I went to move my change tin and the bottom fell out. I didn't realise it has a lid, I thought it was sealed like the last one. I didn't want to pay for a new one, so repurposed a 2 liter juice bottle. I wrote the word Britain on it to save for my next trip.
I think being able to see the money in it will be better than the closed container. With the others I was constantly consumed with curiosity about how full it was and wound up opening it before the end of the year (I did put most of the money in the bank). This time my intention is to see how long it takes me to fill it. Atm there is exactly nzd30.00 in it. I also have nzd40.00 in my Christmas Club. I think the year is progressing nicely so far.
Viewing the 'Goals' Category
One of my favorite foods is avocado on toast. I have been eating a lot of it lately but I shall have to stop. I'm putting on weight again.
If I put nzd100.00 a month into my EF, it will take me 4 years to get to $10,000. I want it fully funded earlier than that, so I transferred $200 from my House account. The new stove can wait till next year. I like to see quick results and get frustrated if it takes a long time to reach my goal, as happens when I am saving for several goals at once. Something I learned from Dave Ramsey is the power of focus. One thing at a time. Prioritize and work on the most important thing.
I have to put money aside for a retreat at Easter, and also to pay for yardwork. I want to get my Travel fund back up to nzd5000 in case I am unexpectedly called to visit family overseas, and I want to replace the stove. I waill still be working on my EF but more slowly, maybe $100 a month.
I'm back. India was wonderful, beautiful, maddening and challenging as always. Full of contrasts, ancient temples by modern highways, incredible riches next door to appalling squalor. I'm torn btween weeping over so much suffering, and rejoicing at the resilience of the human spirit. The children in the villages were very happy to see us and they loved the hats.
I had nzd400 left over which I put in my EF; halfway to my goal. For groceries I bought
red peppers 2.81
bread rolls 1.38
New Year's Eve and I have one resolution, which is to not drink caffeine (on my 5th day) and one financial goal, which is to reach nzd10,000 in my EF. But we'll see about plans for 2019 after I get back. India has a wonderful way of putting things into perspective.
Another payday, another nzd289.15, split up in the usual way:
bill paying account 110.00
food 20.00 - spent 11.80
home maintenance account 20.00
seems to working all right. I think I will keep going until I have fully funded the EF. I thibk I can get it up to $10,000 by the end of next year, barring no unforeseen big expenses.
Halfway through my $20 Challenge. Donig pretty well so far I think. In my envelopes I have:
financial freedom 17.40
Trans Siberian 128.50
change dish 9.60
mta vouchers 20.00
bus card 6.59
I also have nzd40.00 on my New World Christmas Club card. I dithered over whether I should use this money extra to my 20.00 a week food budget, but I will have to save up for next year out of the twenty so it evens out. I will also use my Trans Siberian money for othe holiday spending as I squirreled it out of my various twentysies a weeksies. I will start saving for Russia again in my travel account after I get back from India and have fully funded my Ef - which hopefully will be done in the next 12 months. Focused intensity, that's the ticket.
The Pet Rescue charity shop had wool for sale at $1 a ball. I restrained myself and only bought 6 balls.
With putting in little bits of money here and there, I now have $103.40 in my Trans Siberian fund. I keep thinking I should put it toward my EF, but I also want to save to reward myself for meeting my goals.
Payday. Today is the last payment of the electricity supplement, so a total of $286.69. I am capping my house maintenace account at $2,800 and my travel fund at $5,000, so was able to transfer $100 from each account to my EF.
I had $405 left in checking so transferred $300 to the EF. Over a third of the way to my goal.
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.
I have calculated that I am currently spending a total of $210 a week. Multiply by 13 and that is $2,730. So I already have 3 months of stringent living expenses in my EF. I want it up to $10,000 to cover any major house repair expenses or having to fly overseas to sick family members.
I decided to cap my House maintenance fund at $2,800 so was able to transfer $100 to my EF.
Bought a loaf of bread $1.
Today was my day to volunteer at the thrift store. They had some nice bags so I bought a black and white striped one for $2 as my old black one is pretty worn. I also put $1 from my misc envelope into my Trans Siberian money tin. Now I have $12.70. It's such a tiny amount to be saving compared to what I need, but I want to get started now rather than wait until all my other goals are met.
Payday. One seventh through my year challenge. Also DS's birthday. I offered to take him out to lunch but he spent most of the day snoozng. Hard to believe 35 years ago I pushed out a 9 pound pumpkin. The memory of the pain fades; the joy remains.
My goal for this week is to have 7 NSDs. That's right, a complete no spend week. I passed a couple of op shops today: one was advertising a dollar of everything, the other offered 2 tops for $2. I didn't go in. I already have 65 tops - ok, some of them don't fit but I'll lose weight I promise.
I still have lots of oats, rice, canned beans, cabbage and potatoes. Looks like I'll be eating the same thing everyday but that's ok.