... and they will cost $560! I've been getting headaches at the end of the day for a while now. And I notice my eyes are 'tired' after working on the computer for a few hours. I just put it down to being a bit stressed and working long hours lately. I did notice that at night when I drive home I was a bit 'squinty' but again I just put it down to tiredness at the end of a long day at work.Budget Buster: I need glasses!
... and they will cost $560! I've been getting headaches at the end of the day for a while now. And I notice my eyes are 'tired' after working on the computer for a few hours. I just put it down to being a bit stressed and working long hours lately. I did notice that at night when I drive home I was a bit 'squinty' but again I just put it down to tiredness at the end of a long day at work.Posted at 3:52 AM | Labels: budget buster, health | 7 Comments
Frugal Fun: Bushwalking!
We walked for about an hour through the bush, heading downhill towards the valley.
These bushes below are known as black boys. The bright green of the leaves was a stark contrast to the burned off bush surrounding the area.
There were lots of banksia's, which bring back memories of the Big Bad Banksia Men created by an Australian author, May Gibbs. She wrote wonderful children's stories including Snugglepot and Cuddlepie. Her stories are all based on the Australian bush and they are just beautiful to share with young children. As a child I was quite frightened of the banksia men when playing out in the bush.
There was spots of Wattle starting to flower. This is the bush that Australia's green and gold colours are taken from.
And we just stopped and took in the view when we needed to stop for a breather.
You can't beat getting out in nature for frugal fun.
Posted at 4:34 AM | Labels: Australia, frugal fun | 9 Comments
Unexpected income!
Posted at 5:05 PM | Labels: work | 10 Comments
Happiness: Now or later?
Are you putting off living your life to the full, and being happy until retirement? Or until you have a certain amount of money, or get the right job? Uglydebty linked to a story about a young couple who are making sacrifices so they can retire at age 40. They didn't sound all that happy to me. Why not enjoy work and retirement? Whats so wrong with working that so many people hate it so much? Or is whingeing about work a habit? I'd rather be happy now, AND be happy when I retire. So I work in jobs that I love, and I don't ever see myself retiring completely from work. If I have to choose 45 years of job misery to retire rich I'll pass thanks!
Someone told me a few days ago that I was very LUCKY to enjoy my work, and very LUCKY to have the job offers and choices that I have now. They went on to explain/ whinge that they were still 'stuck' in their job, which they hated, because they have commitments. Like so many others they are waiting till retirement to enjoy themselves.
I replied that it had nothing to do with luck!
You CAN choose to be happy in your job and in your life, even if it's not perfect, and you can choose to do work towards a career that's personally satisfying. It's fine to change jobs and try new things. Why limit yourself?
Or if you choose to stay in a job that's unsatisfying, find satisfaction outside of work, but don't wait for a future date to be happy and fulfilled. Being frugal does not mean you need to be miserable, or a martyr, or stuck in a job you hate for the next 50 years! As someone wise once said: " get off the cross we need the wood!
I get up every day and love to go to work. I really do. When I stop enjoying it, it's time to move on. In 28 years of working life I have only ever resigned from one job where I had another job lined up to go to. By the time I have worked out my notice (2 weeks) I have always found or been offered another job.
Am I special? No. I really am very average.
All I did was work out what I like to do in a job and 'head in the general direction' to get more of it. Whenever I've been offered the opportunity to learn a new skill, or work in a different area I said 'YES'! If you consistently do this you will gain so many skills and you get known as someone who will get in and have a go, so then even more opportunities come to you.
My first job out of university paid less than what my teenage daughter was earning as a sales assistant. A lot of people told me wait till a better paying job came along. But it got me the experience I needed so I took it. That was only four years ago, it paid me $17.80 an hour. Now my hourly rate as a consultant is $110 - $200.
Was it luck?
NO!
So why am I all fired up about this? Well, the person who told me I was LUCKY is someone I completed my very first qualification with when I left school at 18. She has no idea of any of the obstacles that I have faced, all of which could have been excuses for me to stay STUCK. And talking with her bought back memories of some other friends I had when I was 18. Friends that didn't get the luxury of having a life and all it's associated problems to complain about.
Mary was my best friend all through high school. We did everything teenage girls do together and often talked about the holidays we would take together once we earned some money. We had both left school only a few months, I had my first job and we were full of plans for the future.
Mary, her boyfriend, and his brother were all killed in a head on smash on the way home from bowling. They were just driving along well under the speed limit, when a car crossed two lanes and hit them head on.
Mary didn't get a chance to do any of the things that she had planned for her life. It was all over in the blink of an eye.
Later the same year another of our friends was diagnosed with a brain tumour. She died before she was 20 years old, leaving a baby daughter.
So these things shaped my attitude to choosing happiness.
Posted at 5:35 AM | Labels: Inspirational, work | 6 Comments
Wii are sore this morning!
Posted at 6:27 AM | Labels: work | 3 Comments
Rent in advance & frugal food
Daily Spending
Wednesday $19, hardware store, (repair stuff)
Thursday no spend day
Posted at 3:17 AM | Labels: frugal food, work | 7 Comments
Snowed in!
Yesterday I didn't make it to my office. I got snowed in! I headed off only to find that all the roads were cut by snow! It was freezing cold and I was glad to get back home. I spent the day working with hubby on my home office set up and teaching him some of what he needs to know to do my bookwork.It's funny, we always said we could never work together, but we had a great day! I think it's going to work out OK.
My phone ran hot with problems about a job I'm supposed to do later this week. Then I got a call from a Dr. trying to get me to reduce my fee for one of his patients. I refused. He tried to make me feel guilty. I wanted to ask him if he would be happy to take a 40% paycut because he works in the helping professions and he's a 'nice person'!!!
Yeah right...
It bugs the hell out of me that there are some people who expect that I should take a paycut, and neglect my family, because they are having a difficult time! When I go to the grocery store I need food, I don't ask the store owner to take 40% of the bill because I'm having a tough time! The bank manager doesn't reduce my mortage because he's a nice person and he feels sorry for me!
Before you think I'm cold hearted know that I already do pro-bono work, I reduce my fee by 40% for people on a pension. I'm a business, not a charity! My hourly fee is actually very reasonable, people forget that they are not paying for an hour of my time, they are paying for 25 years of experience, 10 years of university study and a lot of professional responsibility for thier welfare.
OK rant over...
The other thing we have been working on is eating what's in the fridge, and not always having to have a big meal at night. So we've been having toasted sandwiches, scrambled eggs, soup, baked beans on toast ( love em!!). Reducing my food bill is top of the priority list at the minute. I'm also hoping to get a vegetable garden started once the snow and frost finishes.
Daily spending
Saturday: Petrol $66; Food $17
Sunday: Chicken, Bread, Milk $24
Monday: no spend day!
Today I'm going to be rugged up inside, making chicken soup and watching the Olympics.
Posted at 6:26 AM | Labels: Budget, work | 1 Comments
Budgets for home & work: Done!
I spent the weekend doing detailed budgets for home and for work. I checked all our expenses & spending for the last 12 months and then worked out where we could cut down spending.
To pay all our living and business expenses, payments off the credit cards, university costs and some savings, we need to be bringing in $1200 a week. Anything over that can go be used as extra for debt reduction. I feel better knowing the exact amount we're aiming for.
I calculated the weekly cost of every bill we have and I will transfer this money into a separate account for bill paying. With the business, 20% of what I take in will be set aside for tax and we are going to park this in the mortgage account until it's needed.
Today I am going over to my other office and working on getting it all set up. I can't start with clients there yet as I need some government documentation approved first and they have been pretty slow getting back to me, hopefully it's organised by next week.
Good news for hubby's business, he got a few big orders over the weekend. We are planning a few ideas to increase sales as summer gets closer. He's decided to take on doing all my bookwork and financial records for me and I couldn't be happier! I hate doing the damned stuff! That will free my time up to just get on with the work that brings in the money.
We have to be realistic about his chances of getting employment given the last years efforts. So even though he is still applying for jobs we are making our financial plans based on our current circumstances. We've spent a year thinking that a job would happen soon, and it just ain't happening! So we are going to make it happen for ourselves with self employment and teamwork.
Posted at 5:39 AM | Labels: Business | 2 Comments
I'm self employed!
Financially, I need to plan for superannuation, holidays, sick leave, and training requirements. I also need to build up an emergency fund of three months expenses. But for now my focus is on getting my diary fully booked ASAP and staying healthy.
Posted at 4:14 AM | Labels: Business, work | 7 Comments
Posted at 7:04 AM | | 3 Comments
The devil's in the detail!
Posted at 3:52 AM | Labels: Budget, Money and Relationships | 5 Comments
A week of long (free) lunches coming up!
Daily spending
Saturday: $22 went to lunch with a friend
Sunday: $43 groceries, $50 Petrol
Posted at 6:45 AM | Labels: Business, work | 5 Comments
Progress Report #14
- invoice $3000 minimum
- submit tax
- write up new budgets (home/ business)
- 15 no spend days
- get current on all bills
- set up separate ING accounts for home / investment /holiday
Posted at 5:26 AM | Labels: Progress Report | 5 Comments
Writers Cramp
I have writers cramp. I just faxed 57 pages of information about myself (90% of it already in my resume, which I had already sent to GET the work!) to the three companies that I got the contracts with! I mean seriously this is just overkill!But if that's what they want...
One phoned me yesterday, insisting I get the info faxed back before she gets to work this morning. Then she can give me new clients starting Monday!. "How soon can you see some people?" Of course I told her straight away, and "How much work do you want?"
"well as much as you can send me" I said...
so I won't complain too much about the excessive paperwork...
I have a fully booked day ahead of me, I got another new client yesterday. If I average 2 new clients a week I will be fine financially. So even though my numbers for the month are going to be awful, it's just for the short term.
I'm flat out at the minute... but loving it!
Daily spending:
$6 for two great coffees
$19 groceries
* flat out, means being really ,really busy, it comes from the Aussie saying " flat out like a lizard drinking"!
Posted at 5:42 AM | Labels: Business, work | 6 Comments


