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January Extra mortgage payment

January 25th, 2011 at 11:31 am

$ 2000 - Extra mortgage payment
$ 415 - savings

However I withdrew $ 2400 for the airtickets. Yes, we (DS and me) are going overseas in March to visit my parents and in-laws and to attend my sister's wedding.
So that's an unexpected expense. But still they all want to meet DS, as they haven't seen in the last 3 years.

2010 Goals revisited

December 19th, 2010 at 02:37 am

Sorry guys! I had been so lazy these days! No blogging but visiting all your blogs whenever I get time. Now I am on annual leave until 5 Jan 2011 and no school either ; I will blog regularly in 2011 ; I promise!

My Goals
Finance:

( ) Find a well paid permanent job - Got a well paid but not permanent

() Pay atleast $ 10000 extra payment towards mortgage by end of 2010 - Done!

Extra payment made = $ 19,126


) 10% gross salary towards superannuation : Nil

( ) Increase the EF from $ 5000 to 10000 - Done !

EF fund saved in 2010 = 12000

( ) Buy an investment property ; save for the deposit

- Not yet. But planning to renovate our inherited property in early 2011. May be we will take $ 15000 out of our EF for the renovations which will bring in some rental income from mid 2011. Wish me luck!

Others :

( ) Finish studies - Not yet! May happen in mid 2011.

( ) Spend more study time with DS - Not as much as I planned. But spending extra time during weekends and holidays.

( ) Attend seminars/training for career enhancement - Half done! My employer has sponsored me for a Management online course which will cost around $ 7000. I'm so happy with that! Will be spending around 8 hours per month until July 2011.

I wish the following goals happen in 2011

Pay Extra Mortgage - $ 35000

Start a Holiday Fund - atleast $ 4000

EF fund savings - $ 10000


Happy Christmas everybody!



Yesterday's expenses

July 1st, 2010 at 07:09 am

School holidays starts next week. Just to keep my DS busy, I bought some stationaries, some colouring books, colour pencils, erasers, half a dozen pens, etc., total spent $ 40

5 pairs of socks for DS - $ 12
2 packets of biscuits - $ 5
Cup cake - 2.90
Baklava (for me) - $ 2.90
Kids multi - $ 22.50

Grand total - 85.30

Expenses - Last two days

June 24th, 2010 at 06:21 am

Yesterday we (me and DS) went to see the doctor. DS has got itchy skin in his legs and the skin is getting darker day by day. The doctor said either it could be dermatitis or some other fungal infection. Anyway we will get the results early next week. He has prescribed a cream, which we have it already, and kids under 16 are bulk billed by our GP. Therefore no expenses, but hangon we did spend some money. We bought a snack box chicken (KFC )and a cup cake totalling $ 6.45. Then I bought some groceries.

Yoghurt
Dip
Chicken nuggets - 2 packets
Total $ 22

Again today I went to MYER to use my gift voucher which is going to expire soon. But I found nothing for $ 40, well nothing upto my expectations. So I went to Target to buy a coin purse for DS and spent about $ 23. (Ok, I agree it is an impulse buy)

Coin Purse
Nice grey colour scarf
Glove for DS


Then at BIGW
Drinking chocolate was on sale , bought one and saved $1.00

Mini Spinach and feta roll - $ 1.80

I don't know why I am spending without any income. I must control myself

Today's expenses

June 15th, 2010 at 11:31 am

Priceline

Night cream - $ 14
Hair colour - $ 14
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Eyebrow waxing - $ 12
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Kmart - $ 5 ( DS TShirt; with 40% off)
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Bus ticket - $ 24.50
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Woolies - $ 11.40
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My First blog

June 3rd, 2010 at 01:56 am

Hi there

After reading all your blogs for nearly two years I got inspired and started my own. Until 21 May I was working full time and studying part- time, struggling with my work and life balance. I took a very bold decision to quit my job and complete my qualification in finance. I strongly believe I will get a well paid job once I complete my studies. My husband works full time (academic) and we don't have any debts except the mortgage.

My favorite blogs:
Whitestripes
Monkey Mama