Money chat

Let’s talk money! Right now I am a little nervous, although in some ways we are in a good position with me doing some part time work and my husband working away the last few months have been a challenge. I have to add we are in a fortunate situation and doing ok with money but we could do better, and if we don’t reign it in could be a lot worse. Through roster changes, sickness and other likes we have ended up earning less than standard. This has resulted in a bit of a credit card bill.

$4500 to be exact.

Now $1500 was a deposit for the new built in robes which we will use my tax return for.

$500 was for payment for car mechanics as a result of an accident which is being claimed back. Note done!

There are also a few medical claims I need to lodge. Must do this.

But the rest is just spending. We have budgeted this year for our tax returns and mid year bonus and money from selling a car to go towards certain items- namely renovating the house, the birth of the next baby ( we are private) and having a savings buffer of at least $10k.

It’s not that we waste a lot of money, honestly we don’t eat out much, we don’t shop heaps but things do slip through the net. So I am challenging myself to a $150 shopping budget per week ( sounds a lot but this includes cleaning products, nappies, toiletries etc) or $100 if possible. I plan to do this using meal plans and using up items in freezer and cupboard. I may even start posting a meal plan here. I plan to start keeping track of this by using a cash in envelope method.

I have been treating myself a bit, mainly to beauty products, and whilst I don’t regret these purchases they need to stop. Each week the husband and I get pocket money to spend as we see fit. I am going to try and save at least half of mine ($50per week) and put it in savings for a new wardrobe in a year or so once i have reached my ultimate post baby goal. Again I plan to use a cash in envelope method for the money I can spend and not touch the rest. Into my savings account I will also put money I make from selling any items I am not truly going to use on eBay. Any beauty products I have got and never used I may also sell.

Honestly we are pretty well set up our supers are in order, we have insurances and we pay a little extra on our mortgage every time but now my husband works away our goal is to
save routinely from his paychecks ( however little). In not getting accustomed to the money we are not tied to a fifo life.

Whilst I know we only are on less for a period of time until I am back to working full time in a couple of years. However, that doesn’t mean we are in stalemate right now- no siree we can still creep forward at the pace which suits us at the moment!

Are you budgeting? Have you got savings goals?

July goals

Here are my goals for July. Last month we did lots but I also slipped a lot. I went back to work and milly and I have, so far, handled the adjustment well. I am out of the nasty first trimester and feeling more energized and less sick so ready to get on top of health and diet. I also outlined spending goals, good lord I have products coming out my ears, I need to stop buying and get using and reviewing!

Goals

Save my pocket money in my savings account for post preggie wardrobe.

Workout 2 x weekly, plus a class and at least 1 long walk as well as shorter walks which don’t count.

Track points and stick to good choices, I know I am pregnant but I have obs approval to watch what I eat carefully this time.

Keep working and do a good job and hopefully get contract extended.

Keep up posting a little more.

Organise our finances and get us in a structured, regular savings plan.

Eat through the cupboards and freezer using stuff up. Only supplement with butcher and grocer! #challenge

Our new robes are going in so I want to actually organise my way through everything and potentially do a yard sale or car boot sale.

Pack away lots of items which I love but are not for pregnancy and I will look forward to again when I am smaller afterwards!

what are your monthly goals?

Scented candles

I love scented candles. I always used to be a fan of the cheap as cheapo ikea and Kmart varieties and have them constantly burning. Now I am a little more fussy. Here are some of my current ones with my thoughts.

Yankee candles popular the world over. I bought about four of these half price when I was pregnant with milly. I have barely used them as they make a black smoke and I just don’t like that. I also think the fragrance is slightly synthetic smelling so wouldn’t bother buying these again.

Neom organics I was lucky enough to get a travel candle for Christmas. I like these they burn nicely and smell great.

evaglo candles are insane. These soy candles smell so good it’s outrageous. As they melt you can use the liquid as a massage oil to moisturise skin! I love these so much. Expensive but locally made and to be honest at the rate I burn candles now ( not fast with small grabby hands around) I would prefer these.

I also have a engraved Jo Malone candle which is such a special wedding present as it is from someone who has since passed away. I think whilst they smell amazing until I am a millionaire I will burn this sparingly but will always replace the rose candle with the engraved top as when we do it is normally a special occasion, with a. Glass of wine, just the two of us and I know the giver of the gift would love these moments. I always think of her when we light it and remember her and I know she would fully support some down time with wine or bubbles and just enjoying being us! A memory of our wedding, us and a wonderful lady.

Finally my latest candle is a ecoya again a soy candle I was lucky enough to get this as a anniversary gift. The scent coconut and elderflower is just delicious!

What candles do you love and why?

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Life lately

Life lately and thoughts of late

A smashed Pyrex dish with that nights lasagna in it- devastating

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I ordered a lip gloss from strawberry net to get free shipping. Anyone else feeling a bit old for gloss? Or that it may be a touch dated?

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The Priceline goodybag was insane I am so happy I made an effort to get one.

I started back at work two days a week. Milly was fine with her dad, next week she is with a sitter for a day and I hope that goes as well. I am loving being back, my confidence which I felt seeping away came flooding back and I feel good about working again!

I have pulled out my old maternity clothes, sorted them through and am washing them ready to wear! Second time around this bump is steaming ahead and popping out further what feels like daily.

Reading- finally reading again. Philipa gregory and also victoria hislop are in my to read pile.

Self care- taking time to eat well, moisturise, exercise and look after myself. After a few months where tumbling into bed was all I could manage I need to work on these things being mandatory and habitual!

Maximist- I love the concept of minimalism but sometimes you just need to spend and try everything so you are confident your capsule contains the best. A project pan 65428 sounds appropriate about now 😂😂😂

We hAd a lovely weekend down south at busselton it was just what we needed. Anyone travelling with a young family I highly recommend the bay view in busselton. It’s so easy and they have great winter rates. Now I am back to ticking off jobs, work, life, renovations and just getting a stuff done before the baby arrives! I know it’s ages off but we have a house to rearrange, old furniture to sell and lots of big ticket jobs like that.

Making good choices. Now my first trimester sickness has passed I need to get applied to making good choices daily. No more treats, just good clean eating!

Saving- we need to get saving routinely again! Haaaa stop small splurges and get frugal again.

where are you all at lately?

Freedom london

Yet more budget beauty. My quest for budget beauty continues and this pretty little lot was delivered to australia for around $60

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freedom makeup is a new launch which I had seen being tagged as #macforthemasses whilst I am not a huge fan this really reeled me in. Imagine such quality products at affordable prices!

I chose two bronzers ( animal print), two blush and highlight kits, an eyeshadow pallette and three lip butters. As always I am not planning to swatch everything but just show you some items on the face and have a general chat about them. So far I like the products, they smell nice quite powdery but nice, the eyeshadows feel a bit more creamy than I like and half of them are more glittery ( not glitter though as I hate this) and the other is a perfect everyday slight sheen. The blush and highlight kits are just lovely so much selection and honestly gorgeous colours these are complete winners for me. I have used the setting spray and will continue to do so and so how this affects the staying power of my makeup.

One product which has really suprised me is the lip butters. These look like a gloss in packaging with a wand applicator but are much more matte. They have a fairly sheer but build able colour and I really like them. Your lips needs to be in good condition but I think they are really wearable, non sticky, and a nice alternative to gloss.

Have you tried freedom london? They currently have 20% off if you sign up which takes the bargains to even better value. I would definitely recommend the blush and highlight palettes, shadow palettes and lip butters.

Here are a few pics of my ugly mug wearing some of the products. If you want proper swatches shout!

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Today

Today has been one of those days. The sun has been shining, milly has been so happy, my husband is home, we shared looking after her so he had time to renovate the house and I hd time to work from home. I sat in the sun with my daughter and my bump and freshly laundered bedding blew in the breeze on the line. My husband and daughter happily went for a afternoon walk around the duck pond whilst I worked from home in the sun.

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Pretty bloody amazing and textbook. This would probably be a really popular post if I didn’t tell you the rest of the picture. Today was awesome but my husband was home as we have all been sick ….. For weeks. Today is the first day all three of us have felt good. The sun warmed my skin and bones and I didn’t feel like my head was going to explode with gunked up sinus pain. My laundry was done but the house is not clean. It’s surface clean but not clean clean because what is the point when we are midst renovations and more dust is generated daily. After all the shocking events of the weekend we are reminded life is not perfect but if those sheets blowing in the breeze can make you smile, small feet walking round a pond shouting duck can make you smile and curling up for ceasar salad and chicken wings whilst watching the voice with your husband makes you smile then smile on… If you don’t smile at the small stuff today you may not get a chance to tomorrow.

I am sad about the loss the world has suffered this weekend but I am going to smile at the small stuff daily for the people who can’t.

are you sad? What small things make you smile?

W7 cosmetics

Forget minimalism lately I have been loving budget beauty. Without all the extra cash of two incomes I have been diligently applying myself to trying some brands I normally overlook! W7 came to my attention because some of the products appeared to be very similar to some higher end faves of mine. Available from chemist warehouse I think W7 is actually a uk brand. My only gripe is lack of availability of all items- there is more I would love to try.

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I tried the flirty lashes mascara. I felt this had a similar brush to benefit they’re real but for me did not perform as well. I liked it and thought it was great for everyday but it wasn’t quite as good. I have heard absolute lashes is a much better dupe and I will try this when I see it.

The honey queen honeycomb blush looks really similar to a lot of benefit blushes. I don’t like to pay high end prices for cardboard package as it can look ratty quickly and doesn’t travel well in my opinion. I really like this blush for a soft, subtle daily look with bb cream and lipbalm.

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Alternatively with a statement lip where you want blush which won’t clash!

The gel liner is excellent in my opinion. I am more of a liquid liner girl but this stuff doesn’t budge all day! Winning I have been reaching for this more and more. Very black in colour and good longevity.

Finally the looser, for me, the light diffusing concealer is a bit lumpy, dry and chalky and I just don’t love it!

what W7 products do I need to try next?

Benefit

I had a massive spree! When I left my previous job I was given a voucher for myer. I had said I would get milly something nice but my husband said no treat yourself. I was going to get clothes but as I am pregnant again I new that wouldn’t work so I popped to benefit.

I like benefit products, have a history of using them, think they are cute and quirky but also pretty expensive for what they are. That said I really like some of these things!

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I chose rollerlash. After trading in some old curlers for a trial size of this I was sold and honestly it is worth it. I have no doubt a series of cheaper alternatives will become available eventually but for now this is the ducks nuts!

The three tint balms. I was going to just get a cha cha balm but there was so little price difference with these sets I was sold. I’m actually really glad because the cha cha tint ( which is more coral) is my least favorite with a preference for positing (pink) or benetint (red).

I bought the cha cha tint for my cheeks. (And lips) and really enjoy this. Historically I have had benetint and I got a small positing in a Christmas set but I really like the coral colour of the cha cha to walk your face. As with the others you have to work quickly but it is long lasting and natural looking. It is very build able for a bold lip if that’s what you are after.

Finally in my xmas set I got a small high beam and had been really enjoying this to make me glow. I fancied the sunbeam to accompany the warmer cha cha tint but when I tried it the glitter seemed more prominent than in the high beam and less finely milled. I didn’t like this I want sheen not shimmer. I explained this to the assistant and she suggested watts up! Traditionally used under foundation when used as a highlight over it provides a lovely subtle but slightly warm sheen- I really like it.

These were my buys. They threw in a few samples including they’re real push up liner. This lasts amazingly but I don’t know if I love the applicator.

what do you recommend from benefit? Are you tempted?

Lately

Lately I have been pretty evasive, I have tried to kick goals but I have been exhausted and the couch has been calling. I have done my best as a mum but there have been times when dinner has been sandwiches with chopped tomatoes on the side and biscuits. I have tried to stick with healthy eating for myself but all I have wanted in white carbs. I have honestly only had the energy to focus on jut muddling through and doing the best I can. Like a butterfly emerging 12 weeks have passed and I feel much better again. I may not have been perfect but I have been working on the best gift, in my opinion, you can give a child. A brother or sister. I am sure she will forgive me a few vegemite sandwiches for dinner to have a playmate for life!

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Do you ever have times in life where you just have to do what you have to do?

Things of late

Here are things I have been loving/ thinking lately

1. We need to get on top of finances and tighten up. Whilst not in a bad place we could try harder.

2. Have you heard of food revolution ? I had their maxi box delivered and it was so much fruit and veg for $50. I am impressed and will use them weekly with a monthly supermarket delivery to save costs.

3. I have christmas money still left and am planning to get new lululemon run inspire crops ( x 2) and a cardy from jeans west sale. Also there are a few beauty bits I have ear marked, but for now I am waiting because of no 4.

4. For my 21st birthday I got a Gucci watch. I have worn it almost daily for over 10 years. I love it. It broke. I don’t think they sell them anymore. I hope it can be fixed, if not I need a new watch.

5. Who do you think you are? Best tv show ever!

6. I have a sick munchkin and I hate it. Let me be ill for her.

7. I am ready to organise my house and feeling motivated.

8. I am motivated to watch my diet and exercise also- lets do this!

9. Minimalism is back on the cards.

10. I have three new books to read over the coming few weeks/ months

What are you loving/thinking?