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

 

 

September Goals – Update

At the start of September I wrote out a list of things I wanted to achieve. Not only was it the start of a new month but it was also the start of a new season. I felt like I was ready to take on the world but sadly, my body did not agree. Whilst I felt physically fine to start with, I forgot that my body was still in recovery mode from surgery so I think I went a little too hard too soon.

Here’s a more detailed account of what went wrong.

  • To exercise daily
    I did really well until day 12. I was doing the 30 day challenge on the 7 minute app but 2 things stopped me from completing it – 1) the app was getting boring. The first few days there were a variety of exercises and you didn’t need to repeat most things 30 times. As I completed the days, I noticed that the app got, well lazy, it got to the point where it was 45 lunges on each leg, 50 squats, 50 ab crunches etc. Whilst that’s fine, it certainly wasn’t what I expected. I did the challenge because I wanted variety, not so I could spend 20 minutes repeating 4 exercises over and over again. 2) I got sick. Really sick. To the point where I had to take a week off work. I came to work for a week, then took a week off. It wasn’t the flu but I felt fatigued and yuck. Again, my body was still recovering from surgery so during that week I barely did any exercise other than stretch as it was all I could manage.
  • To do yoga 3 time a week
    Other than that week off work, I managed this. Some of the time it was a quick 15 minute routine, other times it was the 50 minute one that I do regularly.
  • To ensure the kitchen is tidy every night
    This worked quite well, the exception being when I was sick but that didn’t matter too much because I wasn’t in the rush the following morning so it didn’t bother me. But it did work really well. I even got into the habit of making most of my lunch the night before as well.
  • To say no more
    And I did this. Very easily. I barely went to the in-laws for mandatory family dinner (don’t even get me started), I didn’t go out if I didn’t want to. I didn’t feel guilted into staying longer than I wanted if I was out. It was nice. It was nice to remember that I’m an adult and that I can make choices without offering explanations or having to justify them.
  • To make the ‘junk’ food that I crave rather than buying it
    There were a couple of times I went out and bought things instead of making them but to be fair, that was after I broke our oven and cook top. I’ve been without one for a couple of weeks now and the new one comes on Wednesday. I’ll be able to start making things again.
  • To honour my hunger
    Again, I did this quite well for the most part but it’s always going to be a work in progress. It’s hard to change a habit that’s been with you for the entire life you remember but I figure as long as I’m doing it more often than not, then I’m winning.
  • To organise my wardrobe
    I did this. I even wrote a post about it here.
  • To read more
    I read about 4 books in the month of September so I’m pretty happy with that.
  • To practice Spanish 10 minutes a day
    Again, I did really well until I went back to work after I got sick. I just was so tired after work that I couldn’t even be bothered spending 10 minutes a day practising. But I’ll start getting into the habit again now.

I’m going to keep the same goals for October. I don’t want to add to it because these are still all a work in progress. I want to make sure that I have a handle on them before adding more.

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

Wardrobe Clean Out

Part of my goals for September was to clean out my wardrobe. It was also something I’ve been putting off doing for a very long time because I didn’t want to admit to myself how much I was holding on to that I either didn’t use or didn’t fit me anymore. Whilst I’m now happy to admit that I’ve put on weight and no longer weigh what I did 5 years ago, somehow admitting that most of the clothing that I love didn’t fit me anymore was just too much. And to be honest, it still is. I haven’t gotten rid of much – what I did instead was store those items in tubs and put them in the storage space under the stairs. I’ve given myself until the end of the year to either fit into those clothes again and keep them, or to sell/donate them.

It’s really hard because most of the items I’ve put away have some sort of sentimental value to them. There’s the Dizingof coat that I bought when I got my very first full time job. There’s the Alannah Hill dress that I wore to every wedding I was invited to for about 2 years. There’s the leather jacket my parents bought me for my 17th birthday, a jacket that they knew I wanted but couldn’t afford and yet they bought it for me even though they themselves couldn’t really afford the splurge. It’s these things that keep me holding on. Plus the idea that I could potentially fit into them again!

Anyway over the weekend I gave myself the task of cleaning and organising my wardrobe and it took a lot less time than I expected. I imagine it’s because I cleaned it out only a few months ago and was pretty ruthless with it so it makes sense this time round it was a lot easier.

Here are some photos of my progress.

Before. The empty cube up the top held towels which were moved to the bathroom a couple of weeks ago.

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This is just the hanging stuff in my wardrobe. I own a lot of dresses and skirts for someone who doesn’t really wear them all that often

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The items that are going to be stored under the stairs for the time being

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The items that are being thrown out because they aren’t in a condition to be donated or sold

After. And I still have the spare cube!

Overall it only took me about an hour and a half. And it’s made a heap of difference. I can clearly see what I own and what I have which will make it easier to choose clothing quickly. The only thing I want to do now is buy a few more wooden hangers, for tops and to hang pants so I can hang my jeans up as well.