasta for $8.60. I paid with one of my vouchers and got $1.40 in change. I will buy carrots with some of my cash on Sat, apart from that I don't need anything.
And I found 50 cents on the way home. I now have $5.20 towards travelling the Trans Siberian.
For lunch I made a batter with peaflour and curry powder and added the struggling bean sprouts to make vege pancakes.
Today I found 30 cents. At one stage I was saving all my found money for a trip on the Trans Siberian. I think I'll do that again.
I made some sprout scones from the recipe by Jack Monroe except I used kale. They were good; I'll definitely make more of her recipes.
Today is benefit payday. As well, I received $220 from my Bonus Bonds, which will be reinvested, and I found .20 cents. Now to see how much I can hold onto. The only cloud on the horizon is my share of the plumber's bill for a burst pipe which affected all our units.
My first no spend this week, plus I found .60 cents.
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