As the sun set

Sunday afternoon

Just wanted to share the photo really.

It was such a beautiful Sunday.

I got up early for rowing and we rowed all the way to Barrack St from UWA, which is further than we’ve been but probably not that far.

Dolphins were seen.  Well.  One dolphin.
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And marathon runners.

In the afternoon we did the grocery shopping and on the way home I made Groover detour to the beach.

Gorgeous.

 

The closet accountant

Say it isn’t so… and yet…

A distracting photo

And yet I find myself BORING people with my new budget.

I have never budgeted before.

Never.

The only reason I am not bankrupt is that I’m married to Groover.

He understands money.

Our deal is Groover pays the mortgage and I pay for groceries and household bills.

I spend ALL my salary. I am paid a reasonably good salary and I spend it all.

At the end of the fortnight, I have maxed out my credit card limit – kept at $2000 – and spent my whole salary.

No saving for big bills coming up. No saving for holidays.

Just spent on bills and groceries… with the occasional panic that I can’t pay a big bill.

It’s not that I spend much on myself.

Nay I rarely do.

I don’t have a thousand pairs of shoes, a ridiculous number of handbags, a ginormous number of knick knacks around the house.

It just goes and I rely on my tax return to get by.

My kids save more than I do.

But like a lost soul saved by the happy clappys – I have become EVANGELICAL.

Yes friend, I BELIEVE in the power of BUDGETS!!!

Praise be!

*double dream hands*

A couple of months ago I decided enough was enough.

I should be able to save on my salary.

I am a grown up.

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I threw money at the problem and bought a piece of budgeting software.

Now I’m sure you can budget without software… in theory.

I mean, people did right?  Before the interwebs??

But I clearly needed help.

I bought YNAB – stands for You Need A Budget – because clearly I did.

And you know what? It bloody works!!

I am saving for the first time in my life.

I have have money being put towards the big rates bills coming up in September.

I have a $0.00 balance on my credit card, and money in my cheque account.

And it’s not even pay day!

Not only that but I bought myself an iPad.  A piece of frivolous spending I would NEVER have done when not on a budget.

This my friend IS A MIRACLE.

Don’t ask me how it works.  It just does.

The deal.

I give every dollar a job.

I then change my mind and rearrange the dollars.

In the software I never overbudget, and I always move money around to make sure it is ALL GREEN.

It is magic.

So my friend.

If you have never budgeted, thought it wasn’t for you, whatever, DO IT.

You don’t need the fancy software I am sure.

But the four rules that you will find at YNAB will help.

And they give those away for free.

Cigars and Stories

Where have I been?

Well its been busy and I have been a poor correspondent.

So this post is a catch up on stuff… and I won’t get caught up in trying to put things in order… you’ll just have to roll with me here.

OMG so good

It’s been a week since I caught up with my Brisbane colleagues and went out for an amazing meal at Cutler and Co in Melbourne.

The food was amazing… those little ‘cigars’ were filled with foie gras, which I know is not particularly good for the goose, but tastes amazing.

The cigars were one of the ‘surprise’ courses.

The wine was even better thanks to the superior judgement of the two in charge of the wine menu and I was quite glad that I didn’t see the prices so that I could enjoy the wine without the taint of “OMFG How much???!!”  You know how it is.

It felt good to be in the Queensland gang and I am still chuffed I was included.

What a sexy cycling get up

Okay this was a couple of weeks ago when Groover joined me in Melbs for a dirty weekend.

We went to Lygon St to catch up with The Cuteness (see below somewhere) and then picked up bikes at the share bike station, bought a couple of helmets at the local 711 for $5 each and cycled our way through the CBD back to the hotel.  Great fun and good value.

The helmets are good quality and we squeezed them into our hand luggage for use at home.

Not that we have bikes but you never know when they might come in handy.

The cuteness

Enough said.

This is my niece.  She is very gorgeous.

Foggy Melbourne

I hadn’t seen foggy Melbourne before.

At Pony Fish Island

We went to this little bar which is on an island in the middle of the Yarra.  Very groovy.  They even serve mulled wine there sometimes.

Brisbane sunshine

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This is the week before in Brisbane.

The view from the training rooms at the office.

Great view huh?

In full flight

A week after the bike riding back in Perth, we go out with some friends to see Ira Glass and This American Life in the cinema.  If you missed it, you can hear what we saw here at This American Life.

It was a great show.

It underlined to me a couple of things… one:  how distracting the visual can be!  David Sedaris dressed up as a clown for his story and I don’t remember the story AT ALL.

Two:  How telling stories without notes is SO MUCH BETTER than watching someone read.

I am going to aim for NO NOTES in future.

It is one of the very impressive things I’ve always noticed about Colin Barnett btw.  He must have to give hundreds of speeches and I’ve never seen him with notes.

And for those freaking out that I’ve mentioned a person from a political party – I’m sure it is not because of the party he represents.  He’s just a good public speaker.

After the film we trooped around the corner to a little lane way bar called Ezra Pound.

It’s a tiny bar full of mismatched furniture, with a limited wine and even more limited food menu but it’s cute and groovy and a little bit hip.

I felt very much in-the-know taking my friends there…

We told stories, drank wine and beer and ate some pretty sexy olives.

My new office

When I got back to Perth I had to find somewhere to “live” at work.

I’ve been seconded to another position for a couple of months.

So I now have an office.

Very exciting and a bit lonely too if I’m honest.

Apart from all that.  Not much storm damage and all family well.

Out and about in my New York coat

Rainy night in Melbourne

In Melbourne for a training course.

The forecast is for 14 degrees every day, except one which is 13.

Freezing for a Perth girl and I’m very glad to have my New York coat bought after being stranded in Vancouver in their worst snow storm in a 130 years (although it was worse in Victoria BC).

The snow was thigh high.

I was 5 months pregnant.

Planes weren’t going anywhere and we only had hand luggage.

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I became quite attached to the coat and with reluctance handed it back when we got back to the airport.

The first thing I bought in New York was my own coat.

Now I live in Perth so the opportunities to wear my coat are limited.

And… it looks a bit like a dressing gown.

But I am so glad of it here in Melbourne.

UPDATE: And I haven’t stopped wearing it. This week in Perth the weather has been dire and my coat is my new best friend.