Time flies when you don't know what you're doing...

Do I sound flustered?

I think I am starting to panic - but almost for the sake of panicking! Not because things are moving along ~ they are and as we still have two working weeks before we head off, all should be done by the end of next weekend.

This is the goal ~ allowing Monday for mopping and dusting, Tuesday to do those last touch-ups and wipe outs (including the oven) and for the fridge, freezer, washing machine and mattresses to be collected by their new owners, Wednesday for carpet steam cleaning, Wednesday night for going out to dinner, Thursday for everything that is left to be done and Friday for leaving.

And that's next week...

This week is all about packing the garage and locking it for storage, getting the suspension, bushes and front end of the car repaired (don't ask - stress), insurances and tenants (when you think you've got that under control be prepared for the last minute *slap* of let-downs)

Our big rubbish skip will be picked up tomorrow some time ~ its had everything from doors to flooring thrown in. Every broken toy accumulated over the past 10-15years is gone, all the baby gear is gone, heck even kids books are off to new homes.

Today was one of those amazing days you can't really believe. Oh my ~ those selling vibes worked a treat. I had a little mantra going last night, and today - and I've just sold the fridge/freezer, the second fridge/freezer, the little upright freezer, the washing machine, the good queen mattress, the 'ok' queen mattress and reaped the $600 needed for petrol! 

Holy guacamole!! Only the TV, the Nintendo (and games) and lounge to go! Tho' I think I'll give the lounge to the Salvos. Gave away the double mattress as well - its in top condition but better used by someone who needs it than paying $25 to the tip for destruction!

Heck I feel relieved.

Of course we've had our solar panel contract cancelled/withdrawn ~ and they are now advising they have the right to sue us for the whole amount. So please put those vibes that the 'panel' will not only agree our cancellation is extenuating circumstances, not a purposeful breach and (and this is the BIG and) they will refund our deposit.

Had a brickie come and fix up about 30 bricks which had spalling due to being second hand and from a chimney - not an uncommon outcome with second=hand bricks. He and his apprentice ground out the bricks, replaced them and cleaned up the job. 3 hours outside in icy Ballarat and he wanted $60. Gave him $75 to get a few beers. It was a terrific job and so worth more than $60.

Car is the only 'blow out' - but safety first so there wont be any more blow outs there . . . will there!?!!!

Oi vie - it has been a weird 48 hours...

My body is screaming, there is so much to be finished, but wow things are finally happening with 11 days to go.  Actually it's one of the first times in a long time I feel the restrictions of the back operation and the physical limitations. I hurt and ache like the blazes. It's one time I feel 'disabled' ~ I can't go what I would like to do and what I would feel like I could do. My arms, neck and back have been pushed a bit too far.

Packing the van (finally!) - that is a real step in the right direction.

Rambling now - so tired after a mighty effort this long weekend.

Aluminium Beanies and Credit Card Covers

Have you discovered Pay-Wave and Fast-Pay?

And have you thought that waiting an additional 30 seconds to pay cash or sign an approval slip might just be better than waving your 'drastic fantastic plastic' past a machine which deducts money without confirmation or receipts required??

As of the weekend - all transactions using Visa, Mastercard and America Express under $35 no longer need you to sign or enter a pin. Some businesses have this operating to accept purchases up to $100. Apparently this makes for quicker service, but I am not sure I like this new policy. Seriously, how long does entering a pin or adding a signature take. Does it mean if you lost your Pay-Wave enabled credit card, it would be so easy for the finder to rack up lots of purchases less than $35 before you had even realised it had gone.

Coles do it, KMart does it ~ even McDonalds do it. I think what annoys me most is the shifting of responsibilty. I pay fees (sometimes) and interest to have a credit card and now it is my responsibility to ensure it is in my possession at all times and that nobody can swipe it to charge a zillion $34.95 purchaser. What happened to businesses ensuring it is me using my card (PIN or signature).

Fair enough if an individual was to choose to participate (which is what I thought the other pay pass thingo was all about - the one for under $100 purchases) but for Coles to have made a unilateral decision that staff are not going to ask me if I wanted to use a pin for a purchase anymore ~ well I am a little annoyed about this 'advancement'! 

National Australia Bank (NAB), do not allow its customers to opt out of having payWave-enabled Visa cards. Apparently it is the same for Mastercard's contact-less payment systems.  Customers who are unhappy with the way payWave permits transactions without the requirement for either PIN or signature have been advised to refrain from having a Visa card attached to their account. And that works how?

Personally, even the advertisement on television showing the frustration caused by a person inconveniencing others by paying cash instead of just flashing the card past the machine to pay for lunch seems to be more a human intervention into a robotic environment. I don't like it and don't wish to participate. Why is life becoming more frantic, fast and fan-dangled. Not all advancements seem to allow us time to relax.

Be it right or wrong, I have scratched through my chip so I can only swipe my card to use it through eftpos systems and will need to sign on all occasions. As I have not opted into the PIN aspect of my credit card this does not phase me.

I apologise in advance for the poor sods who will be standing behind me at the checkout for an additional minute or so while the check out operator must print out a receipt for me to then sign. I promise to have a working black ink pen with me at all times to speed up the process by a few seconds. 

At least I know I wont be required to purchase a new credit card holder to ensure my card won't be swiped when these new NFC (Near Field Communication) enabled iphones hit the market. That will mean you can read your RFID card code into your phone, and the new wave of electronic pickpocketers won't be able to get my credit card information.

Now to get Husband on board and scratching his chip...

Moving Madness

Well ~ just had our first 'blow out'. As the car has done around 300,000kms we decided getting new suspension as we will be towing a campervan for a good 3000km. $2600 and it has totally wiped us out. We are so travelling on the smell of an oily rag - and we need it to be petrol!

It's been a real achievement to ensure our shopping has remained under $25 each week for the past six weeks. We have all the amenities bill up to date or in credit - so we can at least get some dollars back when we get into QLD. 

Still need to organise car and van insurance ~ get the landlord insurance activated ~ transfer the VOIP phone and internet transferred and cancel all the power, phone and other such standards. Oh boy its going to be a full on last week!  Thankfully we have two to go :D

Chat soon friends ~ hopefully I'll be able to be back in the next day or so.

24 More Sleeps ~

 

And I do apologise for the intermittent posts...

It takes a lot to hold a garage sale but I am pleased to say THE Garage Sale Of The Century has reaped $470. There's our petrol money!! Feeling quite euphoric about taking all the coins to the bank and cashing them in for notes. People are still coming past and buying the more 'expensive' items like the washing machine, the lounge, the beds, fridges...

We are now in the packing down stages of the move ~ and it seems to be going remarkably smooth at this time. The garage sale has been the point of 'end' - from here we are going through the stuff and prioritising. 

By Thursday we will have the linen, laundry and bathroom packed - only 'required' items will be left for use over the next few weeks. By Wednesday, SmallBoy has to have only 5 toys in his room and, because Wednesday is a student free day, he and I will pack for storage, pack for taking and pack for the Salvos or trash.

By Friday we will identify all the repairs required and my Dad is coming up with his tradies truck and will help with plastering, painting, doors and the roof.

The weekend will see another of SmallBoy's mates over to play while Husband & I will focus on the spare room declutter. Dreading the office - that will be next week - with the lounge, dining and alcove area being clears as per 'required items only'

How expensive?

For the past two weeks the ONLY shopping has been milk, cat food, toilet paper, drinking water, petrol, bills - most paid out or in credit, too weird! Taking everything from the pantry & freezer - because the mini freezer is going to be sold, one of the fridges too. We'll only keep one in storage. And the shopping has been either as a mystery shop or using a voucher redeemed from surveys. Fingers crossed the two $100 vouchers arrive before we leave because that's petrol or setting up the pantry money!

Already we have planned our route to QLD to match up a few mystery shops at supermarkets so it covers our expenses on the road and allows us to have lunches and snacks covered in the budget. I feel better than frugal and will blog our successes.

Getting through the contents of the pantry & freezer - an oxtail casserole for dinner tonight - a $5 meal from the freezer because everything was bought on mark-down and frozen. Eating down the contents of the cupboards is requiring some creativity now - have no idea what to do with some of the tinned fruits. Trying a 'kind of' pudding with cherries - should be interesting...

Hubby was gob-smacked the other day seeing three lamb shanks on 'sale' for $15 - thats $5 each! We pay $1 for ours from the Halal butcher, but we've heard the prices have doubled of late. Still $2 vs $5 is still a big difference when you want 4 shanks for each meal.

Have a great evening ~ we are going to rest well tonight ~ hope you do too :D

Panic ~ 32 days

It is a panic...

In 32 days we leave cold, wet, icy Ballarat, Victoria for sunny North Bundaberg, Queensland. As Geoff (from Late Night with Craig Ferguson) would say - "oh my" "In Your Face"...

And I am on the brink of a break down! How on earth do we cull and entire house down to be a pop up caravan and rear end of the station wagon! Of course Husband (probably sensibly) wants to go through every box, drawer and make sure there are not items we should keep ~ while I just want to chuck everything and anything out. Be gone - move on.

We are going to run out of time is my big fear. Of running out of money to get petrol along the way. Mind you ~ I have prudently got a few vouchers from surveys these past few weeks and now have a tidy $250 in 'universal' (excluding Woolworths) vouchers which can get food, petrol and we'll leave one with MIL for the cats keep for a month.

Still each day sees the bin fill a little more, the garage empty further, the rooms trim down to be a little less cluttered. This weekend is THE garage sale ~ aside from a few major items, most of the things for sale will be $1-$2. If even half the stuff sells - we should get a few hundred dollars. We will be needing it because we are on the wire with all of this moving, culling and simplifying.

Once we get to the end of the garage sale it will be a heck of a lot easier. Because then things can just go straight into the dump bin. Would anyone be interested in a big box of perfectly clean, white cloth nappies? Seriously I have some beautiful kids stuff - kept in anticipation of the additional kids we tried to have. Sadly, too many just didn't stick any longer than a few months so we have our two to love and have had to leave it there.

Now it is time to move into the future and its a very exciting one. 

I could not wish or want for more...

About the debt

For all the chaos, we are down to a few big debts remaining. There is the personal loan, the credit card, the line of credit and the mortgage. We have paid the gas, the electricity, the school fees, the insurance, the fridge, the dental bill, homecare, the rates, our magazine subscriptions, phone bills - any thing which is not up to date with payments is now cancelled, paid in full. Woo Hoo!!

Sadly - the line of credit is at $19000, the credit card is almost $5000 and the loan is $3500. But the BIG picture of having a debt of $37000 back in September/October, this is now $27500 ~ almost $10000 less than it was 8-9 months ago. On a combined income of less than $30000. 

The mortgage is up to date ~ with a payment waiting. Mind you ~ the savings we had stashed for the solar panels have been used for the car's engine and repairs to get registered and back on the road, plus the pop top van and its registration. We've still got about $1000 left however its going to be for getting the house ready for tenants. 

Already the big expense will be cutting back the giant soap gum tree at the front door and the silver gum at the fence line. The beautiful big soap gum which has featured so many time in pictures is dying. It appears the roots have been cut over on the neighbours' property some time last year (we won't go there - it happens) and ants have started to create a huge nest in the trunk, weakening it to the point it will be dangerous in the coming year. 

The silver gum has been cut back so many times on one side by the power company, it is now unbalanced. If they could simply trim on both sides it would not be so lop-sided. Oh well ~ that's what you get with the bureaucracy of 'safety'.

Time to go ~ let's see who the focus of packing continues...

Moving State on a Non-Existent Budget

 

Could be seen to be quite a silly notion by some...

I am very grateful to not have had the misfortune to not have had the pleasure of discussing our plans with the nay-sayers *grins* All our family, friends and dear loved ones certainly are on our side ~ understanding the why, why now, why not's we know this move will do for us ~ and our dear loved ones know they are going to be mightily missed physically only until the next time we or they visit.

SmallBoy has shown enormous acceptance, resilience and excitement about the adventure in the actualities of a move north ~ even the cull is something he sees as being an opportunity of a simple, clean start supported by strength of family and those very good, loving friends he has cheering him on. Most of the younger cheers come seeking either a place to stay in the warmth, near the sea, to play for a week or so in the holidays, or with that little tinge of 'wish we could do what you're doing'

MudGuts is still processing the information ~ more the fact we won't be around the corner to be ignored any more. We'll be further away and not around the corner should the need of help, care or comfort zone security blanket value be required. He is almost 21 ~ he doesn't realise we have a car waiting for him to be licensed and if he could have this by his 21st, bonus - otherwise it is there for Christmas and a flight for his 21st. 

More appointments with him over the next weeks to help him maintain the positive outcomes, deal with those perceived as negative, address the fears, provide information to him and update specialists, doctors, mental health professionals involved. And MrCentrelink for a heck of a lot of 'stuff' - that's a process hey!? Both Nana's see it as a good, growing move for their oldest grandson. We all go 'gulp' and get ready to hang on...

What are we doing??

And how many ways can you express that sentence to convey so many different messages!!??

'What are we doing' getting rid of absolutely everything? Its been talked about, planned, wished for so many times before so many moves over more than a decade the moment is NOW to actually do what has become a mammoth task. Once done - never need to again... 

The magazines, the jars, the newspapers - all cleaned for all the home made stuff 'gonna' be made before surgery stopped it all, kept because it would happen - out for freecycle, then dumper. If someone comes, takes it - bonus, its still gone. If it is too personal, contains 'numbers' or has memories no longer wanted or carried through to our future ~ we'll burn it.

Ruthless, fearless, release, be free of 'it' forever...

'What are we doing' going where we know no-one to a place we've never been to a house we've not been to owned by people we don't know who are leaving for an unknown guaranteed period of time??!! You know - even reading that I feel the adventure that should come with the "we won't die wondering why we didn't do it" decisions. Says it all really.

No more waiting for 'when we can' or thinking about 'if only'

'What are we doing' for a future? To those staying behind? About work opportunities? For income for all the 'stuff' in life? ~ gee there are a lot of questions but the biggest has been 'How are we doing this' with several messages defined by tone. It's not cheap but we think we've done it the most cost effective way possible.

'What are we doing' about the house? The chooks? The cats? School for SmallBoy? Care for MudGuts? Ideally with having someone we trust with our home - our primary residence and not just 'a house' - the mortgage side of our expenses are covered for at least two years. Not charging much more than our payments and we've managed on pension payments and savings over the years. IF the chickens 'come with the house' or not - we have avenues to give them new homes. The school is sorted and the care stuff is in process as we speak. 

The cats are coming ~ be it immediately or with a wee 'stop' at MILs and flown up if a better option. They are acclimatising to knowing the cupboard with some jumpers of ours as warmth to be their new 'outside bed' and do that whole 'pecking' order of which shelf for which jumper to which cat. This will change with the weather no doubt. It is my almost perfect to know the cats will be fully outside, not this in and out habit it seems to have become ~ in the 'zero' temperatures, its not fair they freeze like cattle...

Keeping a Tally

Only because I think I need to have a really good way to keep on track and accountable. It's not going to be cheap but we've only got about $5000 to do this and no caravan or car capable of towing one at this moment. If our solar panels can be transferred to another residence, even another name then we've got an additional $1000 deposit possibly refunded on thsoe - if not, investment to the solar industry...

The station-wagon has had a 'new / change-over' engine purchased ($650) and replaced, now running over for roadworthy ($550) ~ although there may be a new bits to replace/rectify for registration and the VicRoads inspection. Hopefully to be registered and the job can be done/finished this week and (even better) come in under $2000-$2500 - because we might also need to get some brake system if we get a pop-top or larger van to tow. Still only got a trailer/camper type budget - and there are some decent looking ones around the top end of our budget...

We will have whatever comes at tax time to start up in QLD as payment into the Line Of Credit for a buffer against mortgage payments while our 'tenants' get all their bizzo set up. I know she'll be right, but when someone close is involved you worry about that 'expectation of a little leniency' you know you have in transition over flow. Oh I just want a buffer of a month or two.

There is the option to get an 'advance' payment which is about $1500 all up but deducted incrementally for six months leaving us with about $400pw; but adds an extra month, so there can be that first month hiccup covered if required. And to appease my poor brain, settle my nervous financial nerves. Adding $200 a fortnight with the family payment will keep this ahead if all transacts smoothly. At mental ease having that out there ~ even if it makes no sense to anyone but me it makes sense. 

At this stage, sort of in my head I know the mortgage will have a buffer of a month and a half ($1500), the Line of Credit will be receiving our $200pf as well as $1000pm in. Using the reduced disability and carer income only, we will have about $450 per week from June. This is food, petrol, bills, whatever other fees, expenses of changeover required.

Still hoping a few services can simply transfer across states - like the internode internet/phone package. Hoping the "Helstra" saga of disconnection does not $c?#% this up or make it expensive and difficult. Stuff like finally getting rid of 'MS Games' subs and get back $10pm to the budget. I don't know - each as they come and once organised, on to the next is the way I am getting through it all. Semi prioritised in as best way possible ~ it will all get done as it does...

Solar Savings : $5200

Plus 'carport $1 sale': $170

Now Hello QLD Acct: $5370

Less: 

-$60 : Towing to Recomm 

-$650 : Changeover engine

-$650 : Installation & work to RW

-$299 : Bloody big skip bin

Spend: $1660

Hello QLD Acct : $3700

Needing to keep another $200 on hand for the skip removal and weight charge. All up it is going to be $426.62 ~ so still got $127.60 at least to go. The car rego is up to $450 with appt fees ~ ideally this will give the car an ZYX end rego. We think a trailer or pop up van rego will be $120ish. Plus there is about $1000 *assigned* to getting it passed for rego to go through OK. Over the next few weeks that's $1700 'needed' from the account ~ $2000 for a camp trailer is more the budget at this stage.

We plan to have a garage sale over the weekend ~ this one where we get rid of a fridge (not for $1!!), motorbikes, tables, wardrobes and an unbelievable amount for coins. Not caring about the whole profit money making but ensuring items go on for use, stay out of the skip as rubbish weight and maybe we cover the cost of this Mothers' Day present. Or aim for the higher limit of the engine expenses!

Entered a competition to win ~ (wait for it) ~ a year's supply of Kleenex toilet paper, a month of Bakers Delight yummies and a clever cleaning pack from VIVA.  So if you want to win a Blue Mountain holiday which I am not interested in winning at the moment - its a time constraint thing - go visit Digital Parents Mega Bonanza Giveaway - there is other stuff to win.