This month's frugality has worked out well - I had a surplus of nz$500. I put $100 in the house maintenance account and $400 in the EF - and spent $2 on a packet of cookies to celebrate.
Archive for February, 2010
feels like this week has rushed by. On Wednesday we all got such a surprised when the shop manager announced she was quitting next week to go to University. She has been getting a lot of grief from head office so I'm not really surprised she's leaving, but I don't know that rushing into a big student loan is the best long run decision for a single mom with three kids. But perhaps she'll get a high paying job and it will all work out. She's a nice person, just stressed out from all the hassles, and I wish her all the best.
Now, I have been asked to consider whether I want to take over the manager's job. In many ways it is a nice job and offers the right hours, but having seen how the company can treat its staff, plus the pay offered is pretty low, I'm looking to move on myself.
It's a great thing to have money saved up. It means I can take my time looking for the right position and not have to rush into something regrettable because I need the money.
All the students are coming back into town and the businesses are lined up to offer them freebies. As I was coming back home across the campus a young chap offered me a free bottle of ginger beer. So now I'm going to put my feet up and relax with a drink.
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.
I have been talking to my dr and as I handled the extra hours over New Year well, he agrees I can start looking for 30 hours a week again. This is officially a full time job, so I am now transferred from the sickness benefit to the unemployment benefit. No change in financial circumstances as the amount paid is the same, but to say I'm unemployed implies a temporary situation whereas when I'm sick I get very depressed thinking I'm going to stuck like this. Anyway, I met with a work broker today to discuss a work plan, It won't be easy with so many still out of work, but I have an advantage in that I am already doing 2 pt jobs. I think I will look for retail work instead of going back to office work as I really enjoy working in the wool shop.
I have over nz$1,000 in my bill paying account. I like to keep the balance at around $500 so I always have at least one month's buffer. I estimate this month's bills will come to $320. Can't wait for them to be paid and the end of the month to come so I can transfer the surplus to my EF. How weird is that - impatiently waiting for bills to arrive.
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.
Here's an idea I read about ages ago. Since this is the shortest month make it one where you spend as little as possible. We're talking basics here; only groceries, utiliities, transport and health care. Keep the eating out and movie going till later in the year after you have saved up a comfortable cushion. I reckon I should be able to save 50% of my income this Feb. This is where the scrooge genes I inherited from grandma come into play.
I earned $300 more than I spent last month, so went to transfer the savings into my EF. I realised I has earned nz$5.47 in interest on that account. Yay.
It's nowhere Financial Independence yet, but I get the feeling my money is working for me rather than just me working for money.