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 ­čśé­čśé­čśé

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?