Thus it must go

Something we can cope with... 

Every week, money comes in and money goes out. For the most part it works out about even in our favour ~ every so often there is something unaccounted and the money juggling skills are required. Must admit ~ we are very good at skimming the 'fat' and prioritising to ensure things balance through.

As mentioned yesterday, we receive income fortnightly which works out to being $676 per week. That regular amount can be used immediately or put aside and accounted for against the budgeted set debits. Bills, expenses and repayments aren't usually as clear cut ~ being required weekly, fortnightly, monthly, quarterly and occasionally annually. 

We have a 'round-off' budget which incorporates all the expenditures anticipated over a month period, plus a little on the left over for a lee-way expense of $20-$30 per week. Of course if we spend less on (say) the weekly groceries, there's another $50 which can be spent or added to one of the 'evil three' debts we have. 

There are plenty of activities which need little or no spending to come about. Some times a few dollars of petrol gets us all out of the house and on to the beach to swim, fly kites or other such fun. Maybe even taking the football or kites over to the park is a lower cost option ~ bring along some chops, sausages, bread and sauce to turn it into lunch or dinner out. And don't forget water or cordial because its always the drinks which end up costing when thirsty and hot!

The current budget looks a little like this each week:

Mortgage - $100 *$70 to LOC; $30 to Mort*

Electricity, water - $40

Food - $75

Phones/Internet - $65

Personal Loan - $100

Petrol - $50

School - $20 *$10 fees, $10 excursions, books, expenses*

VISA - $140

Insurances - $60

The mortgage/line of credit is also receives $300 a week through the real estate ~ less all their expenses ~ while tenants are in. This is paying just under the amount required so we have built a buffer paying in $5 three times a week directly against the mortgage and now plan to make that $10 three times per week. 

Phones and internet needs to be addressed in a big way ~ however we are required to keep the QLD home owners' phone line paid plus SmallBoy now has his first mobile in my old phone which has only had its first month of use. Seeing the amount as being slightly under that for food is a little nauseating, knowing it could be half that if we had a single mobile and 's/he' with the greatest needs has it the most.

Sunday's Feast ~:~ Chicken & Vegetable pie

Left over Christmas roast chicken, frozen

Left over cous cous from last night

Zucchini, carrot, broc, cauli, garlic ~ from ours & others gardens

Potato, onion - 50c

Frozen peas, corn - 50c

2 sheets frozen pastry - 50c

Butter, flour, seasonings - 50c

All the makings of "Pie" ~ took a few minutes to prepare

The filling made and cooling as the pastry waits

How to make left over chicken, cous cous & vegetables amazing

An amazingly large portion of pie for less than $1

Other cheap-eats dinner, totally full and extremely satisfied, for the grand total of perhaps $2 all up ~ under $1 per person tonight! 

We have succeeded with the 'No Spend Challenge' but not having spent when making do will suffice. All the ingredients for tomorrow's pasta meal are here so no need to buy any extra 'things'. I might want to ~ but its unnecessary.

2012 ~ the Demise of the Slack Tart Movement...

One step forward at a time... 

Let's welcome back the No Spend Challenge! 

And that whole concept of budgeting, planning, debt reduction, living over surviving and getting the balance realigned to our new environment and circumstances.  Oh Boy ~ do I feel like I have been the total slacker these last few months. 

Please know its been a big move from Ballarat Victoria to Bundaberg Queensland ~ not just in kilometres, but also the relocation and settling into schools, doctors, therapy and new friendships. The restocking of food stuffs, getting of uniforms, discovering of warmth and building of garden while learning about all the new plant 'preferences' and foods which grow in abundance! 

SmallBoy loving the lifestyle change 

Good to advise we have done it well! We've not added to the debt which is a relief. We've been able to trade foods for babysitting for wine ~ some times its about the bonus you receive because you wouldn't be out buying a box of beer too often so the odd 'thank you' slab has been a treat for Hubby. 

SmallBoy has surpassed all expectations, settled into the interrupted school year and made friends who will be joining him at the same high school in the next few weeks. 

Several classmates live very VERY close by so daily after-school and weekend visits here, loitering around here in conversation before heading to the various 'theres' has helped with socialising and friendships. He's got a mix of both guys & girls in his friendship groups ~ we've even had sleep-overs with both attending. OK ~ we admit ~ we did separate the sexes and the beds...

Such a relief and pure joy to see his confidence and personality developing. SmallBoy really has adapted well and relished the opportunity to make changes and develop his strengths. 

Plus he was super with the littler kids we spent time with throughout the travelling and again over New Year ~ even if he is 'so adult and mature for my age' at 12, its still a relief to be a child and play chasey, wave sparklers, play on the slip n slide without aggro, decorate cupcakes with the odd icing flower...

There has been a lot of making-do ~ I've seriously not bought any new clothes for me or Hubby since we've arrived, with SmallBoy really only needing school related uniform purchases. We've all had a pair of new sandals ~ an appropriate purchase that really was needed. They appeared under the tree for 'wrapping' the expenditure. 

Let's Start With Incoming and Outgoing...

Really simply and loosely ~ the current income comes to $676 per week / $1342 per fortnight. That covers all the pension, family payments and income we receive on a regular basis ~ Hubby has been actively looking for work, even if only a few days produce-picking to start would be fine. He has a few applications in and we wait with eager anticipation of a positive response. There's not a lot of work available - and plenty looking.

The outgoings are almost as simple and err'd on the side of the extra dollar - rounded up, not down to the nearest $5.  The current weekly outgoings are $650 per week / $1300 per fortnight ~ including a $15 weekly save to build up the emergency fund again. 

The menu for the week has been planned around what we have in the freezer, the pantry and can get from the garden. We've got carrots, asian greens, lettuce and some tomatoes which will add veg factor to a few meat, rice/cous cous meals. Instead of using this week's shopping budget of $75, I hope to do a $25 week and really only that much if I happen to feel there is a need to shop at the Co-op on Thursday or market for fruit and veg.

By going through and seeing what we've got and how we can get around without needing to buy any additional produce, our week and a bit of dinner menu, catering for three hearty eaters, is looking like this:

Sat: Pork Schnitzel and Spiced vegetable cous cous (meat $4, cous cous $1.50)

Sun: Chicken and vegetable pie (meat $1.50, veg $2, pastry $1)

Mon: Pasta ~ gnocchi and a tomato/zucchini/onion type sauce (pasta $2.50, sauce $2)

Tue: Butter Chicken and beans on brown rice (around $5 complete)

Wed: Pork Char Sui stir fry with noodles (meat $4, noodles $1.50, veg garden)

Thu: Vegetable pasties (bits from the fridge & freezer in pastry)

Fri: Tuna patties and chips ($3.50 patties, $2 potatoes)

Sat: BBQ & salad (9 fancy snags $3, salad garden, poss cucumber purchase)

Sun: Roast Beef & veg (meat $6)

Mon: Pie & veg with left over roast

Saturday's Fare ~:~ Crumbed pork schnitzel

Pork - $4.20, marked down from $11.90

Crumbs - grain bread, free; seasonings, garlic powder, parmeasan cheese (sprinkle)

1 egg for crumbing, free (thanks L&M's chooks)

Cous cous - Ainsley's packet, on special $1.50, exp 3/12

The basic ingredients ~ look at that meat score!!

All the bits to make the bread crumbs tasty 

A picture simply cannot convey the aroma and flavours

And thus we have the first of many meals under $2 per head. Left with a full belly and not much to do other than thank the chef...

Love the smell of rain...

So it rains more frequently in Queensland...

I get that. At around 2pm, maybe 230pm, you can almost guarantee it is absolutely pouring with rain, school pick up time is impending and no matter where you live, if it is going to rain today it will always be around school pick up time. Sarcastistically more so often than if you have washing on the line, get it off before 230pm and it will be dry - before it rains. The kids and collectors will still get wet.

Nah - that's not a real statistic but it is probably true. Today was a picture of that scenario, and SmallBoy's raincoat was staring me in the face as it hung on the bedroom door ~ and not in the schoolbag where it is supposed to be stored. Be assured, in true saving style, I wasn't rushing off to pick him up from school in the car and save him the saturation of a 15minute walk home. Be damned if good petrol be used because an item was not returned to its appropriate 'home' and would mean a good soaking for its wearer. Let him get drenched and perhaps remember where things are supposed to go. Or not ~ as it was, the rain stopped for the entire walk home and started about 5minutes after SmallBoy walked in the door. No lesson learned - today...

Still, one lesson which has been 'learned' is that by doing all known 'tasks' such as change out of uniform, do homework, handwriting, put dishes away, feed the cats and then ask if you can <please> play on the computer one is more likely to get a positive response. Still, Friday has always been a bit of a screen night as there were usually school mates over from school for a night of movies, popcorn in front of the fire back in Ballarat around now. 

No spending here today. 

But some money transferring was undertaken ~ $700 from Emergency Savings Fund (ESF) and put on to the credit card to lower the debt. Every week $15 goes into the savings, $15 onto the mortgage as 'extra' payments, $50 into the LOC (plus a little more while tenant deposits & mortgage repayment dates align). All regular bill payments are up to date, food sort of on budget.

Got friends coming up the first week of holidays for a few days here then we all escape to the Gold Coast for a few days, then return home - collecting DMIL & DS20 but 21 the following day.  GC accomm is paid - just looking at best theme park ticket bundle. *sighs* Might also get QLD plates ($800ish, from ESF, but will deposit VIC rego refund back in) and transfer RACV to RACQ. Then get to do all the insurance details again *yippee?*

Spent $110 on groceries & sundries Thursday ~ this included coathangers (desperately needed), bulk staples, kitty litter, some garden 'stuff'. Still got $40 for the markets on Sunday so pleased with that. The weekend will see us washing the car, getting in the garden and going to the festival on Sunday (Blooms or something Spring-time related). Oh - and putting away clothes...

Obviously we have $40 for the markets at sparrow's fart tomorrow. It's really time to hit the hay and get ready to get some fresh produce then go to another "Blooming" Bundaberg festival. Actually this one has a parade at 230pm so we are going down with friends. Should be fun. 

*yawns* Just enjoyed a lovely dinner up at the Sims family ~ truly. Last time Hubby was doing the 'house maintenance check' in Ballarat so only SmallBoy and I went - this time her hubby was away. This evening we had a great time - a simple meal of roast chicken and chips which the kids enjoyed watching 'Despicable Me' while we talked, had wine, organised coming over to our place for a BBQ. 

All the lemons we got from Rosscoe are juiced and I have a hankering for lemon meringue pie so much so I might have to make one. Chicken cooked in the camp oven, with salad from the garden and the markets, and lemon meringue for dessert. Mmmmm ~ no wonder I've gone over 62kg for the first time in 11 years. All this decadent food and dessert I've been making and partaking is adding the kilos to my meager frame - must up the ante on physical activity and bulk up the vegetables over the meat. And cut back to one dessert portion ~ this regime must also include dear Hubby who looks about 6months along at the moment... 

On that note, I'd best scoot. It's market day - early start with an afternoon jaunt. Might make pie for another night and enjoy it with a light meal. *yawns* OK ~ night y'all. Been great... 

Been linking up to some of the blog connect groups ~ this includes:

Poshonabudget - Friday-friend-connect ~ I know it is now Saturday (if not Sunday) - just doddling the last few days...

Say What you Really mean...

You say "battler" like its a bad thing *grins*

Bit of a thinking process going on about those who are "strugglers" and those who are "Battlers" ~ whether there is a difference in the two? Do strugglers really just like to brag under the guise of complaining about how they couldn't really afford the new $149 shoes, marked down from $200 at least, but managed to buy them any way and now its going to be a struggle to find an outfit that matches that shade of mauve.

Is there a class which is really in a position to do well, just has this silly habit of over extending and believing if they think they deserve it then they really should have it ignoring the fact they cannot in fact afford it? There are some who can afford to spend in whimsy, knowing the bills will still be paid and debt reduced. I hope some are reading and willing to contribute to the Spare Change Jar on the left as confirmation there are actually some who can afford to spend on whimsy for real and not just in our imaginations, dreams and wishes...

Seriously, I think there is a type who bemoan their lot when wanting to share an ill-afforded extravagance ~ in some ways I consider myself a battler, but the difference is probably in the region of getting $50k a year less than the "average struggler". Plus I see ourselves as being clever, frugal and powering through with what we have, rather than what we have not but must get regardless of the possible future detriment. The whinging battler is one often wanting to change but sees only the half empty glass, not feeling that happy tiddly feeling the first half put in your head...   I'd just tell her that we don't do takeaway, don't buy new, love fossicking opshops, use no-name and bake my own biscuits and pies. Why hold back - being in control and having control is something to be proud of.

It's like it is someone else's fault they are put in the position of feeling guilty for making a purchase (most likely via credit) which wasn't really needed but desired enough to actually hand over the plastic and cast aside that little voice asking 'but how long can you push that purchase payment out' for that extra dose of guilt on the side ~ and see others on half as much seemingly do twice as well as themselves with some jealousy. Guilt and jealousy ~ the "average struggler". 

Just as some love to say they enjoyed dinner out at that new trendy eatery, spending around $50 a head plus the drinks, I love being able to say I fed all three of us the type of meal you'd expect at a new trendy eatery for under $10 including a nice clean skin sparkling wine. 

Today was even more exciting and rewarding as we ate our own produce in tonight's evening meal. Using $4 of marked down steak, half the red onion from yesterday's salad, left over bean shoots, boiled brown rice and from our garden: bok/pak choy, snow peas, parsley, basil and ginger, I made the yummiest stir fry meal for less than $2 per person ~ easily as good as main from that trendy place others go....

Whose Fault Was It Anyway? 

If you think it was mine (and those goes for anything you think I may have been the one in the wrong from my early teens right through to tomorrow mornings' offerings) ~ fine ~ blame me. Don't care if I am not taking the problem on as my own ~ I do that well enough for myself alone. So knock yourself out ~ not my problem. Bridge, built - over it...

If you are a teacher however, or one who 'looks after' other people's children, or one who understands the concept of 'you kinda need to be responsible for your kids yourself too you know' ~ enjoy the following article:  What Teachers Really Want to Tell Parents.

Until the next time ~ do feel free to toss any spare change into the Spare Change Jar or Treasure Chest ~ it all goes on our debt and hopefully is indicative of the fact you find the blog informative, entertaining, education or you can tell we need all the help we can get *grins*

Put the cash back in your wallet

Objects are closer than they appear... 

We actually have some savings...

And I am wondering if it is better to put an extra $1000 onto the VISA or keep the $1200 as 'emergency money' and keep putting on an extra $100 per week to all the interest accumulating accounts. Ahhh - the dilemma.

As things have been SO stretched finanically in the past, the security conscious part of me would rather keep the savings in the online account, continue adding $15 each week and leave it be. The money conscious part of me says if the VISA is reduced by $1000, the limit can also be reduced thus lowering the interest. The flippy-floppy part of me says keep half, put half on the VISA - or maybe its better on the personal loan - or perhaps the line of credit - or put a bit on each...

I posed this question on the Mands On A Mission facebook page and got a great response from the author of 365 Ways to Make Money and 26 Ingredients, Kylie Ofiu. Before stating her opinion, Kylie mentioned the choice depends on other information ~ are the bills being paid, has there been any discussions or arrangements made with the financial institutions involved and was more than then minimum repayments now required? 

Once I clarified that all the regular expenses are covered, our debts/loans are getting a little more than the minimums each month (some more than others) and we are looking at getting the VISA onto a lower rate or zero rate card ~ but with nothing as back up if (say) car repairs were required its VISA (which we want to avoid) if we put our savings on to the debts.  Kylie offered the following opinion:

"If you are covering everything, keep the $1,000 aside for emergencies (like car repairs, insurance excess, health problems). It will stop the need for the Visa and will be easier to pay off that debt..."

She also suggested putting half on to one of the debts and keeping $500 as an emergency fund to avoid additional credit card debt.  Kylie also recommended looking for ways to make extra money and it might be time to get moving on setting up selling Tupperware again. I do so love the product and will be quite happy to potter through a party or three each week ~ must think seriously about that.

Of course, Hubby is about to look for work ~ even part time to start but we need to hear what the therapist says about my requirements and what abilities I should be strengthening. Especially as my neck now appears to be next on the chopping block (and I don't mean off ~ just need to have surgery to remove spurs and stop the nerve compression).

Our Little Mantras

This past week, we have set up some really fantastic habits and - while still new and practising - its not only lowering our spending, it is increasing our debt reductions as we issue 'penance' when temptation almost wins with a sneaky purchase or totally unnecessary spend.

Everyday he's "shuffling" 

On Thursday, I needed to get milk and onions which I did . . . and picked up two magazines . . . and put them back, thus "saving" $14.90. As penance, I put $10 onto the VISA and only $2.89 was spent on the required items. 

On Wednesday, I saw the nicest skirt ~ $15 ~ and even went so far as to browsed online to see if I could get it cheaper. Then moved away from the computer... Didn't buy anything and put $10 onto the LOC as 'penance' for evil thoughts *grins*  I figure if I felt like I had the funds for such 'extravagances' then I have the funds to pay a little extra onto our debt. 

So we have made some little mantra's and tips to help us not to spend just because... I have enough clothes, food, shoes, cleaning items to last a month and can spend that time looking for food, cleaners and REQUIRED purchases as they come on special. There is nothing I need urgently tomorrow.

I'd rather save for a "___ house/car/holiday ___" than buy another new shirt / skirt / jumper

$20 is better put onto the credit card than taken off.

If you 'want it' ~ put it back. If you decide you 'need it' come back tomorrow and think about it some more.

Other Reminders

Take a pic of your wardrobe, dresser drawers or shoe pile (your weakness) ~ keep it in your wallet IN FRONT of the card or cash ~ Look at the item you really don't need, look at the picture, look at the price and put it back... Even at the op shop. I carry around a picture of all the boxes of clothes we had at the garage sale and it reminds me I never EVER want to get to that amount again!

Saving - not Spending

SmallBoy enjoying a winter swim... 

We are finally back on the no/low spend trail ~ aiming to not spend anything until the end of the month. This is the fourth day with no spending. Of course there are things that are best described as 'required' spending. Things like the electricity or gas bill, the rent or mortgage, those types of expenses are always needed.  However, we don't need to use the car - we can (and do) walk to school, walk up to the fruit & veg shop, walk to the doctors. We don't need to use the home phone - the mobile has calls and text included in the monthly charge, we can sent an email or pop over to someone's home for a chat. 

We don't need to go shopping - there is enough in the pantry, the freezer and fridge. A regular shop is often a habit which only brings you to the supermarket by force of habit. This is another reason why menu planning helps keep the costs down.  The only 'required' spends are $50 on electricity, $3 for school sports, $3 for milk over the weekend, maybe a few dollars on some veggies and fruit.

But that should be IT.

I am doing up our new budget now that we are settling in to a bit of a routine in our house-sit in Bundaberg. Restocking the pantry and fridge/freezer has been a bit of an expense but we have kept it to a minimum and put 'wants' on the shopping list and wait to find them on special. We've got all the essentials, its sufficient for now.

A big 'no spend' goal for the next 12 months is that of no new clothes. Seriously ~ having culled thousands of items to hundreds, left a few boxes in the shed in Ballarat and brought a suitcase (or three) here to Bundaberg which I cannot hang or store anywhere, if I buy one item ~ be it op shop, co-op, or some discount superstore ~ I will donate it AND three additional pieces to charity. Seriously, I have three times the amount of clothing than the boys combined. 

Husband is not really going to need anything either - perhaps shoes but probably not even them. SmallBoy will require new clothes over the year ~ strangely enough he keeps growing (or his clothes keep shrinking) and there will be new school uniform requirements in the new year.  

Clothes no longer possessed... *sobs*

This alone will make a huge dent in the outgoings ~ although I did see a really nice dress advertised for $15 today (stop it *smack* bad Mands). 

Today was actually a great day, involving no spending or money at all! The house is tidy, all benches and tables are wiped (with fresh lemon juice in the water too boot!), all dishes done & laundry away. The garden was watered, weeded and a trashy novel got read out in the sunshine. I went to school in the afternoon to walk home with the SmallBoy ~ thus meeting up with a fellow gardener/mum on the main road (who I met on Freecycle a few weeks ago), met her mum from Melbourne, checked out the vegetables growing and got an invitation to dinner on Saturday. Bonus! You can't buy a day like today *grins*

The veggies are starting to grow *yummo*

The Rising Costs of Fresh Fruit & Veg

Oh what a beautiful morning... 

I don't think anyone hasn't been gob-smacked by the cost of bananas.

But $4 for a small capsicum? My youngest sister came to the conclusion its time to "drink more wine. It's cheaper, tastes better, and I look fantastic after a few!" after pondering if hers was a Magic capsicum. She decided it must be for such an insulting, exorbitant price. 

Most likely, this is the fall out from the crop poisonings last August which destroyed millions of tomato, capsicum, eggplant and other such produce when water was contaminated by unknown saboteurs. Another poisoning attempt was recently made on strawberry produces but thankfully that was stopped due to increased security against possible attacks.

Why are people at war with the farmers? It's not like farmers are the ones dictating prices at the supermarket and, from what I understand, they barely make enough profit to make ends meet themselves. Bananas for $15 per kilo ~ and I am positive the sellers would barely get a quarter that price. Especially know we have bought bananas for $4-$5 per kilo at the markets here in Bundy. 

It's been a tough year for our fruit and veg ~ hasn't it. There's been floods and cyclones, locusts and mice, and some parts of the country have had droughts for the past 10 years only to get washed away in the first year offering some opportunity to grow. Potato farmers striking, crops being poisoned, petrol/oil costs increasing and supermarkets bringing prices "down down, prices are down" ~ just not so much on the fresh, Australian grown goods.

What would life be like if we all had to buy locally. If the cost of transporting produce became so unreasonable that primary producers could not get their goods to buyers? Do you know how grow fruit and vegetables for your family if necessary? Can you milk a cow (if you had one), slaughter a chook, make yogurt or cheese, or savoury shapes? Imagine the cost of food doubled in September . . . and stayed at those prices for the next 12 months. Would you be able to afford your shopping habits as a consequence of economics ~ if you could afford to continue shopping the same way?

We've made our own bed... 

Making the Bed 

In light of that above, we have started to build our 'temporary' vegetable beds here. Mind you, the climate in Bundaberg is a mighty site different to that of freezing Ballarat. In fact, the veggie growing season appears to be coming to an end for the main bulk of crops. Things we plant now will be harvestable (if that is a word) around November and December with not a lot of the summer gardening we are used to - but I think we should be able to produce enough to freeze, pickle or preserve for the hot, wet, humid months to come.

We do already have basil, chives, oregano and parsley growing in a herb pot, plus some lettuce, strawberries and mulberry in other pots. We are about to fill a third pot (the old laundry sink actually) with some snow peas, wombok, coriander, mint and mustard greens. And, having met some wonderful local home growers, we've got ginger and yakon rhizomes to plant in next month.

The Laundry Tub ~ ready for herbs... 

Looking at Gardenate ~ there are quite a few of our favourite vegetables which can be planted over the next 4-6 weeks.  Vegetables like beetroot, celery, carrots, potatoes, onions, beans, lettuce, cucumber, pumpkin and radish. We can also start seed trays of leeks, capsicum, chilli, melons, cabbage, tomatoes and lots of different herbs.

Aside from building a raised garden bed and the laundry sink, we also have two concrete tubs and the inside barrel of a washing machine to use for growing produce in. Along with a few big pots and tubs, we hope to be able to share and exchange with others for things we don't have ~ like eggs. Oh we do miss our fresh laid googie eggs.

Miss my gerls...

Most of the manual work at the moment is being done by Husband, with a lot of advice, guidance and directions from moi! Our financial outlay so far has been zip and we hope to continue that way. Thanks to friendly local Freecyclers, we've also got some fresh, organic seaweed fertiliser - a wonderful surprise and a huge money saver.

We will be sharing the progress and hope to be able to get lots of personal tips from successful vegetable growers around the country. Saving money at the shopping end will mean more available to get rid of this debt and buy ourselves our own home here - ideally close to the high school SmallBoy will be attending for the next five years. Loving our new environment and already feeling part of a lovely community. *cheers*

Until tomorrow ~ keep that wallet closed (unless of course you want to contribute to our Spare Change Jar or Treasure Chest). All the little pennies add up and help us in more ways than you can imagine :D

Gifts to Give when the Purse is Empty

There are some who say "All you need is love..."

But try giving the gift of love to a four year old on her birthday and ~ trust me ~ it will generally end in tears. *cringe*  I do think children do have too much ~ too many things to play with, too much time involving screens, too great an expectation of 'I need' when its really 'I want', too much on offer and too much to compete with on a peer scale ~ mostly thanks to advertising, product placement and keeping up with the Jones' kids.

I know, I know ~ that's a very generalised statement which will cause some to rant "I don't do that", or "If I want to spend my money on my kids then I can", or "Blah, blah, Justifications, Who do you think you are making such judgments?" I'd like to say I don't yield to the pressures of modern life where 'every 10 year old' has either an mobile phone or ipod or laptop or TV in their room ~ or all four and more as the case may be.  Alas, with a Husband who loves 'toys', SmallBoy and MudGuts definitely benefited from Santa Claus*  over-ruling this poor mummy with 'family presents' of gaming consoles or other such electronic entertainment devices. 

(* also known as the Christmas Savings Account)

Still, sometimes there is diddly-squat in the purse to provide nieces and nephews or school mates birthday presents. And I really hate this current 'norm' of a card with $10 or $20 in it as a gift. Unless you are sending something by post, what is the 'joy' in getting $10 in a card? I see a 'couldn't be bothered choosing something for you, go get it yourself' attitude developing. Are we really all just so busy and harried we can't stop to get a gift for a child? There have been many times I cannot afford the frivolity of putting $5 into a card, let alone $10 or $20! So what do you do??

For the littlies, pop down to an OpShop (or look through your own bookcase) for an alphabet type book ~ you know ~ A is for Apple, B is for Ball...  Carefully take all the pages out, trim up the sides nice and neat and using a hole punch, make a hole in the top left and right corners. If you have ribbon or a long strip of material to thread through, great. Twine will do just as well. For under $2, or nothing but a little time if you have everything available, one home-made personalised Alphabet/Reading Frieze.

This one was made by the super creative Naomi D

Other firm favourites for gifts for the under 5s are homemade playdough or slime. $2-type-shops often have the fat pavement chalk which is great for using inside on a blackboard or outside on the driveway/concreted area in the yard. Colourful, messy and washed away with water!  

If you've never made Playdough before, I've put an easy Play-Dough recipe up on FaceBook. Dividing this into four portions, you can make four different colours to go into separate little containers (250ml or larger), add a few cookie cutters or a little rolling pin and you've got a fantastic gift. These last for ages in the fridge, can be used several times and (if you add the recipe to the package) the containers can be refilled as needed.

Older kids tend to have a plethora of cars, dolls, toys, cards, pencils and other nick-knacks its hard to be original. But a medium size pot, filled with a bag of potting mix and a packet of lettuce or flower seeds is a great gift - encouraging care and responsibility while ensuring a bit of outdoor time while putting their gift together and watering it. If you're a creative type - grab and old pair of pantihose and make a grass hair man kit for a child to make.  Using these instructions ~ Grass Hair Man ~ some grass seed, a pot, some potting mix, buttons for eyes and a red marker for the mouth is more economical (and more fun) than some of the $20 kits available in stores. Most of the items can be found around the house or on Freecycle. Make it a project kit with instructions and the gift will last longer.

Hey Dude ~ A green gift

There are lots of lot cost / no cost gifts to be made and most kids love mucking about with this type of present ~ especially if it is not homework or an assignment set from school. 

Of course you can always enter competitions and hope to win a prize to pass on as a present. So don't forget we are giving one reader the change to win a plush Koala and a tube of EukyBearub. You could gift them as a pack for someone you love coupling both the cute and cuddle with the useful and thoughtful bonus for when cold and flu strikes.  

More details are available here

Well, I'm going to pack up the bat and ball and head off to bed. It's been a long day and the housework did not get finished. Still, Husband has started the frame of our new veggie bed and I am on the hunt for about 200 newspapers to put at the bottom. Fingers crossed we can source these in the next few days. Been saying a little ditty to get me off to sleep at night, thought I'd share it with you :

Angels, Fairies, Spirit Guides, Gods

Please take me off to the Dreamlands of Nod

Help me to sleep peacefully all through the night

To wake up refreshed in the new dawning light

Night all :D

From the country to the sea

In a flood of panic and erratic behaviour!

But I am looking around and thinking finally some progress is being made. Good progress. Ok ~ I am stressing out because I simply cannot pick up the 'things' I want to and this is getting frustrating. Of course I have been lifting the odd box, stacking books and now I have a screaming back. Joy - not...

We are eating down the pantry ~ creativity in the kitchen can be fun interesting a challenge. Only spending about $20-$30 a fortnight on food stuffs - mainly milk and cat food. In the past week we have turned 1kg mince into a hamburger dinner, a spaghetti bolognese and a mince & vegetable pie. ALL were delicious. I made a 'kinda' chicken cacciatore without the olives. Using 6 pieces of chicken, I added tomatoes, herbs, carrots, celery, peas and a big garlic pida bread to soak up the sauce. It was really yum and filling.

Splurged (sort of) and used a beef roast hiding in the freezer (and put leftovers into the meat pie) which we ate on Friday when Dad came up to help fix minor bits and bobs around the house in readiness for our 'tenants' ~ catching up with real estate this week to manage the house in our absence. Regardless of knowing the people in your home, we feel this is the best way to go.

Thankfully SmallBoy is not sick of having Weetbix for breakfast every morning ~ although we have enjoyed porridge on the weekend. Plus we did enjoy a pancake brunch today - mmmm love that lemon and sugar on pancakes. And maple syrup (but not together!!)

Oh I just want this all to be over and get on the road!!  Moving boxes and 'stuff' has been doing my poor ol' back no good at all ~ but I am pushing through without overdoing the lifting & lugging side of things. Well, as much as possible. Having a laugh at some of the things we are finding (and throwing out as you can see above!)

Lachie is starting to get a little weepy at the thought of leaving all his friends. We expected this and have friends over every weekend until we leave ~ he is keen and excited to be going - its all just a little bit scary and overwhelming for him knowing its 19 days away. 19 days - oi vie!

Still clearing out 'things' - selling some stuff for diddly-squat, giving away other items, piffing anything broken and the rest *!!* into storage for when we buy our own place in Queensland. It's all looking really good at the moment ~ we have enough to get new shocks and brakes on the car through selling our 'things' and you've got to be happy with that!!

This is what we have to look forward to enjoying on a daily basis. Sun, beaches and more. Time for this little chickie to get to bed and start afresh tomorrow morning.  Night all :D

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

Yes Verruca ~ it's the bank's fault...

Don't you just love waking up early ~ to sunshine :D

No spending or bill paying required today. A good thing too ~ poor old NAB is having 'technical issues' and no pension has been paid into the account. Heard a lot of bitching about how terrible it is salaries have not gone in, wages have not transferred out, automatic transactions have not occurred ~ do people with incomes really put themselves that close to the wire without a little 'secret stash' for emergencies??   Just asking...

Now I can hear the swearing and cussing of 'who does she think she is', 'where does she get off' and thinking how can I be making such generalised statements. Believe me when I say, we used to live pay to pay, enjoying dinners out, weekends away, takeaway and such without putting anything away and wondering where it all went week in week out. Pay the rent, buy the groceries, buy CDs, go out every Friday, Saturday, use a taxi and whinge about how little we were paid for the work we did. Been there OK?!

I am a NAB customer whose disability pension did not get paid into the account as scheduled. Am I left stranded? No. Am I going to starve? No. Am I inconvenienced to the point of mayhem, agony and financial crisis? No. Can we manage for a day, or two? Or three even?  Yes we can.  Why?? Because even on a pension with a mortgage, children, hubby on carer payments and (now) $26,000 of debt to pay off, we 'squirrel' an emergency buffer of $10pf - 10% of our income - away for emergencies and unexpected events (like broken talus bones) to ensure we have enough to carry us for about a month.

Each time that buffer becomes a month buffer - one full payment of approximately $600 can be paid into our Line of Credit, or onto our (NAB) VISA card.  It's a habit we had while earning a regular wage and one we have maintained in $5-$10 increments every single week. Sure - panic might set in from time to time because having an 'emergency stash' of $300-$600 can be scary - but no where near as scary as having a $zero emergency fall back. 

As seems to be the case this weekend with so many screaming they are in trouble, inconvenienced with the none receipt of their weekly, fortnightly and monthly pay cheque. Come on grown-up peoples - get your personal finances and butt coverage in order. If only in a small way...

Yes - the NAB's services are substandard - especially as society expects - no, demands an instant fix or 100% timeliness in the banking, telecommunication and insurance industries' business practices.  Yes - I agree business offering a service should provide, especially when charging fees for the privilege of simply using that particular business over any others (sadly I have to include Hellstra's stranglehold on landlines in that statement) but sometimes things go wrong and, regardless of whose fault it may be or what technology failed to perform to ones expectation (including that of the relevant service provider) - cover your own behinds people and pre-empt the unexpected but not totally unavoidable with some sensible saving practices.

Has there problems with banks and technology in the past? Yes. Did people not learn anything when this happened a few months back? Especially those who were customers of NAB and previously affected. Was there nothing that suggested individuals should be a little more prepared for the 'just in case'??  Mind you - when the Commonwealth automatic teller machines went on the Fritz and issued more cash from the whole than requested - heaps took the 'chance' to access extra funds than their entitlements. Sure ~ just about everyone was asked to repay after being tracked down via personal identification numbers entered into the ATMs ~ and the Commonwealth had to do the tracking for weeks of those unwilling to advise the bank of the overpayments.

I didn't plan to break my spine and reduce our two incomes to one within a year of acquiring a mortgage.  We didn't plan on a global financial crisis to reduce that one income by 20%. We didn't plan to fall dependent on benefits for a period of time (be assured, this is not going to be case within the next 6-12months). It was never the plan to spend four years as a single income family with a newly obtained mortgage.

But we did plan to live within our means, have the capacity to fulfil our financial obligations on one income, adjust it to fit that dictated by the GFC and to save 10% of our income(s) when there in whatever capacity. We did plan to be able to cover our obligations on a single income and not rely on two full time wages. This is how we had around $7000 when I first became incapacitated in 2007. This is how we were able to have an additional year paid onto our mortgage without dipping into those savings. 

These savings paid for medications, doctors, surgical appointments, scans, therapies and transportation before disability support payments (and the all important pension card with its medical and pharmacy discount entitlements) were granted. Which all aided our request for a period without mortgage repayments while we adjusted to a weekly drop of 50% on that single income to benefit payments only in August last year. 

So really ~ what are people complaining about a 24 hour delay when we used to have manual payments. We are a society of Verruca Salt's and we "want it now" ~ when we can't we have a tantrum, expect 'Daddy' to fix it or we will grab and scream until we get it, only appeased until the next 'thing' comes along.

Just saying...

Turn Left at the next Corner...

Ever get stuck in a rut?

We are a little stuck in a hole. And finding it a little hard to call out for help ~ only because Husband and I are the only ones who can help us. You know how it goes - don't you?

I hate hate HATE clutter - the mess - the disorganisation which continues to hang through this house and, rather than wait for Husband to help, I am just going to deal with it by myself. It's not Mands Mission for nothing. Yes, feeling a bit bull headed tonight...

Don't get me wrong ~ my dear Husband is a wonderful man. He is caring, helpful and able to bring a smile to my face. He worries about our wellbeing, how I am feeling, what he can do to ~ but he procrastinates, doddles and fluffs about before getting to the job at hand. Mind you ~ in the work place he is nothing like this. Focussed, meticulous and almost anal in his need to make the finished product/event as perfect as possible regardless of what it takes ~ why cant that happen at home?

So that's it. I can't rely on him stepping up to the plate without incentive, chocolate, yelling and tears. And I just can't do that any more. Actually while I have MWP**, I can get those tears up over burnt pancakes ~ funny story that ~ another time... I will go over board but right now - I don't care...

Can you tell its all getting a bit too hard?? 

This garage sale just isn't happening, the weather is crappy and motivation is just not around in any amount. I've decided to help clear a lot of this clothes clutter, I am going to have a $1 sale. Although there might be a few things for more than $1, the bulk of anything already sorted for the garage sale which still hasn't occurred will be $1. Heck if someone wants 100 pieces and says $100 - and there are some 'excellent' peices in the mix, pffft - I don't think I care.

*sighs* Sometimes I wish no spend/low spend was a choice not a necessity. Feeling a little low & deprived today ~ I am tired and ultimately finding it a struggle to even get up out of bed. Yes - I know - its that stupid time of the month when I become the Mad Woman Possessed** ~ should be normal by tomorrow...

Don't get me wrong ~ there have been some great goals kicked. We can add to the list of debts gone ~ the Council Home Help account has been wiped clean, giving an extra $5 to the fortnightly budget. Unfortunately, the Gas and Electricity company has hiked up our minimum payments by $10 a fortnight ~ so little extravagance will come from that gain! *sob*

*humfphs*

Pears are stewed and bottled, chicken pie is made and I've made some zucchini, ham and cheese muffins for lunch tomorrow ~ although I might make some fruity ones in the morning because there is half a bottle of pears which might not 'keep' because it was not filled to the top.   I am so going to bed ~ 

Night y'all ~ will chat tomorrow ~ when I am in a more amiable and uplifting mood...