I am down to 172 lb. a total of 10 lb lost. 22 to go.
Today I kept wanting to spend money so I could put some in my change jar. That's silly. I will bank what is left in my wallet next Wed. If I keep having lots left over I will reduce the amount I withdraw weekly, and transfer the surplus from checking to savings.
Anyway, I didn't spend any, but I did find .10 cents so was able to put something in my jar.
I am having such fun with the 52 week saving challenge and seeing the money mount up in my Ef, that I am starting another one. This time I will be saving cash, starting with $1, to spend on my trip to India. As I will be going in December, I won't be doing the full 52 weeks, but i should get over $1000.
I had some cauliflower that had a few brown spots and some milk that was getting old, so I made a curry cream sauce, added a can of creamed corn and some peanut butter with the cooked cauli. Tasted good, I shall make it again.
3 more days to the end of the month, and I have paid all my bills, stocked my pantry and fridge, and have money on my bus card. Shouldn't need to spend any more money for a week.
Another $8.40 into the House a/c. Total is now $3,338.70. Hoping to get up to $5,000 by the end of the year.
The Sally Army thrift store just down the road is having a half price sale. I saw some nice stuff but all I could think was where the heck do i put it? So I didn't buy anything. Spending money when you don't really need something is not saving, no matter how cheap the item.
Today was a good day for hanging out laundry, so I did two loads and saved on dryer costs.
The lawyer sent me a check for $5,998 left over from the sale of my old house, so I paid it into my EF. Soon be at $10,000!
...costs money. I renewed a prescription today. $25 for the dr's scrawl on a piece of paper and $15 at the pharmacy.
My new house is much closer to the shopping center. I am only 2 minutes from the supermarket, and there are various restaurants. i find I keep dashing over for food, a bottle of milk in the morning and then back in the afternoon for veges for dinner. This is not a good idea, the more I am in the more I am tempted to pick up bits at the deli, etc. Remember the saving rule is also the waistline rule; stay away from temptation.
All the moving is completed and the boxes slowly being unpacked. Owing to a glitch by the phone company I was without phone or internet for several days, but now all is well. I have paid all bills relating to the house and move and was left with $1000 which I have transferred to my FFEF. The lawyer tells me there will be about $6000 left over from the sale of my old house, so it should be up to $10,000 soon.
The supermarket down the road from me quite often sells its less than perfect produce at reduced prices. Today I bought a bag of precut stir fry veges for $2. I would never pay full price for that, but it's a good way for me to get a variety of veges, since if I bought all the carrots, broccoli, cauli, onions, mushrooms and zucchini there is a chance they would spoil before I used it all.
Also today I found .10 cents.
I had $15.30 in my change jar. I was going to save all year to see how much it added up to, but i don't feel comfortable keeping lots of money round the house. Someone my steal it, or I may steal it from myself. Besides, I want even the tiniest little bit of interest earned on my money. So i banked it in my House account, which is the one I use for repairs and renovations, replacing appliances and all the sort of thing. I currently have $2,298 in it.
This morning I put $5 into my Christmas Club. Never too early to start preparing for the holidays.
The Minister of Revenues has just said that with gas costs going down, people will spend their money saved on other things.
Not me, I'm going to save it. Apart from the fact it earns income, which buying stuff doesn't, our consumer based economy is bad for the environment. There is terrible pollution in China.
today I spent 0, and found .20 cents to put in my change jar. I now have $12.30 in there.
I went to the Post Office today to get a change of address form. Alas! user pays now rules and I had to pay $NZ25 to get my mail redirected. Grr.
Yahoo! I am down to 177 lb. 27 to go.
In: found .10 cents
Out: fruit $4.80
I ran out of tea today and didn't feel like going to the shop just to get teabags. Besides, I didn't want to spend the money, so I'm giving up tea. Should save me some money and lead to whiter teeth.
Years ago when i was a struggling single parent I used to get paid on a Wed and would immediately make a cash withdrawal for groceries, gas etc. One day there was a bank glitch and my pay didn't go thru for 24 hours. We made it on baked beans and potatoes, but i decided thereafter I would always wait a while before pulling my money out. I started making a withdrawal every 8 days instead of weekly, so consecutive weeks were Thurs, Fri and so on back round to Wed with a week's cash in reserve. After a few months I got ahead of myself, with a buffer in the checking account that I kept in case i overspent in one budget category, I wouldn't have to borrow from another. It also came in handy at Christmas.
I think I will start doing this again.
I am resurrecting this because I have been eating too much, I need to get down to 150 lb. Currently i am 179. I am giving up lollies, cake and cookies, all forms of dessert except fruit, snacks between meals, cheese (pizza!!), fried chicken, peanut butter and juice. I should save some money by not buying these things.
1. save $5000 in my EF. (already have 2,449)
2. increase savings into Kiwisaver by $10 a week.
modest I know but my income is only $210 per week atm. Hoping my health will improve so i can take on pt work.
I am dealing with the insurance company abou the new place. House - no problem, but when it came to contents I realized I have got rid of so much stuff I am now overinsured. Most of my clothes and furniture is second hand, so the company would not give me much for it, and there is quite a bit I would not bother to replace anyway. Not yet a minimalist with only 100 things, but definitely simplifying my life by reducing my possessions.
So I'm working out a list of things I would replace in the event of a disaster and the cost of doing so, buying quite a bit at thrift stores and will insure for that. My plan is to eventually save up that amount in a special fund and self insure.
I think insurance companies play on the fear factor a lot of the time to get us to take out big policies. Yes catatrophes happen, but not that often, or they wouldn't be making a profit. I want to insure myself against reasonable risk, but not get paranoid about losing my possessions.
The only money that went out today was my church offering. I am adopting the Dave Ramsey mantra "Live like no one else, so later you can live like no one else"
I went to the library in town today, leaving my cash and debit card at home. I expected to be regretting it when the impulse to spend struck, but i just breezed past all the shops without a thought of buying. I think because i had made a determination I wasn't going to spend.
The sales start today, so I avoided going into town as I knew I would be tempted to buy some bargains I don't need. Instead I went for a walk in the park. Unfortunately I came home by the supermarket and wound up buying 2 of my favorite Turkish bread rolls, even tho i have a fridge full of food at home. This makes me realise how much i have got into the habit of spending small amounts on impulse. I need to get back to budgeting and tracking expenses - and leaving my cash and debit card behind when I don't intend to spend.
whatever you celebrate. I found 20 cents on my way back from church this morning. Wishing you all lots of pennies in your stockings.
I'd heard about this but hadn't gotten to doing it. Today I got given some Christmas money so I'm doing it in reverse. Just made my first $52 payment into my EF, which got sadly depleted this year, but still had some money in it, so now I have $2,449. I also have almost $5,000 in my Travel account which will pay for India, and I'm putting some aside for renovations at the new house eventually, only $10 a week at the moment, so will add the loose change to that account, which is also just over $2,000.
plus I found .20 cents to go into my change jar. I was at the yarn store where I used to work today and the manager showed me what's going to be in the January sales. Possum/merino/silk laceweight for only $4 a skein. Me want. But I have over 40,000 yards of wool that I wanted at sometime, and i'm going to knit it all up before I buy any more. So I made a $10 deposit into my travel account instead and made a mental note not to go to the yarn store next month.
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