Adding up all my various accounts for the end of the month
Bill payer 617
House repairs 406
Bonus Bonds 2440
which comes to a total of $NZ5547. There is something very satisfying about passing the 5000 mark.
I have not totalled all the interest received this month, but as interest rates are quite high in NZ at the moment, I am earning 7.4% on the online emergency savings. This month I got $NZ3.03 after tax.
This month there were 5 paydays, which meant I was able to save $600. So I loosened the purse strings a little and had a chai latte with my friend, $NZ3.50. But I did pass on the decadent chocolate slice.
Archive for May, 2006
Adding up all my various accounts for the end of the month
Well, I'm planning my month on the breadline. My plan is to pay all my usual monthly bills, utilities, ISP etc. I also pay my local body taxes and insurance monthly. It generally comes to around $300 total.
Then I plan to withdraw $40 cash each week from my cheque account, which I will use for groceries and other little incidentals. I'm hoping not to withdraw any other money from any of my accounts. If I can do it it should keep the total below $NZ500 for the month. Then I'll run for Parliament, become Minister of Finance and balance the national budget.
As I'm single and have a small house I can't stock too much bulk food. Besides I have no car so would struggle to get it all home. So what I do is buy one item for the store cupboard each week. I make sure it's something on special that I will really use, like canned tomatoes or teabags. Then, if I'm having a tight week, I make use of my supplies.
Today I made this recipe out of the pantry and frig.
Cook pasta and frozen peas. Make white sauce with half milk and half drained juice from canned pinapple. Add cottage cheese and pineapple to sauce and heat through. Combine.
Last night I found another $1 outside the theatre, and this morning I found 5 cents on the way to church (I dropped it in the plate)
The play last night was about some climbers tramped in a hut, and there were some interesting observations about the kinds of things we think we can't do without. It got me thinking about how much i would be able to cut back if there was a real crunch. So I am going to try it for a month, just spending on the bare essentials. I wonder if I can get it down to $NZ500.
I'll be keeping the Internet connection, as email really is essential for me to keep in touch with my family all over the world. Now I'm thinking toothpaste? Cheese? Plenty of people all over the world manage without all sorts of things. However as it's coming on to winter here I don't intend to do without electricity for heating, and the local council would take a dim view of my walking to the reservoir with a bucket on my head and helping myself to water.
So it will be a basic Western amenities existence, but no frills like dining out, movies, and buying knick knacks.
It's Saturday morning down under. I went round some of the nearby garage sales, but the only thing I bought was a very pretty ring for $2. (Yes I know it's not a necessity, but what's the point of having money if you can't buy something you like now and then) I stopped at the supermarket on the way back and bought
There was a phone booth there that I always check out for reject coins (I know, scrooge) I found 30 cents.
When I got back a friend rang to say she had been given tickets to a play and would I like to go with her? So I'm off to gussie myself up.
Ten dollars! I found me a TEN DOLLAR bill just walking across the supermarket lot. There wasn't anyone in sight, so I put $1 from my wallet into the Blind Foundation collection box and then I bought:
All very good value for money. Then I quickly scuttled to the bank and emptied my wallet into my savings account. $105.15 so far this month.
I now have $2,300 in Bonds. This is equivalent to 3 months sickness benefits. I aim to keep saving until I have a years income saved up.
This morning I walked past a store which was advertising, buy $100 worth of clothes and get a free pair of jeans. In another shop window there was a poster which read "My life changed since I got my Grab jeans." Well, I have had some events that changed my life: death of a parent, birth of a baby, moving to another country, developing a major illness, but I honestly can't say my life has ever been altered by buying clothes, regardless of what I believed as a teenager.
So I walked on to the Red Cross opportunity shop and they were having a $1 a bag sale. I got 3 pairs of trousers, 2 skirts, 2 blouses, 3 jerseys and 1 dress for $2. I don't think I'll need to buy any more outer clothes for a year, only socks shoes and underwear.
This weekend we had our annual 24 hour book sale. Nearly all the books were priced at 50 cents, so I got $10 worth, including a copy of the More with less cookbook. The most expensive book I got was a History of rock'n'roll $7.50 for ds. I also got a copy of Psychocybernetics and a book called Money Secrets of the Rich, which I discovered doesn't actually contain much I don't already know. Plus I got some beautiful knitting patterns for 20 cents each.
A few little bits of income have come my way in the last 2 weeks. I got a tax refund of $43.83. I got reimbursed by my Toastmasters Club $30 for an ad I'd placed in the newspaper months ago and practically forgotten about. I knitted a scarf for a friend and she paid me $10.
I also got the statement for my retirement account, and it grew by $2,700 last year. I'm now looking for a little part time job, so I can begin contributing again. I can earn up to $80 a week without it affecting my benefit.
I went out shopping for the first time in a while today and had a great find in my favorite thrift store. 5 cones of yarn for a $1 each, 4 of Shetland wool and one of laceweight. It will keep me happily occupied for a long time. They also had trousers on sale at 2 for the price of 1. I will need to get some more as I have lost weight.
I have been laid low for the last 10 days, so have been watching more TV than I usually do. There is one ad that bugs the H@#$ out of me. This chef tries to make pumpkin soup for the family, but makes such a mess that he has to buy a can of Campbell's soup. Yeah right, it's so hard to make pumpkin soup that we have to buy expensive convenience foods instead. I was cooking entire dinners and baking bread when I was 12 years old. No wonder people are broke when they lack basic skills and have to buy everything. What do they do with the time they save? Watch more TV? Go shopping? Work harder so they can have enough money to pay for all the conveniences?
Hmmf, reminds me I have a whole pumpkin sitting in the frig. I'm off to make me some soup (and cheese scones - can't buy those in a can)