My only purchase today was a bag of oats for nz$2.29. Hmm, .50 cents more than last winter - I thought prices were supposed to go down in a recession.
As I picked out my store brand packet, I couldn't help noticing all the schlepped up oats at fancy prices, all full of dried fruit (and a lot of sugar) and all the granola/candy bars. Amazing what the healthful reputation of oats will do for the manufacturer's bottom line. Aha, they're all buying the stuff - that's why it's getting expensive. I thought competition was supposed to drive prices down.
Write on my tombstone: she pondered the nature of oats and capitalism.
Viewing the 'Money Out' Category
My only purchase today was a bag of oats for nz$2.29. Hmm, .50 cents more than last winter - I thought prices were supposed to go down in a recession.
There's a sale on at the yarn shop. It's good because I get extra hours, but it's hard being surrounded by lots of lovely cheap wool and seeing it all walk out the door, wondering if there'll be any left for me. I keep wanting to buy, buy, buy but I am staying focused on my goals. The only purchase i have made is 3 balls of black silk laceweight, because it's hard to come by, especially at nz$4.50 a ball. It's for a special gift for a friend at Christmas, so it's budgeted for. And I bought a new cable needle because I lost mine.
I must make time to visit the wool shops when I go to Britain. I will buy something really special as a souvenir.
trying to interfere with my resolution to save. Today I had to buy a new watch battery nz$15.90.
Still squeezing those dollars and not buying anything I don't have to, but today I bought some reduced price raspberry buns for nz$2.80 and a top at the Presbyterian opp shop for $1. Was tempted to buy a new raincoat for $139, but I will put it off until next month. And I found 10 cents by the parking meter.
Last week I started back at my afterschool care cleaning job. Guess what - there is an outbreak of head lice in the little darlings. My poor scalp started tingling, so I hied me to the pharmacist who assured me nits love clean hair and sold me a natural louse killer for nz$22.50. Yikes! I need a lawyer so I can sue for mental stress, public loss of face and anything else that stands a chance of getting me my money back
One of the girls who works there has dreadlocks. Poor thing, she is going to have to cut them off.
I borrowed a book from the library last month called The Armchair Economist by Steven Landsburg. I was so diligently perusing it trying to educate myself I forget to return it on time and it cost me 30 cents. Still beats signing up for a semester study on the subject.
I have decided the problem with economists, financial policy advisors and others of that ilk is they are all doing better than average so support whatever system enables them to do well. If economists earned minimum wage I bet we'd see some very different economic theories.
Oo it's hard to be working in the January sales. People all around you snapping up bargains and you wonder if there'll be any left for you. Plus there's that staff discount. All too easy to pull out the debit card and there's one purchase of nz$51.90 and another of 119.70 and I'm carrying home my winter wardrobe to be knitted. I justify it by telling myself I can wear my jerseys at work, but really, I don't think I'd have bought so much wool if I'd had to pull a wad of notes out of my wallet. So I'm going to go to a cash basis and see if the pain of parting with the greens makes me spend less.
The Red Cross shop had a dollar a bag sale. I didn't need much, but I got two pairs of black pants, because you can never have too many pairs of black work pants.
my tooth. Goshdarn grit in an apple. Because I have previously had a root canal on that particular tooth there was no pain, but it was past saving. The dentist neatly extracted it, along with nz$245 from my savings account. This, she says with a gap toothed smile, is what emergency savings are for.
I often pick up fruit and veges at a little Asian store not far from me. They are cheap but you have to use them quickly as they sell them near their best by date.
I had some pumpkin in the fridge I was meaning to get round to using. I delayed too long and it turned all soft and slimy. Ugh, I had to throw it away. 99 cents wasted. Maybe I should start doing like grandma and buy my greens every day.
In the meantime, a note to self. When you buy something and don't use it you are throwing money away. Remember that dress you thought you would wear to a party some time and never did? nz$120 thrown away (actually a donation to the Sally Army that time) Always, always, always ask yourself before purchasing whether you are going to truly use it or you just want it. You are going to have to save up $200 now to generate that $1 pumpkin income in retirement.
If I go back 20 years, new roof on house, nz$3,600 and first ever computer nz$1400. Since then various house repairs, replacing hot water cylinder and kitchen floorboards, and most recently putting in the heat pump. All in all, necessary purchases. The only other thing I spent $3000 on was going to India. Even my last car was only $800 (if I add in repairs to it it probably comes to over $2000 spent on it total)
I'm saving up money for a trip to Britain to see ds, probably nz$5,000, apart from taht there's nothing I really think is worth spending one grand on.
Yes I'm on a bare bones budget this month, but I'm not so hard up I can't afford to post a pair of handknitted sox to my dad. nz$4.50 I could have written a poem and paid just .50 cents postage, but he has dementia and I think he will appreciate the sox.
I worked extra hours this week because of the sale. I spent all the extra money earned in the sale. 65 balls of wool. Nearly nz$100 worth. 16 white, 20 black, 20 earth tones, 8 purple and one striped sock wool. All 100% wool and very good value - if I needed it all.
I tell myself it is for gifts to knit for other people and for charity. I tell myself I haven't got a white cardigan so I need to knit one. I tell myself I won't be spending money on other things if I am sitting peacefully at home knitting.
Who am I kidding? I have a massive stash already. It will take me at least 2 years knitting to get thru it. Why do I keep buying yarn and then not get round to using it. I am addicted to the thrill of fondling the lovely balls, the planning of a new project, the excitement of casting on a new garment. Once I get finished I lose interest. I have knitted literally hundreds of jerseys and kept very few of them.
I make resolutions to not buy any more yarn until I have used up my stash. This week my resolve crumpled again. My stash is bigger than ever. The pleasure I get from knitting is beginning to be spoiled from worry about the money I am wasting. My hobby has gone thru passion to become an addiction.
There are no twelve step groups for compulsive yarn buyers. All knitters are stash hoarders and enable each others habit. Working in a yarn store is the worst environment for an addict. Everyone there only works to support their habit and spends more than they earn on wool.
My last remaining excuse is that if I didn't keep my fingers busy knitting I would be a chain smoker. There, I'm feeling virtuous again. It's good for my health.
I got my insurance bill. Because I have made no claims on house and contents my payment has gone down. nz506.16
So I get to work and there is a cunningly placed box of patterns. Of course I can't resist going to have a look and finding one for .80 cents. The good thing about patterns is you can use them any number of times.
I nearly came out even today. I went to post my tax return and then I remembered; for most govt departments sending in forms is freepost. The IRD asks you to pay for the stamp yourself (maybe they are trying to boost Post Office revenue?). So I went to buy a stamp for nz.50 and on the way back I rescued a 10 cent and a 20 cent from being buried alive. There were roadworks going on and they were lying not far from the hole. Glad the workman didn't poke his head out as I was picking them up or I'd have been embarrassed. Now I wonder, do I have to declare .30 cents as income from the Ministry of Transport?
I decided with all the nasty weather we are having lately I need a pair of legwarmers. Not enough suitable wool in my stash, so I decided to buy some at work today. I knew the cheapest all wool I could get would cost me nz2.80 a ball and I'd probably need at least 4. On my way to the shop I thought I'd look in the Hospice shop as they often have balls of yarn. While I was there a hand knitted sweater caught my eye. I didn't like the design much, but I recognised the wool as retailing at nz11.80 a ball. So I bought it for $4. Once I've unravelled it I think I will have enough for a vest as well as legwarmer, or maybe a scarf and beanie.
It's that blessed debit card that does it. When I have only a little cash to spend i am careful because i don't want to get any more out, but since my pay went it the debit card keeps telling me - go on - only $6.00 for lunch; you've got $300 in your checking account, you can afford it. I guess I can because the bills come out of another account, but there are things I am planning to buy, like a new coat, and frittering my money away stops me reaching my goals. I only spent nz3.20 in cash today, on a needle guage which I'd planned to buy, but nz20.00 went on junk food and other junk. I'll have to stop carrying the plastic fantastic.
At work we were tearing the covers off the old knitting magazines to claim credit, and the manager told me I could take them home if I liked, so long as I didn't sell them to anyone. So now I have a fresh load of patterns - the trouble is I want to buy a fresh load of wool to knit them all. Hmm, I can see I am going to be spending a lot of my wages in the shop.
So today was the annual big book sale. The books have gone up in price from .50 cents to nz1.00 each. I heard some of the workers saying next year will be the 30th and the last year in the current format. It goes for 24 hours and they have bands playing. As it was so crowded I didn't stay long, just bought a big load of craft magazines for nz4.50. Should keep me busy over winter. I like it that the older ones show you how to make stuff out of odds and ends, instead of going out and buying special materials which cost a bomb.
Routine visit to the dr today, altho I've been feeling more energetic recently, I had to get a new prescription. So with my Community Services card it was nz30.00 for the dr and nz6.00 for the pharmacist. However as a high user, I qualified for a free flu jab. My arm is sore, but hopefully I am protected for the winter.
Brr, it's freezing today. A southern blowing all the way from Antartica, and snow down to 300 meters. I need warm wooly socks, so bought sock needles for nz4.30 with my discount. I have forbidden myslef from buying any more wool until I have used up my stash - good job I have lots of fingering wool.
What happened? I took nz 40.00 from the ATM on Wednesday and two days later I only have 14.50 left. This is what happens when you're not paying attention - automatic pilot takes over.
I have just started a spirituality course which includes a section on mindfulness. Instead of watching my breath in and out I think I shall have to start watching my cash in and out. Dollar Buddhism.
I love cheese, but rarely buy it as it is so flippin expensive - and fattening. Today I thought I would splash out on a far too small piece for nz5.00. I have already eaten all of it on toast. I don't regret the money, but now I'm worried about getting on the scale!
...but it pours. Today I got offered a second job, working at the LYS (local yarn store) on Saturday. I hope I can cope with 2 part time jobs, but there is a chance I may be offered more hours at the yarn store, in which case I will let the cleaning job go. In the meantime, I think it will be enough to see me through the winter (always a difficult time for me)
My mouse decided to celebrate by dying on me, so purchased a new one for nz29.95. I also thought I would buy myself a little treat, so went to a cafe I haven't been to before. A club sandwich and a long black cost me nz8.20. Ouch! I'll stick to a samosa from the Indian takeaway in future.
About 15 years ago, New Zealand deicided to get rid of the 1 cent coin, as you couldn't buy anything with it. From then on, everything was rounded to the nearest 5 cents. However, in their attempts to make us think we were getting a bargain, the shops continued to price in nines. So you'd see a can of beans at .99 and think, less than a dollar, but when you got to the checkout, it cost you a dollar anyway. But if you bought 3 cans, $2.97 rounded down to $2.95. Two cents saved!
Now we have got rid of the 5 cent as well and everything is rounded to the nearest 10 cents. Meanwhile the shops continue to sell mushrooms at nz9.99 a kilogram, so your purchase may come to nz4.76, which rounds up. Add the other things you're buying ending in 9 cents, and it may go up or down. Personally, I make it a game to get a total which will round down.
This morning I lucked out. I bought fruit and veg for nz9.78, so paid two cents extra. However, if I'd paid by debit card, they would have charged me the exact amount. Go figure.
I went on a retreat over Easter, which I've been doing for several years. Lovely peaceful setting, good meals provided, and all for only nz$100. Definitely not giving that up. i took lunch up with me, but on the way back down we stopped at a very expensive cafe, and I spent $13 on lunch, because I didn't want to say no to the others. Oh well, if it's the only time I eat out this month I'll be doing well.
I briefly considered giving it up and drinking water, then I went and bought more coffee. nz2.50. I'll save on something else. No point having piles of money if I can't have what I like with some of the excess.
I have these periodic savings binges where I stop spending on virtually everything to save money, but that's not sustainable long term. I actually enjoy spending money on something I want, even if Depression-raised family voices keep telling me I should stick it under the mattress, in case I need it more later. I have no intention of being a multimillionaire centenarian full of regrets for how I deprived myself. So I'm planning to go on a retreat at Easter after my Lenten frugality.
Sorry to gripe a bit yesterday. Dealing with officaildom is getting me down a bit. I know I'm really fortunate to live in a country with a system so I don't wind up begging on the street.
Did my end of month sums. I used www.simplesavings.co.nz to enter my daily spending. I had an income of nz$742 and outgoings of $960. That was caused by spending nz$400 on a computer, otherwise within budget.
I tried to make a distinction between needs and wants. Needs was essential bills and groceries, apart from that I chose to spend another $88. But what is a need. In many parts of the world a phone and ISP is a luxury, I don't have to make charitable donations, I could walk instead of catching the bus, refuse to eat out for my friend's birthday etc. But I would become an unlovable skinflint in the process, and very miserable to boot. So long as I keep regularly putting money aside, I can have a few treats now and then. I should have 2 more NSDs before Friday, then I'll have a burger with my friends and still have another nz$10 for my EF.
I din't take any snacks with me and when I got hungry I spent nz1.80 on a piece of ginger crunch. I'm supposed to be watching my weight as well. At least I could have bought an apple.
I know it's not much, but I find it too easy to rationalize little spendy habits by telling myself just this once. It all adds up, and every unnecessary dollar I spend takes me a dollar further away from being financially independent.
I was on morning tea after church this morning. I meant to bake last night, but wound up going out to a free concert. So I was late getting up and decided to make some pikelets (Scotch pancakes) but found I'd run out of milk. So I had to buy 2 packets of cookies and some milk, nz5.99, tho I generally try to avoid shopping on Sunday.
In the afternoon I visited my neighbor to congratulate her on a great performance - she was in the choir at the concert last nite. I wound up helping her bottle pears, then unravelling and reknitting a hat she was making. She was very pleased and gave me a pot of apricot jam.
I still have some veges left, so made pumpkin cakes and cooked some black beans with the remaining celery.
This morning I walked 13 minutes in the rain to my own bank ATM so I wouldn't have to pay another bank withdrawal fee. After that I spent 25 minutes in the supermarket scrutinising all the bargains before buying
6 day old pumpkin seed buns nz1.00
sandwich tuna 1.30
quarter cabbage 1.00
can pineapple 1.10
peanut butter 2.00
I also went to the Asian food store where the legumes are cheaper and bought some black beans for 2.00
I also found .20 cents as a reward for being up bright and early. I was thinking what i could buy with it. I can get a knitting pattern from the Sally Army or maybe some popping corn from the bulk bin. I guess I will put it in the Christmas jar.
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