19 Jul 2018

Gas Bill

This morning I got the gas bill. We have gas cooking and gas hot water.  Our bill came in at $193.11 (for 3 months), so thats $2.12 per day.  Our average daily use is 42.61 MJ, down from last year at 44.52 MJ. We've reduced our gas use by 4.29% for the same time last year which is really good.  So our bill is $50.62 in credit.

The last bill I had 3 months ago was in credit almost $250 so I put the regular payments on hold. Now that its down to $50 I'll restart regular payments so it stays in credit.

Yesterday on the way home from work I was so tempted to stop and buy some chips and chocolate! But instead of that I rugged up and went for a 45 minute walk. I felt good for doing it and I do need to get moving again so it was good to make a start.

18 Jul 2018

Mid Week Musings...

Its been lovely and quiet at work, I've really enjoyed the chance to clean out cupboards and get (almost) fully caught up with my paperwork. One person has left our team so their work will fall on the rest of us but since they were a very unpleasant, difficult person its almost worth it to not have to put up with them!

We have slate floors in most of our house instead of carpet. In this very cold winter we are having its cold walking on the floors when you get up in the morning or be in bathroom in the mornings. So I've decided that this weekend I'm going make a few rugs for the floor. I have quite a few old towels that are getting a bit bare and holey and a huge fabric stash. I'm looking forward to having a weekend DIY project for the house!

Speaking of the house, its in real need of a lot of work. The gardens are overgrown and a lot of the shrubs need pulling out and trees need to be removed. Most of it is still the original gardens planted 30 years ago. And once the garden was stunning. But as we both got various injuries and money ran out when we both lost our jobs, spending time and money in the garden just didn't happen. The yard looks terrible and is filled with half finished projects. So I'm trying to make a realistic plan for what we can accomplish to improve it over spring/summer, starting with just pulling out all the old, dead shrubs which will take me a while.

I always find the second half of the year easier to get through than the first. Work settles down a bit from the chaos of first term, and I take my holidays which are about 9 weeks away. This year I am taking 6 weeks off so when I get back its just the run down to Christmas. I'm feeling quite positive about how we're progressing towards our goals for 2018 at the moment!

15 Jul 2018

Coldest morning in 27 years!

Well this morning records for coldest temperatures have been broken all over the place!  Here it was the coldest morning in 27 years at -8 deg C so we've been rugged up all morning till the sun finally broke through just after lunch.

Its the weather for a hearty beef stew and so I have one simmering away in the crockpot - it smells great and I'm looking forward to dinner tonight.

Yesterday afternoon I did something I haven't done a few years. I spent an hour soaking in a nice hot bath, listening to an audiobook. It really did me good - I felt so relaxed afterwards.

I have missed having the energy and time for myself that I had when I wasn't working. I'm trying to take time to do more nice things for myself that aren't expensive. As an introvert I'm very happy just spending time at home reading, sewing, watching TV, gardening, crocheting and crafting. I don't feel the need to go out and do things on weekend or after work.  I'm quite happy at home and can entertain myself easily. I'm sure my life looks quite boring to others but it suits me very well.  I find I have nothing to contribute to the Friday and Monday conversations about what people are doing on the weekend.

Are you happy being a 'homebody' or are you an extrovert who likes to go out and do things?

14 Jul 2018

Back to the Dentist!

Dentist.1 I just got back from the dentist where I had another filling done. The cost was $210.  I still need to have the X-Rays of my wisdom tooth done to check whats happening there. If there are no problems with this filling ( it was quite deep) or my wisdom tooth then I am good for another 12 months.

I am very fortunate to have a lovely dentist who is very good with people get anxious about dentists visits. When I was growing up I had a few bad experiences with dentists. As a result I avoided going as the anxiety would get so bad I'd be sick. In my mid 20's I ended up needing fillings removed and replaced and a few teeth pulled due to my avoidance. Not long after that I found my current dentist and I've been with her ever since. Now I do still get a little bit anxious but its not too bad and get my checkups regularly.

So I have my fingers crossed that I don't need any more work done.

After my broken tooth and amalgam leakage, I did a lot of reading about dental products and I changed from regular tooth paste to the OraWellness products. I can't believe how much cleaner my teeth feel. One night I used the regular toothpaste and the taste in my mouth when I woke up was awful! I will never go back to regular toothpaste again.  In a few short weeks the OraWellness products have reduced the infection and inflammation around the wisdom tooth and got rid of any plaque that was on my teeth. I'm really impressed with how quickly they have worked.

Well, as I'm writing this the anaesthetic is starting to wearing off and it all feels reasonable so far. Its absolutely freezing here - 3 deg C - so I'm going to stay inside and keep warm while I work on sorting these papers and setting up financial files. DH is just heading out the door for a bike ride - its got to be rain or snow to stop him! 

13 Jul 2018

Killed the credit card

The credit card is now fully paid off. I ended up just paying it out from the redraw to get rid of it. Although it puts the redraw balance up a bit, I'm just glad to have it paid off. Now I just need to not use it except for travel or emergencies.

The mortgage interest was $487 this month - its finally under $500. This morning I've made an extra payment of $1500 which takes the mortgage balance down to $145,367.

I have my tax almost ready to go to the accountant but yesterday in the mail I got a GST form sent about my SMSF. This makes no sense at all as my super fund is being wound up and there is no GST on savings - its very confusing, so I have to try and chase that up today and work out what is going on.

 In the meantime its really cold here at the moment. minus 3 degrees C overnight most of this week and its only going to get colder. When I retire I think I'll join the grey nomads on the annual pilgramage to chase the sunshine!

11 Jul 2018

Killing the credit card

A few quiet days at work  and few good nights sleep and I feel quite energised this morning!  I've been up cleaning and sorting out paperwork this morning. Today I need to ring up and try and sort out these missing rates payments.

Its time to really tackle the credit card which we were using for points and to leave money sitting longer in our offset account to reduce interest. I've reached the point where I just want to stop using it for day to day purchases. The reality is that I spend more easily, and lately as I've been tired out, I've used to too much buying snack foods and coffee etc.

 So this morning I have removed it as an automatic payment for anything (paypal, a few subscriptions & online shopping sites). I pay off the last months balance each month, so that means the credit card should be at $0 by mid August. Then it will only be for emergencies or travel.

To Do List for July:

  • get completely caught up with paperwork at work
  • finish eating out freezer and defrost
  • complete decluttering in lounge room
  • sort paperwork on kitchen table and clear table
  • set up new files for finances 
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