22 May 2018

Increased my retirement savings

Our superannuation accounts are our retirement accounts and that is where we are now putting all our savings.We can both contribute a maximum of $25,000 a year taxed at 15%. This includes our employer contribution of 9.5% of our wages.

I redid my calculations over the weekend and I have upped my contribution by another $100 a week. That will take me right up to the limit that I can salary sacrifice. So a bit less in the paypacket each week but worth it for the savings and the tax benefit.


21 May 2018

Grocery Shopping

I'm in the process of changing where I shop for my groceries from Coles to IGA. Its much cheaper and the quality of the fresh food is really good. This weekend we shopped at both shops.

Coles

CC Points used - $40
Savings - $3.02
Total Spend - $65.95
Total Value of shop - $108.97

IGA
Savings - .28
Spend - $23.83

Total Grocery Spend - $108.97

For my $23.83 at IGA I got:

3 lemons  -  $1.35
small eggplant - .41
1.2 kgs zucchini - $2.88
1kg sweet potato - $1.66
1 bunch bok choy - $1.50
1 cauliflower  - $4.99
1 parsnip -  .54
Radish - $1.99
Sugar snap peas - $4.49

The diet I follow is the Specific Carbohydrate Diet and its quite restrictive. At times it gets a bit frustrating, but I get sick quite quickly if I go off it. I need to get back in the habit of cooking ahead each weekend so I have foods ready to eat when I'm too tired to cook after work. So this weekend I made up a nice big batch of zucchini and tomatos and I baked  almond and sultana biscuits. I still need to make soup and yoghurt for the week ahead.



19 May 2018

Budgets, shopping & weekend plans

Well my worry about the budget blowout with DH's glasses turns out to be unfounded. His workplace is paying for one pair of glasses as they were destroyed at work accidentally - I don't remember him telling me that but at least now the cost is more than halved so that is a relief.

My first payment came through from my extra work overnight!  That will certainly be a big help this month. I really hope the work continues till the end of the year.

This morning I'm off to Aldi to check out their sale on winter ski gear. I'm hoping I can get some warm winter clothes for our holiday at low cost and they have a sale on this morning on waterproof boots, jackets and fleece lined leggings and tops.  I need boots and a waterproof jacket and I do not want to pay a huge amount.

After that I'm off to Spotlight. I have a $30 voucher that was a gift and two vouchers for $40 off $100 spend. I need some flannelette sheets (own none!) and DH needs a new pillow so will get them at the sale. These vouchers usually come out about twice a year so thats when I stock up if I need linen or sewing things.

I'm looking forward to the Royal Wedding coverage over the weekend. Its lovely to have some good news on the TV for a change and who doesn't love a wedding!  As well as that I have a list of jobs I need to get done this weekend:

  • continue paper shredding - the end is in sight!
  • make yoghurt
  • make muffins
  • make soup
  • clean the bathroom
  • set up budget in BudgetPulse
These pics are from my walk around work yesterday.

18 May 2018

Budget blowout this month.

This is turning out to be a very expensive month! As well as some unexpected medical expenses, DH had to get new glasses. Its been quite a few years since he got tested so the script for his glasses changed and he also wanted new frames. Specsavers had a deal of two pair of glasses for $299 but then when his script was added in it cost just under $700!!  seriously... I was not happy about the price!  but whats done is done now - and the budget for the month is certainly in the red.

Fortunately we can eat out of the freezer and the stockpile for a few weeks which will be good. I've decided just to pay for the holiday out of the redraw and then pay that back. Once I get the holiday paid for then we can get back on track.

17 May 2018

Beautiful Autumn


I love Autumn, its my favourite season.  The temperature has dropped in the last week and there was snow outside of town just a few days ago. I've looked out the winter woolies and we're now into boots, scarves, gloves and coats. The town is filled with trees changing colour and it looks so beautiful. I snapped these pics just outside my office. As well as lots of trees there is a beautiful carpet of leaves and the bushes are filled with orange berries.




I live in a regional city but its still has lots of bush around the area where I work and they've kept the bush on the grounds so its a nice place to walk around. Yesterday we had three kangaroos hopping through the carpark in the morning. There is a family of them that live in the paddock next to my workplace so we often see them about. In summer there are brown snakes around so signs go up reminding people to be keep an eye out for them - mostly you just walk loudly and watch the side of the path for any movement.

I feel like I've been in a bit of a downer the last two weeks but its lifting now. Getting out of the office each day for a bit of walk around certainly helps, it reminds me how lucky I am not to work in a concrete jungle in the city.

Its been too cold to walk in the mornings so I need to get started on using the treadmill I think so I don't turn into a couch potato over winter.

What I want to get done before the end of May:

  • finish the paper shredding!
  • clear the kitchen table off
  • finish an online course I'm doing for work
  • prepare documents for tax time 
  • pay for holiday


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