September Intentional Spending – Wrap Up

September was an expensive month. I knew it would be so I was prepared. I had some savings money transferred across to my everyday account so I could pay off my credit card as soon as I needed to. Although I went well over budget, I already had the money for most of the excess so that’s always a bonus.

Here is what I spent

  • Make up – up to $50.00
    I bought a few lipsticks and nail polishes – $33.36
  • Train ticket for check up with the surgeon – $6.00
    As always, exactly $6.00
  • Train ticket for final check up with surgeon – $6.00
    Again, exactly $6.00
  • Flights to Brisbane – up to $700.00
    $435.72
  • Book accommodation for QLD – up to $1500.00
    Haven’t done this yet so will transfer over to October spending
  • Flights to NZ – up to $1000.00
    Also haven’t done this so will also be transferred to October spending
  • Nephew’s Birthday present – $100.00
    I already had purchased a couple of books for him but he now has a bank account so I gave him $50.00
  • Food for Grand Final Day BBQ – up to $100.00
    Fiance’s paid for this so $0.00
  • Doctors appointment – $80.00
    I never made this specific doctors appointment but I did go to the doctor as I was sick but it was a bulk billing surgery so it came to $0.00

This is my list of additional purchases.

  • Black loafers/shoes for work – up to $150
  • A new water bottle that tallies how many bottles have been drunk, is BPA free and made of glass – $50
    As mentioned above, I purchased a new water bottle. I’m not 100% happy with it – it doesn’t fit in my car’s cup holder, it makes a whistling noise when I drink out of it and it doesn’t have a counter for how many bottles I have drunk but it’s the closest I could find to what I wanted so it will do – $24.95
  • Single serve bowls that can be microwaved x 4 – up to $50
  • iPod – $219

Here is what else I purchased during September

  • Kmart – $27.00
    I bought the book 13 Reasons Why, a game and stockings
  • Dollar Store – $31.47
    I bought a birthday card, a storage box and some paint supplies
  • Google Play  – $54.99
    I purchased the Asana Rebel app for the year. I haven’t really used it much
  • LA Dance Studio – $100.00
    I enrolled in a 6 weeks Twerking class. I started it a couple of weeks ago and am really enjoying it
  • Cotton On – $50.00
    I purchased new shorts for the twerking class and also a new set of summer pjs
  • Nourished life – $68.90
    I purchased another lip gloss and hand cream as part of my Self Love Week Challenge BUT this also included a water bottle so I can now cross that off my Additional Purchases list!
  • Bali Accommodation – $2128.26
    I paid for the accommodation for our second week in Bali for next year
  • Passport Renewal – $277.00
    Had to be renewed because my face has changed due to the jaw surgery I had a couple months back and also because it was expiring next year
  • Photos for passport – $16.95
    Pretty self explanatory
  • Travel insurance – $161.00
    Because I am not an idiot. Honestly it baffles me that people spend thousands on a holiday and just can’t be bothered paying a couple hundred dollars to insure their trip
  • Bali flights – $1201.00
    Booked with Jetstar. I wanted to go with Garuda as I prefer flying with them but Jetstar worked out to be $500 cheaper between the two of us so it won out
  • Deposit for my wedding dress – $2229.65
    I’ve decided to get my wedding dress made, so this portion of the fee is to cover all the fabrics. Hopefully the dressmaker gets in touch with me today and I’ll have a better idea of what the additional cost will be. I’ve been told to expect around $1800.

It occurred to me last night that Medicare still haven’t sent back my anaesthetist bill which means I haven’t been able to claim that back from my private health insurance yet. I’ll need to make sure I follow up on that. There’s a lot that I need to carry over to next month but again, they were things that I had planned – just wasn’t sure when I wanted to actually pay for them.

Budget Spend – $3542.00
Actual Spend – $531.08
Extra Spend – $6346.22

 

 

Intentional Spending – September

I’ve realised it’s been a long time since I’ve put money into the mortgage. I’ve been putting money into my savings account every month but not so much the mortgage. I’ve been lucky that my fiance has been working a lot of overtime so he’s been putting in enough to cover both our share and then some which has been great. I on the other hand have been using that money to pay off all my various medical fees because I didn’t want to transfer money from our offset account if I didn’t need to.

September Spending

  • Make up – up to $50.00
  • Train ticket for check up with the surgeon – $6.00
  • Train ticket for final check up with surgeon – $6.00
  • Flights to Brisbane – up to $700.00
  • Book accommodation for QLD – up to $1500.00
  • Flights to NZ – up to $1000.00
  • Nephew’s Birthday present – $100.00
  • Food for Grand Final Day BBQ – up to $100.00
  • Doctors appointment – $80.00

This is my list of additional purchases.

  • Black loafers/shoes for work – up to $150.00
  • A new water bottle that tallies how many bottles have been drunk, is BPA free and made of glass – $50.00
  • Single serve bowls that can be microwaved x 4 – up to $50.00
  • iPod – $219.00 Note – I’m not sure about this item anymore. The specific iPod I wanted seems to no longer be for sale and the next one up is $299 and is the size of a phone so I’m not entirely sure I want to purchase this. I’m going to keep it on the list for a couple of months whilst I shop around for the one I want
  • Flat black ankle boots – up to $200

I feel like there is more but for the life of me I can’t think of anything else. My diary doesn’t have many plans in them for this month that requires spending but that seems like a very little, albeit expensive list. I’ve also added another item to my additional list. A pair of flat black ankle boots. I have wedged and heeled boots but not flat ones so I’d like a pair to add to my wardrobe.

The money I sent to the ATO for my HECS debt was returned to me. Obviously it didn’t go through so I’ve put that money back into savings. I’m still waiting for medicare to approve the rebate for the anesthetist bill so I can take it to the private health insurance.

In the next couple of months I’m going to start looking at purchasing new furniture and artwork for the house. I’m hoping that in the next couple of months the new door and floors will have been put in so I can start looking at what I want to do with the rooms. These purchases will most likely go into additional purchases as they will be purchases as I find things that I like.

Budget Spend – $4262.00
Additional Spend – $669.00

Intentional Spending – August

August should, in theory be a quiet month. My jaw surgery is tomorrow (eek!) and I will be staying at my parents for a couple of weeks. I think most of my expenses this month will be train tickets to get to the surgeon for check ups.

August Spending

  • Train ticket for surgeon appointment number 1 – $6.00
  • Train ticket for surgeon appointment number 2 – $6.00
  • Rates Payment – $1432.00
  • Body Corporate bill – $350.00 (I’m not sure if this is actually coming but I haven’t paid one in a while so I’m anticipating it’s arrival)
  • Father’s Day gift – $50.00
  • Nephew’s birthday present – $50.00
  • Beautiful You course repayment – $396.00
  • Dinner out as a last hurrah – $150.00

This is my list of additional purchases.

  • Black loafers/shoes for work – up to $150
  • A new water bottle that tallies how many bottles have been drunk, is BPA free and made of glass – $50
  • Single serve bowls that can be microwaved x 4 – up to $50
  • iPod – $219 (new item)
  • Doorbell – purchased last month by fiance

I haven’t added anything new to the additional purchases list. I think I will probably get the iPod this month but I’ll see how I feel in terms of getting out of the house and driving. Although I don’t have it as part of my intentional spending list, I think my grocery bill will decrease significantly as I’ll be buying mostly fruit and veggies to blend into smoothies.

Budget Spend – $2440.00
Additional Spend – $469.00

Intentional Spending – July Wrap Up

Wow, I did really bad at calculating all my expenses this month. I’m so over and I knew it around the 20th July which was 6 days after pay day.

Here’s how I fared in July’s Intentional Spending.

  • Lunch at the Sofitel for a friend’s birthday – $110.00
    Lunch ended up being $116.00. And delicious.
  • Xrays etc for surgery – $850.00
    Xrays and moulds were taken – $850.00
  • Dinner with friends – $100.00
    My fiance paid for this dinner.
  • Train/Uber for Barossa Dirt – $30.00
    We used the train both ways – $6.00
  • Drinks for when my best friend is back in town from overseas – $50.00
    Drinks turned into lunch first so I paid for that – $62.10
  • Train/Uber for fiance’s mid year social for work – $50.00
    Got the train to and from the event – $6.00

Here’s how I overspent

  • Dinner after Barossa Dirt – $82.00
  • Forgot about my water bill – $232.00
  • Going away drinks for a colleague. Not once, but twice. And I paid for the first rounds. I have to stop doing that because I’m always driving so never get shouted drinks – $42.00
  • Forgot about the coaching course I signed up for. Whilst I had the deposit money saved, I forgot about the monthly payments – $396.00
  • Impromptu dinner out with girlfriends. One decided on a last minute visit from Perth so of course that meant dinner and drinks – $25.00
  • New headlights as both my mine blew within a couple weeks of each other – $19.00
  • New Pj’s – $24.00
  • Internet Extender (so the wifi actually reaches my old bedroom whilst I’m staying at my parents place – $49.95
  • New jacket – $39.00
  • Online Diploma (I like studying for fun) – $49.00

I spent an extra $957.95.  Whilst it is a lot, I’ve included the water bill in there. Part of my savings strategy is to put away money for these types of bills but if I can, I like to just pay them out of my everyday account because then the money I’ve put in the savings can be moved to an actual savings account. The course is something I’m going to have to be really mindful of because it is almost $400.00 extra a month that I knew about but didn’t really realise it if you get me. I know I can do it – it may mean tweaking how much I’m putting away for stuff for a few months.

I also bought an item that wasn’t on my list nor was it on my clothing list but an item I realised I wanted whilst reading Natalie’s Intentional Spending post and that is a leather jacket.  Initially I wanted a real leather jacket and was happy to spend up to $300.00 but wasn’t happy with anything I’d found. I was in Target one day wandering and found a faux leather jacket that I quite liked. It had silver hardware which was good as I don’t like the gold and whilst it had zip details it didn’t go overboard. Plus it was on sale for $39.00 so I decided to buy it. I’m really happy with the purchase because it was pretty much exactly how I envisioned what I wanted except it’s not actual leather.

I didn’t purchase anything under the Additional Purchases however my fiance did end up buying a doorbell. I’m fairly sure it’s haunted as it makes a weird barking/electronic noise in the middle of the night but it’s a doorbell that I did not have to pay for so it’s now crossed off the list.

Budget Spend- $1130.00
Actual Spend- $1040.10
Extra Spend – $957.95

Intentional Spending Wrap Up – June

My Intentional Spending month didn’t exactly go to plan and to tell the truth, nothing I do seems to but hey, we just have to go with the flow and make it work!

I did find it hard, especially the first week. And this is just what happens with me – I deny myself something and I get really anxious and fidgety and I just have to buy something. And I did. You can find out a bit more about that after my wrap up of what I did and didn’t achieve.

  • 2 birthday presents – $20 for the first and $50 for the second as it’s a 30th.
    I spent $17.90 for the first present and $55 for the second. Technically I haven’t spent the $55 yet as the lunch booking was made for after this pay month ends so it will go into next months. I also forgot to include paying for my share so this will go up to $110.
  • Dinner and drinks out for the first mentioned birthday – $100
    We decided to go for high tea instead which set me back $40.
  • Half of my eye brow appointment that I already have booked in – $300
    I knew this was around $600 but it’s actually $640 and I had to pay it upfront. Whoops
  • An outdoor dog bed as the bed now is riddled with bugs and has been destroyed – up to $100
    The bed I found at Bunnings was $59.95 but I had a $20 gift voucher (I lie, it was my fiance’s GV which I made him use for the dog bed) so in total it cost me $39.95.
  • Dinner, drinks and parking before a concert – $100
    Dinner and drinks was $70 and parking was $11
  • Nibbles and food for my birthday – Up to $300
    Irrelevant now as my fiance paid for the food. Yay!

There were a few extra purchases that I hadn’t thought of when I wrote the initial post. I spent $88.90 on tickets to see Peter Andre and CDB (I’m not even embarrassed) and I had signed up for a wine delivery in January that I had to pay which was $285. I also bought some new bras from Kmart which cost me $20 for 4 but I really did need new ones. These are the purchases that helped in the first week. They weren’t planned expenses but they weren’t impulse purchases either. I just didn’t have the foresight when I wrote the initial post to include these.

I also had a few medical expenses that again I didn’t know about until the month had already started. I was reminded that my skin check was due and I was contacted by my doctor to see her because my test results came back slightly elevated. The skin check set me back $80 in which I got back $21 and the doctor set me back $82 in which I got back $37.50.

I also signed up to the Beautiful You Coaching course and paid my deposit but as I already had that money saved, I haven’t included it as an extra expense. I didn’t find anything in my Additional Spending List but I do hope to find a water bottle soon – mine is getting a little manky.

Budgeted Spend –  $970.00
Actual Spend – $818.85
Extra Spend – $393.90

Total Spend – $1212.75

I’m actually not that disappointed with total. It’s not too bad. I spent a lot less on some things and a lot more on others so it me it almost worked out.

Intentional Spending

I feel like I’ve been spending so much money lately that I thought it was time to reign that back in. I want to be more purposeful with my spending, to anticipate and plan my purchases instead of reacting to wants and things on sale. This has partly been inspired by my road to minimalism. I’m also going to start keeping track of my purchases again because I find it interesting to see exactly what my ‘I don’t know where all my money has gone’ money is being spent on.

So these are my intentional purchases for this month.

  • 2 birthday presents – $20 for the first and $50 for the second as it’s a 30th.
  • Dinner and drinks out for the first mentioned birthday – $100
  • Half of my eye brow appointment that I already have booked in – $320
  • An outdoor dog bed as the bed now is riddled with bugs and has been destroyed – up to $100
  • Dinner, drinks and parking before a concert – $100
  • Nibbles and food for my birthday – up to $200

I’ve also added a list of additional purchases. They’re purchases that don’t need to be made in a certain month – they’re more for when I’m looking for something but can’t really find exactly what I’m after so I want to keep an eye out for them.

This is my list of additional purchases.

  • Black loafers/shoes for work – up to $150
  • A new water bottle that tallies how many bottles have been drunk, is BPA free and made of glass – $50
  • Single serve bowls that can be microwaved x 4 – up to $50

All those purchases add up to pretty much all my spending money for the month so I’ll need to re-jig groceries as my fiance and I tend to eat expensive even at home. Or, he can pay for it all which to me is a much better system. It’ll also mean no impromptu dinners out, unless fiance is paying and no ‘just cuz’ purchases. To tell the truth even my ‘just cuz’ purchases get forgotten about. I have magazines that I’ve purchased every month this year that I still haven’t read. I have new books that I haven’t even started, I have new nail polishes even though I don’t really paint my nails anymore so it seems that I’m just spending money for the sake of it rather than because I really needed it or thought deeply about it.

I’m hoping that this will help me really think about what I’m purchasing and why I’m purchasing something. Do I really need it or do I simply want it?

So I’m a bit late (and have been really, really slack) but part one of renovations are finally complete! I’m so happy that I can a) go home, b) sleep in my own bed and c) have my beautiful puppy back home. There’s still part two and three to complete but we’re getting there.

So here are my updates.

Health

  • To reduce body fat by 5% through exercise and eating well in 6 months
    So my appointment with the doctor went pretty well. It’s amazing what a good doctor can do. We agreed that I’d be more careful with what I’m eating and that I’ll need to develop an exercise routine regardless of the excuses I can give. So to help with this I’ve bought myself a fitbit and it seems to be helping. I’m aiming for 7000 steps during my working days and 12000 on non-working days. Some days are good and some not so much. I did notice that when I don’t actively make an effort to walk I only do about 3000 steps a day which is pretty appalling. So now, provided that it’s not pouring with rain, I’ll walk once or twice around the block before getting into my car to go to work and if I have a really good run, I’ll do a lap around the wetlands near work. That usually gives me around 3000 steps without too much effort. I’ve also started using the 7 minute app a lot more. I’ve just started the 30 day challenge and I have Day 3 tomorrow so that seems to be helping. But again I haven’t weighed myself and I’m not entirely sure I want to.
  • To not smoke for 90 days
    Done! But I’ve been smoking these last couple of weeks. Not a lot but that’s not the point. I wonder if forcing myself to not smoke was counter-productive.
  • To exercise 4 times a week for 3 months
    I’ve done this for about 2 weeks now. I’m not counting walking unless I go for a decent walk.

Financial

  • To save $250 a month for 20 months in order to enrol into a life/health coaching course.
    I’ve popped May’s $250 into a bank account. I’ve also decided that I want to do this course sooner rather than later so whilst I’m still saving for it, I’ll be withdrawing some money from my surgery fund in order to do the October course this year instead of next year. My surgery has turned out to be much cheaper than I anticipated and I already have more than enough for it.
  • Arrange to pay $200 a month to HECS debt by March.
    The $800 is still in an account not doing much. It’s tax time so I’ll ask an accountant when I go get my tax return down what I can do about it.
  • Only purchase lunch one Friday a month and bring lunch from home all other work days.
    I’ve bought lunch a couple of times but I’ve also not gone out for dinner/brunches nearly as often during May so I think they cancel each other out. I’m hoping once I’m back home I’ll be more prepared. It’s hard not being in your own home and having it been made very obvious that you aren’t allowed to use certain things.

Lifestyle

  • Declutter, throw out/donate and organise one space each month for 12 months.
    Didn’t do a new space but I did go through more of my skincare/make up and throw out a whole bunch. I don’t want my new bathroom to be cluttered so I want as little as possible in there.

Personal

  • To be able to do a split on left and right leg by the end of 2017
    I’m at a plateau with both legs. Granted I haven’t practiced splits nearly as much as I had previous months but whilst I’m not seeing any noticeable differences, I am able to work on technique and posture.
  • To be able to do a back and front walkover by the end of 2017
    Again my legs are getting straighter and I am able to hold it for longer. My wrists do hurt a fair bit afterwards so I am a little concerned about doing a back walkover but I’ll deal with that when I get closer to that stage. My real annoyance though is that my surgery is now booked in for August and recover it about 4-6 weeks so I’m sure I’m going to go back a couple of steps but hopefully it’ll be quicker to gain them again.

I think I’m doing pretty well. Granted some goals have changed as well as circumstances making some a bit more difficult to achieve than others but I’m pretty happy with progress. I don’t feel like I’m making excuses for not meeting some of them because I still need to be realistic but I have noticed that the ones I’m really invested in are the ones that I’m meeting regardless.