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?

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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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Having a baby on a budget-#2

There are no two ways about it having a baby is expensive. However, in my experience, there are some cheaper ways to do things.

We were given so much for our baby. We didn’t have a baby shower, as I really don’t like them, but we had plenty of generous gifs when she was born and also lots of people gave us second hand items.

My suggestion is borrow, use second hand items from gumtree and ebay don’t be snobbish. Some of the toys may be really faded but if it proves to be a favourite you can always go and get a nicer one knowing your money will be well used. Milly gets through toys fairly quickly and I love to be able to use them and then sell or pass them on without regret. I did choose an item I loved and got this new ( the jumparoo) but I got it on half price sale so it was a bargain and would resale for what I paid anyway.

We were given a lot of items or sold a lot cheap and second hand this was brilliant. I had no qualms if I was so sleep deprived and she had done an almighty poonami just binning an outfit if I knew it had served three kids. It also helped having back up clothes if you didn’t make it to laundry and she had pooed and spewed her way through six outfit changed that day! I have just been through all of her clothes and made a massive pile to pass on to pregnant friends ( what goes around comes around). I did buy, and was given, some more special clothes all of which have been saved away incase the next baby is a girl and if not will be sold.

For Christmas we knew she would get a lot of smaller toys so we put all our money into a larger, good quality toy, which would last. Again, we got it on sale.

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We also put away some toys from birthday and Christmas and every now and then I put some away and get new ones out… Also people often ask what she would like. I had a list. I hate it when people specify actual items as, in my opinion, a lot of the joy is in choosing, but I offered an area… bath toys, books, outdoor toy etc that way you have a variety.

Baby food is pricey. Milly has home made with recipe books you can get from a charity shop ( mine were a gift), I try and do homemade at home and shop bought pouches when out. I pick these up when they are on special. Some days its too hard, I haven’t heated/defrosted food in time etc and in that case we use a pouch… honestly you can only do your best.

Look at smaller ways to treat yourself. A monthly beauty box, bath bombs, a book. Time is often short and money is less. Each time I sold items I rewarded myself as well as her with a little something. You need to feel good in yourself as a mum too.

Finally, I would say in my experience. Try not to stress it. Milly has great stuff and spent yesterday in a nappy playing with a box and old waterbottle! be inventive people didn’t used to have all this stuff. Also, be realistic. IS everything  really worth selling? I prioritise what I sell and other stuff is passed on or sent to charity. I wouldn’t have time to sell everything and I really have found by being as generous as we can to others it really does come back around.

ANY BABY BUDGET TIPS FOR ME?

Thoughts of late #3

Well, I need to get back in the game. My sugar dodging ways have slipped, since my birthday, and although I am eating way less than I was I still feel sluggish. It also speaks to me again, I hear bakeries calling, and I loved it when they didn’t so I am doing a final two week no sugar push. Then I am going to enjoy some fruit! I have learned so much this last few weeks I will write a post about it.

I am still enjoying life and have been working on a few projects. It’s not ready enough to share on here but I am so excited about it all. A bit of a final push and the ball may get rolling!

I need to look into support financially. If I am not returning to work, which looks likely for now, then I think we would be due some government assistance with the baby. Next weeks jobs!

I am loving Kayla and finally, next week, having finished the pre workouts I start the proper program! Working out this way really suits me and my current life!

I have had so much coming through my letterbox lately sometimes I think doing a YouTube video may be easier!!! What do you think?

After my post when life throws you lemons, I can confirm we are super happy with decisions made and where we are at…. Let’s not stress about what we can’t control.

But let’s continue to cut back where possible. Foxtel…. Gone, back to base monitoring… Price halved, life insurance etc,… Reassessed and reduced as I am not earning, centre link…. Being visited, stuff going on Gumtree!

Also, I think I have a good grasp on what I wear post partum, as a mum and also when pregnant now. I don’t like clothes which make me feel mumsy. Clean, simple clothes with a pop of colour, studding, leather or something a little edgy and I feel good. Frills and flower prints get me down. Time for a clear out and eBay sale me thinks!

how are you all feeling? What’s new?

Having a baby on a budget- #1

Over the last year I have learned a few things about budgets, babies and now we look set for me to potentially not return to work I think its time to write down some of the learning to share with folks.

So you find out you are pregnant, holy bejeezus, time to freak out! Actually its a time to be really happy, but also to acknowledge life is going to change A LOT!.  First up, in most instances, you have 9 months to get straight and prepared. This advice is not about having a baby on a super tight budget it is about having a baby on your budget. So first thing have some conversations. Our conversations revolved around, our thoughts for the future; would he be working?, would I be working?, would he be working away? For us we hoped that I may be able to work part time, IF I WANTED, and he would be working at home a lot for the first year and we would review.

Once you have an idea of long term income, work out what your budget it. We always base it on worst case scenario ( or lowest income scenario) for us this is him working, from Perth and me at home. Then work out your outgoings and see if they meet the incomings. For us they didn’t!

We then worked on reducing outgoings, we combined insurances saving a few hundred each week, made sure we had all insurances necessary ( after all you will be responsible for a little person so you do need to be sensible), moved our house to a more competitive mortgage, spoke to people about bills ( our back to base monitoring just halved our bill when we mentioned not requiring it any more) and generally know where your money goes.

Now it was conversation time again, once bills had gone out it was time to look at food and try to plan and shop more sensibly which I have written about before

We also didn’t want to have any arguments around money. He likes a beer, playstation games and I like makeup and clothes so we each had pocket money each week. This is used for food not from the kitchen, trips out and our chosen indulgences aswell.

Then talk about other expenses. We placed an importance on keeping me fit in pregnancy so spent money on pre pregnancy exercise and physio. We also had our baby privately which we thought was a good use of money.

The luxury of doing this early meant we had 9 months on both incomes to practise, because you wont get it right straight away, we actually saved a lot of my salary which meant we had a buffer. This buffer was money we could both decide to spend on items- we are coming to the end of it now but bought baby nursery items needed, paid for the birth and health care, a new bigger car ( bought outright) and we had the house re insulated and cladded ( which means we can stay here for another baby). It has also meant a relatively stress free first year of Milly’s life with a mum at home full time which in our opinion was priceless.

How did you prepare your budget for a baby?