Tag Archives: budget

Finance

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.

Extracurricular, Fashion Victim

The Dress Project – part 1

8 Comments

Inspired by Project Runway, a colleague and I are determined to learn how to sew and even – you know – make something.

So today I went to a fabric shop in Subiaco and picked out a pattern and with the help of the shop assistant got all the bits I need to make it (talent not included).

I found a whole list of patterns and this one was set aside as being a little more difficult for a rusty seamstress but hey what’s life without a challenge eh?

I also chose a slightly stretchy fabric called… well it sounded a bit like Bangalore but I don’t think that’s it.  Stretch makes it a bit harder.

And after the fabric was cut I realised I also needed a lining fabric and that’s not stretchy so it will probably all end in tears.
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At the moment though I’m quite excited by the challenge  – I haven’t sewn a dress from a pattern for years, probably since university, which would make it about 1987!

I’m the sort of person who loves to do the odd crafty thing but rarely stick at it.  So I have knitted one jumper, made two teddy bears, that sort of thing.  I also get bored easily so the task has to be challenging which is why it wasn’t just a jumper but a jumper in a dinasaur pattern.

So far this project has cost me $56.

Not sure if it’s the most economic way to get a new dress but we’ll see.  🙂

Blogging, TV, Wordpress

Big Brother is not watching you (for much longer)

It’s over. It’s (relatively) safe to go back to your television sets. After the final early next week BB is closing up shop in Australia. I, for one, am over it. Even the die-hard fans in my office haven’t bothered tuning in.

As TelevisionAU points out – given that BB couldn’t even attract more viewers than Wayne Swann delivering his budget speech (okay it was his first one) – it is not really that surprising.

Wayne or Travis? Australia chose Wayne on Budget night... not Big Brother.
Sorry Travis, you and your boring band of followers failed to distract Australians from a night in with Wayne.

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I like the plug-in page revamp… haven’t really played with the other stuff yet but I can tell you that the word count is 182. 🙂