Home > Archive: September, 2018

Archive for September, 2018

Day 126 - 34 weeks to go

September 30th, 2018 at 08:09 am

left in my cash envelopes:
food $5
misc $105
medical $295
change dish $2.80
mta vouchers $40
bus pass $20.03

Day 125

September 29th, 2018 at 09:29 am

I received notification I have been given a $630 rebate on my property taxes. I will have to pay the full quarterly amount in December, but I will only owe around $300 for the last 6 months of the year.

Day 124

September 28th, 2018 at 09:10 am

I had $405 left in checking so transferred $300 to the EF. Over a third of the way to my goal.

Day 123 - 8 months to go

September 27th, 2018 at 09:39 am

One third of the challenge done. I bought a ring at the thrift store for $6. I didn't need it but it is pretty and I'll get years of wear from it.

I borrowed Jesse Mecham's You Need a Budget book from the library and had a look at the tutorial for the program. It seems a bit daunting, I think it would work well for accounting nerds and spreadsheet geeks. My finances are quite simple so the free EveryDollar and the cash envelopes work well for me. The app doesn't work in this country so no point paying for it.

I did like the idea of aging your money, building up cash reserves so you're not spending this month's paycheck this month. This is actually what I have been doing in my bill paying account. I did a quick calculation and realised I have enough in there to pay the bills for 3 months if the money stopped coming in. So I transferred the excess $181 to the EF, which is is there for disasters like the house burning down.

Day 122

September 26th, 2018 at 09:12 am

Payday. I stocked up on oats, $5.10, and potatoes, $7 for 10kg, as they were on sale. I also paid the Regional Council rates, $141.60.

Day 121

September 25th, 2018 at 09:20 am

I like to make frequent contributions to my goals, even if they are small. If a week goes by without some progress I get twitchy. Today I found a dime to put to my Trans Siberian fund; I now have $87.

Also I was walking back home when I passed a house with a box of food at the gate marked FREE. I took a can each of green peas, pineapple and pasta sauce.

Day 120

September 24th, 2018 at 09:37 am

Winter is having a last little kick so I stayed home and binge watched Dave Ramsey on Youtube. I recommend the debt free screams for anyone who's trying to pay off loans. They made me all tingly and I've been debt free for 15 years. I'm not so impressed by the ones who pay off a huge amount on a big income, but every so often you get a single mom on a low income who's paid off her house.

One thing bugs me, when Dave tells people they should fix their mortgage interest rate, where are you going to find a lender stupid enough to fix for 15 years at these low rates? In this country you can only get 3 years fixed, at a higher rate, and there are heavy penalties for paying it off early.

Day 119 - 35 weeks to go

September 23rd, 2018 at 09:14 am

Now it is getting lighter early in the morning I have started going to meditation again. After they provide us with breakfast. I just had a couple slices of toast with peanut butter.

Left in my cash envelopes:
food $6
misc $106
medical $275
change dish $1.20
mta vouchers $40
bus pass $20.03

Day 118

September 22nd, 2018 at 09:13 am

stayed at home and did the laundry so a no spend day

Day 117

September 21st, 2018 at 09:13 am

I went to Pak n Save to buy a few things, but it took me ages because they have reorganised the layout and gotten rid of some lines. In the end I bought:
bread 4.00
soy milk 3.90
peanut butter 2.19
sultanas 1.79
pasta .70
hummus 2.69

On the way back I paased Toffs which was having a $2 an item sale. I didn't go in to see what they had. As a very successful businessman in our church is fond of saying, it's not a bargain at any price if you don't need it.

Day 116

September 20th, 2018 at 11:01 am

I bought another $6 bag of produce at the All Saints co-op: chard, carrots, a leek, apples oranges and kiwifruit.

Day 115

September 19th, 2018 at 09:10 am

benefit $289.50

bananas $1.54

Day 114

September 18th, 2018 at 09:14 am

found $1

bread roll 70 cents

Day 113

September 17th, 2018 at 09:16 am

I am not very sucessful at the one spend day a week. I find it too tiring to do all my errands and shopping on the same day. Today I bought a top in the Orphans Aid charity shop for $3.50. Since I didn't really need it I put an equal amount in my Trans Siberian money tin. I now have $72.30 in there. All those small amounts add up.

Day 112 - 36 weeks to go

September 16th, 2018 at 09:24 am

oats $5.10
flour $1.60
pasta 70 cents

My travel account had built up more than $5,000 so I transferred $300 to the EF. I now have over $3,000.

left in my cash envelopes:
food 0
misc $93
medical $258
change dish 70 cents
mta vouchers $50
bus pass $21.95

Day 111

September 15th, 2018 at 10:55 am

A fine sunny day, so I line dried the laundry. Then I went for a walk and on the way bought myself a packet of chips. What I gain on the swings I lose on the roundabouts. I shall have to tighten the purse strings to save for Christmas. I am actually thinking I will be buying gifts in India and giving them when I get back.

Day 110

September 14th, 2018 at 09:22 am

I looked at my watch this morning and thought it said 8.45. I hurriedly caught the bus, looked at my watch again, and found I was in town an hour early. I couldn't think of anything better to do than have a coffee in a breakfast cafe. Not only did it cost $3.50, because I haven't drank coffee in ages, it tasted disgusting.

Day 109

September 13th, 2018 at 09:36 am

Today I yielded to my New Zealand middle aged female rite of passage and had my hair cut short. A friend did it for me so it didn't cost me anything.

Day 108

September 12th, 2018 at 09:24 am

So far my $20 challenge has been going well. If things keep going well I can see myself continuing this until my EF reaches the goal. I'm still planning to go to India in December, so will be taking a 4 week break, but the money for it will come from my travel fund.