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Day 25

June 21st, 2018 at 01:58 am

I had trouble sleeping last night so got up at 1 am and baked an applesauce cake from this recipe https://cookingonabootstrap.com/2016/01/29/applesauce-bread-.... I like Jack Monroe as she was once a single mom struggling on a tiny budget and aims her recipes at poor people. Most of them are vegan too.


Gardens New World had a one day sale today. I had a good look for bargains but only wound up buying peanut butter at $1.99 (saved 30 cents) and strawberry jam at $2.29 (saved 20 cents).


I increased the weekly amount going into my bill paying a/c by $10 to cover winter power bills. The latest one I received is for $100.35. Pretty good, but the real frosts are still ahead of us.

And I transferred $300 from my checking account to my FFEF. I should be able to save over $200 a month.

Day 24

June 20th, 2018 at 01:33 am

Payday. Today I went to Veggie Boys and bought 10 kilos of brushed potatoes for $8. Getting it home was a bit troublesome. It kept overbalancing my wheelie basket as I trundled along but I managed it. Saved $6 over buying the washed potatoes in the closest supermarket.
Potatoes have a bad reputation among the low carbers but they're actually quite nutritious. This Aussie guy https://spudfit.com/ lived for a year on nothing but spuds and was quite healthy. Good to know if I'm really struggling. He lost weight too, despite potatoes rep as fattening.

Day 23

June 19th, 2018 at 01:10 am

I walked past Knitworld today and saw they are having a winter sale. Proud to report I did not go in "just to see what they have". Could it be I am finally overcoming my CYHD (Compulsive Yarn Hoarding Disorder)?
There are still plenty of apples at Artsenta so I took 4 more. Someone had also brought chilli peppers from their garden so I took 3 of those as well.

I took $2.00 a Day back to the library. It was too depressing reading about such destitution in the richest nation on earth.

What do you deserve?

June 18th, 2018 at 10:26 pm

I was browsing a website and a little ad popped up saying "every Kiwi deserves a reliable garage door." Well I'd agree a reliable garage door is a good thing to have, but "deserve" one? How 'bout we work on some other things first, like people in poor countries deserving clean drinking water and every child deserving a safe, loving home.

Day 22

June 18th, 2018 at 12:12 am

Onto the fourth week of my $20 a week challenge - 49 weeks to go. I blogged the first 19 days at https://veganonabenefit.simplesite.com/ before running into difficulties and then remembering I already have this blog.
Today I bought cinnamon and ground coriander at the Indian Mart for $4. And from my misc I bought a book at the thrift store for 50 cents. It is called Financially Free: think rich to be rich by Anne Hartley.
For breakfast I had toasted homemade fruitbread with peanut butter; for lunch I made oaty pancakes; and for dinner I cooked up a big barley and split pea stew with the rest of the chard. Enough to last the next 2 days.

Hello Everybody

June 17th, 2018 at 05:38 am

Tena koutou katoa. I hadn't realised how much time has passed since I last blogged. Some changes: I am now on disability and my 60th birthday is coming up, so it doesn't look as if I'll ever work again. It depresses me, but at least I am getting more money now: $269.15 a week. Ds is currently living with me and gives me some money for his share of the power and internet. So things are manageable, but I still Iike to save money tho reallistically I'm not going to get to FI. In fact I'm looking forward to turning 65 when I will get more money from the govt!
With one thing and another my FFEF has taken a hammering and is now down to $1382.86. I want to work on getting it up to $10,000. And both the kitchen and bathroom need work so have to save more into the House a/c, currently at $2,345. I do have $5,000 in the Travel a/c and was hoping to make another trip to India this year, but we shall see.
To facilitate my savings efforts I have set myself the challenge of spending just $20 a week on food and $20 a week on misc spending for a year. I don't know if it's possible to get that low, but I'm giving it my best shot. Today is my third completed week on this challenge and at the moment I have in my envelopes:
food $11
misc $33
change dish $3.50
I also have $6.53 on my bus card and I started with a fairly full pantry so have plenty of food left. I also hope the lesser amount spent on food will result in weight loss. I've become vegan since last writing so that should help.

Not my day

April 29th, 2015 at 11:52 pm

I burned the rice and despite much work with the baking soda the pot looks past salvaging. Also I tried my hand at sourdough breadmaking but it turnd out damp inside and not much risen. Si I gave in and bought more yeast.

What's the time, Mister Wolf?

April 23rd, 2015 at 09:21 pm

Yesterday I dropped my watch and it stopped working. As it originally cost me $20 from K Mart 5 years ago, I didn't cry over it. Today I bought another one.

Happy joy times

April 17th, 2015 at 06:21 pm

DS emailed out of the blue to say he will be coming back to NZ next month, after 9 years of living in Britain. I have to get a bed for the spare bedroom so he will have somewhere to sleep.

Exercise

April 16th, 2015 at 10:11 pm

Thanks to walking my legs are in fairly good shape, but the upper half is very weak. I am determined to change that, so I have paid nz$16 for a pair of 2kg dumbells and am working out to a beginners routine with Bob Harper on You Tube. What? me pay for a gym? Well, maybe I will eventually - we shall see how I stick to it.

Insurance

April 7th, 2015 at 11:39 pm

Today I increased the excess on my house to $5,000 and lowered my premiums by $300 per annum. I can afford to pay for small repairs, i'm only insuring against catastrophic loss. I have only made one claim in the last 30 years.

A dime at a time

March 31st, 2015 at 10:08 pm

I happened to be at the other end of town today and while I was there I looked in their local supermarket. Prices are around .10 cents per item lower than mine, but i didn't want to carry a whole load of stuff home on the bus. I did buy 2 kilos of salt for $1.90 and put the saved dime in my change jar.

Unglued

March 21st, 2015 at 11:12 pm

I walked past my local Member of Parliament's office this morning, down by the campus. Outside was a gold coin lying on the ground, but it turned out to have been glued by some student. I laughed and went on my way, but coming back, I saw it was gone. Someone more determined than me had prised it up.

Fast payer

March 13th, 2015 at 04:29 pm

i got my plumber's bill for $106.44 and went online to pay it right away. I've never been the type to save up all my bills and have one marathon paying session once a month. I pay my bills as soon as I get them so I don't have to keep remembering the due date, and also so I know that the money left in my check account is all mine to spend.

Multiple sources of income

March 10th, 2015 at 07:44 pm

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.

Clutching my money tight

March 10th, 2015 at 01:40 pm

I have spent only $5 on a prescription in the last 4 days. I finally got it thru my head that if I want to save money I should not go into stores "just to see what's on sale". However I am starting a course tonight, learning the Maori language, so may have to spend on paper, pens and a plate of food.

I put $7 into my 52 Week Money Saving Challenge for a total of $28. I dodn't feel comfortable having cash around the house so, so will invest it in Bonus Bonds.

Alas for plastic

February 28th, 2015 at 07:34 pm

I was charged $7.70 on my checking a/c for Feb. It's all my fault for using my debit card for minor purchases. New Zealand was the first country where debit cards and ATMs were introduced, and we were encouraged by the banks to use them because it was free, whereas the fees for checks and over-the-counter transactions went up. Once we were all happily using them, a .30 cent per use fee was slapped on. I try to make one cash withdrawal for the week and make all my small purchases in cash, but last month I slipped up.

Some people still get free usage of debit cards, esp students and retirees. It bemuses me when I see them paying for a cup of coffee with the plastic. One time I was bemoaning my high bank fees. Quoth my dad, "I don;t have fees because I'm retired." Quoth DS, "I don't have them because I'm a student." No wonder my fees were so high - I was paying for both of them!

The price of rice

February 26th, 2015 at 09:17 pm

The cheapest rice I have found sells at $5.99 for 5 kg. White rice. I buy brown rice at $1.69 for 1 kg, but the price has just increased by .30 cents. The 5 kg bags of brown work out more expensive, besides brown rice doesn't keep as long as white. Strict budgeting suggests i should buy the cheapest white, but brown is more nutritious and my health is more important than saving money. So I will carry on buying the same brand until i find a better bargain.

Fruit and veges

February 25th, 2015 at 04:34 pm

Someone told me today about a fruit & vege coop that runs out of one of our nearby churches. Apparently it is only $3 a week for a single person. I must look into it. I'm curious to know how much you get for that amount of money.

Relaxed

February 24th, 2015 at 11:36 am

One of the quotes at the top of the page - by Tom Robbins, I think - read, "There's a Buddhistic calm that comes from having... money in the bank."

It's true, I'm happy and not worrying now I have ten grand in my emergency fund. Of course the money won't prevent stuff happening, but knowing I've taken practical steps to deal with Murphy helps me feel relaxed and capable of dealing with whatever comes along.

No spend day

February 23rd, 2015 at 09:31 pm

My first no spend this week, plus I found .60 cents.

Diamonds or cash

February 22nd, 2015 at 06:47 pm

Neil Diamond is coming to perform at our stadium soon. I had a great time at his concert back in 1974 (OMG! over 40 years ago!) but I'm afraid if I go to this one he may be over the hill and spoil my happy memories. So I'm putting the $100 aside to pay for a visit to the optician.

New shoes and a book

February 20th, 2015 at 09:51 pm

I am in the third month of my spending fast, and today was the first time I have bought anything but food. My sneakers were worn out, so I bought a new pair at 50% off. I also went to the library book sale, where i got a book of knitting patterns. That was a want rather than a need, but i've wanted this particular book for a long time, and thanks to a small tear on one page, which doesn't hinder reading the instructions, it was mine for $2.

Ten Grand

February 17th, 2015 at 11:59 am

Yay! my FFEF is completed, I have $10,000.89 in an online savings a/c, earning 3.15%, just for emergencies.

Money everywhere

February 13th, 2015 at 10:08 pm

I walked to the library today, and on the way I found $3 in coins by a parking meter (hope no one was trying to raid it). On the way back I found another dollar. Also in the afternoon I visited my former neighbor, and she gave me a lettuce and some chard from her garden.

Focused intensity

February 11th, 2015 at 06:56 pm

I found .20 cents today. Where to put it?

I have several things I am saving for. I am building up my EF. I have automatic payments going into my Travel a/c and House repairs/renovations a/c, as well as Retirement. I want to let a surplus build up in my bill paying a/c, and I am doing the 52 week challenge to save up cash. Anytime I get a bit of extra money I randomly throw it into one place or another. The problem is my efforts are scattered, so it takes me longer to see progress in one place. I have been focusing my efforts lately on the EF, and it is almost done. I think I need to concentrate on one goal at a time, then I will see faster progress. I will leave the automatic payments as they are, get the EF completed, then concentrate on building up cash. Just think, a jar filled with notes and coins!

Gremlin

February 9th, 2015 at 07:50 pm

When you make a determination to save, the money gremlins will throw more expenses at you, to see if you're committed. I went to pick up a prescription this morning, and learned it will now cost an extra $5 a week. Hmm, not too many areas left where i can tighten my belt ... I'll figure out something. Just have to focus on needs, not wants.

Anyway, I put another $10 in the Christmas Club. Now have $36.25

And that's the tooth

February 8th, 2015 at 10:37 pm

Had to go to the dentist for a checkup today. Bye bye $136. But now i'm all set to keep my fangs in my head for another 6 months, and thoroughly resolved to avoid sugar.

How much?

February 7th, 2015 at 06:58 pm

When I find money I generally just toss it in my change jar, which i bank when it gets to 6 or 7 dollars.(the bank doesn't mind me depositing that much in loose change). I don't know how much I've found over the years, tho I have found a $20 note on more than one occasion. i'm going to save it in a separate box to see how much it comes too. Starting with the .20 cents I found in the last 3 days.

More please

February 6th, 2015 at 06:17 pm

Another no spend day, plus I found .10 cents. Need more days like this.


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