Thursday, March 31, 2011
Wednesday, March 30, 2011
Tuesday, March 29, 2011
2. Today I feel in control of my money. I'm definitely loving the cash envelope system instead, It's helping me visualise where my money is going.
3. Money can’t buy happiness. One free/inexpensive thing I did last week that made me happy was I took my best friend on a tour around the Queen Vic markets, we didn't spend a thing but it was fun to walk around and see things.
4. I will consider this week a success if I clean my apartment, completely.
5. The last time I had a good nap was maybe when I was a kid, I don't really have naps.
Monday, March 28, 2011
change bed sheets
clean lounge room
put away clothes
take garbage out
There's not much point to to this blog, I just need a list to cross off as I clean.
Friday, March 25, 2011
Wednesday, March 23, 2011
I've had a re-think of my spending process this fortnight and I've decided to trial a cash envelope process for my "non bill" expenses. I'm going to keep cash envelopes of how much money I've allocated to food, entertainment, health and beauty and gift expenses. All my bills will still stay in their usual bank transfers but I'm hoping this new process will help me get more of a handle on my expenses so I can limit the overspending. I went to
I've done a rejig of this fortnights budget as well to factor in my medical bill and also some extra entertainment expenses because my best friend and her boyfriend are coming down for the weekend and I need to do the tourist thing and show them around and that's going to cost me. I've also allocated a gift expenses fund because my work loves birthdays and nearly every week we get called on to "donate" money to presents this past fortnight I've been paying my donations with spare change I had in my drawers and not allocating it to my spending, but it's time to factor this into my expenses.
I would just like to note as well my rent is paid monthly but every fortnight I need to allocate the money out of my budget to make sure I don't spend it!
I was only planning to keep only the food, entertainment and gifts in cash however when I went to the ATM today I failed at maths and withdrew $210 instead of $190 so I'm still tossing up between going to the bank and depositing the money back into my account or just keeping the $20 in a cash envelope for the house fund category.
The one thing I am unsure about is how will I be able to snowball any unspent money from these envelopes? Do I keep the money in a jar and deposit back into my bank account when it gets big enough our do I cary it over to the next fortnights envelope? Has anyone else had any success with the Cash envelope system? Does anyone have any feedback or advice?
Thursday, March 17, 2011
Monday, March 14, 2011
Sunday, March 13, 2011
Thursday, March 10, 2011
Wednesday, March 9, 2011
2. Today I feel hopeful towards money.
3. Money can’t buy happiness. One free/inexpensive thing I did last week that made me happy was I cleaned my kitchen. Don't laugh but as much as I hate cleaning I love the feeling of a clean house afterwards.
4. I will consider this week a success if I..... I don't know right now.
5. My guilty pleasure TV show is Keeping up with the Kardashians. Yeah you're judging me, but I love them!
Tuesday, March 8, 2011
So one mistake I made when I was first getting into budgeting/frugal living was to bulk buy. I read so many blogs that promoted this method of saving food money that I became super eager and would always look out for bargains, I didn't consider that these blogs were written by mothers and couples, not by single people. For me it was a waste of money to buy a 2kg bag of potatoes for only $3 or the 2 for 1 carton of milk or the 1.7kg bottle of sundried tomatoes because I could never use them before they spoilt. I'd end up with a half full mouldy pile of tomatoes, sour milk and my 1.7kg bottle of sundried tomotaoes? I've only used 1 quarter in 3 months and they're starting to get a funky smell.
I'm not saying bulk buying is bad for single people but I'm saying its not the be all or the end all of frugal living. I buy in bulk my non perishables like flour, sugar, tea, UHT milk, canned goods. I have considered buying beans and brown rice but I don't think I could finish the rice before it spoiled and I'd probably get bored of the bulk beans and push them to the back of the cupboard. For fruit and vegies I go to the prahran markets or Queen vic markets and try to only buy what I need. This for me is living frugally and within my means.