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Archive for October, 2018: Laceshawl's Personal Finance Blog
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Home > Archive: October, 2018
 

Archive for October, 2018

Day 157

October 31st, 2018 at 08:09 am

Payday - 5th this month $289.15. Yay! I will buy produce tomorrow, apart from that I shouldn't need to buy anything this week.

There is a church picnic planned for Sunday, but the weather forecast doesn't look promising. The backup plan is to go to a cafe, so I may end up buying lunch.

Day 156

October 30th, 2018 at 08:17 am

Out: hummus $2.49, crackers 99 cents

There was an earthquake today, though I didn't feel it. Fortunately there are no reports of damage. So I checked my emergency supplies. I have water, canned goods and a torch, but need a first aid kit and a battery operated radio. I also need to put my essential meds and important documents where I can grab them easily.

Day 155

October 29th, 2018 at 08:15 am

The Scavengers Paradise craft store is closing but I didn't go. I'm planning to use what I have before buying more.

I bought peanut butter $1.99 and flour $1.59, booth on special so I saved 50 cents. My aim is to buy staples only when they are on special. I am running short of baking powder so I bought self rising flour as it was the same price as the plain. Normally it costs more.

Day 154 - 30 weeks to go

October 28th, 2018 at 08:23 am

Our church service was held at the nearby rest home this morning. After we went to the nearby cafe. There were no vegan options so I just had coffee and a couple pieces of fruit, $5.20. I then went to the supermarket and bought 2 packets of cookies for $4.50 which I devoured in 40 minutes. I feel sick from all the sugar and silly for wasting my money.

Left in my cash envelopes:
food $18
medical/dental $$320
change dish $3.50
mta vouchers $30
bus pass $16.19

in my misc jars:
neccessities $50
Financial Freedom $12
education $12
play $2
gifts $1

Day 153 - 7 months to go

October 27th, 2018 at 08:26 am

In: found 50 cents
Out: Marmite $5.50

Today for breakfast I had oatmeal with sultanas and cinnamon; lunch coconut pancakes with lemon juice and sugar; dinner pasta, potatoes, broccoli and chickpeas.

Someone gave me 4 bags of weaving singles. I knew it would take me ages to get round to using them, so I donated them to the annual craft sale.

I am not buying books and today I found in the Lilliput Library a book called Money Success and You by John Kehoe. It turned out to be one of those motivational books that tell you about other rich people. I don't need to be a multimillionaire and I don't want to be famous; I'm just looking for a basic how to on investing.

Day 152

October 26th, 2018 at 09:20 am

At Artsenta today they had free fruit. I took an apple and 2 mandarins. I am making pottery bowls and bead jewelry for Christmas gifts. After I went to the Rotary secondhand book sale and bought 3 books at a dollar each as gifts. (if your friends don't like recieving secondhand books get some new friends) I thought about buying a book a knitting patterns for myself, but there are loads of free patterns on the net.

I recieved a plumber's bill of $29.18 as my share of some work done for all our units. I paid it online right away as I don't like unpaid bills hanging round when I have the money to pay them. I like to know all the money in my account is mine to spend.

I paid $15 for a prescription.

The good news is I do not have bowel cancer and don't need another test for 2 years.

Day 151

October 25th, 2018 at 08:19 am

In: found 10 cents
Out: fruit and veg $6

There was a load of very good yarn in the thrift store this morning. I could have spent $32, but realised it's only 2 months to Christmas and I'm supposed to be setting money aside for it.

I finished the last of the popcorn.

Day 150

October 24th, 2018 at 08:37 am

My bill paying account has built up to the point where I have enough to pay 3 months of power bills. Since it will be lower over the summer I transferred $200 to my FFEF. It's nice to have a buffer for when I go to India, as I'll have no income for the 3 weeks I'm away, but the FFEF is to cover other emergencies as well.

Day 149

October 23rd, 2018 at 08:09 am

I walked to Pak n Save and bought
sultanas $1.79
pasta 75 cents
lentils $2.15

I was too tired to walk back and it was starting to rain, so I caught the bus back $1.92.

For lunch I bought some bread rolls at New World from my Play jar $2.30. Have to wait until tomorrow for a whole $2 to spend on enjoying myself.

Day 148

October 22nd, 2018 at 08:19 am

I was given some rhubarb, but had to buy sugar to cook it. $2.60.

Day 147 - 31 weeks to go

October 21st, 2018 at 08:17 am

Left in my cash envelopes:
food $20
medical $315
mta vouchers $30
bus card $18.11

misc total $102, split up in jars as follows:
necessities $56.10
Financial freedom $10.20
long term savings $10.20
education 410.20
play $2.30
give 10 cents

Trans Siberian fund $110.20

Day 146

October 20th, 2018 at 08:31 am

A quiet day at home; no money in, no money out. I earned about 12 cents interest on my savings account and a dollar on my retirement savings.

Day 145

October 19th, 2018 at 08:11 am

In:
found $2

Out:
doctor $25
brunch with friend $7.90

I realised that if I put all $20 per week of my misc money into the T Harv Eker jars, I can do it with the suggested percentages. It makes sense to try the system the reccommended way when it works for a millionaire, before trying it my own less successful way.

So the reccommended percentages are:
Necessities 55%
Financial Freedom 10%
Long tern Savings for Spending 10%
Education 10%
Play 10%
Give 5%

Day 144

October 18th, 2018 at 08:09 am

And the trip to India is on. Cost $2,800.

Day 143

October 17th, 2018 at 08:19 am

In $289.13

Out:
flour $1.59
pasta 75 cents

I have been reading about the six jars method of handling your money by T Harv Eker. I'm always looking for more efficient ways to handle my money so will give it a try for the next 6 months. But with the system I'm already using, I can only put $5 aweek from my misc $20 into the jaars, plus my loose change.

I dickered with the amount going into the jars. There didn't seem much point in having a Neccesities jar when I'm already budgeting for that outside of the jars, whereas I really want to beef (oops I mean tofu) up my Financial Freedom jar. So my allocation is:
Financial Freedom 50%
Long Term Savings 25% this is going into my Trans Siberian fund
Education 10% I am saving for recorder lessons
Play 10%
Give 5%

At the moment I have a total of $14 in my jars.

Day 142

October 16th, 2018 at 08:17 am

Out:
2 cans chickpeas $2
trashsaks $17

I find I am saving more money using cash. I like having stacks of $20 bills in my envelopes and don't want to spend them.

Day 141

October 15th, 2018 at 08:22 am

I spring cleaned my closet and took 2 bags of clothes I haven't worn in 18 months to the Sallies. I shall have to prevent myself from buying more to fill up the spaces in my closet.

Day 140 - 32 weeks to go

October 14th, 2018 at 08:07 am

Now that it is lighter longer I have started going to early morning meditation again. Afterwards the center gives us breakfast, so I just had marmelade on toast.

In: found 20 cents

Out:
bananas $2.11
bread roll 69 cents
coffee $2

left in my cash envelopes:
food $12
misc $110
medical $320
change dish $4.30
mta vouchers $30
bus card $20.03