While I didn’t buy everything I wanted too and had to move it to May goals and I didn’t pay off more debt or save more money. I’m still mostly happy with how April went
House $1,477.01/$100,000 January 2020
Personal Loan $514.14/$33,126 May 2019
State Debt $150/$1500 May 2019
Wholesale $54.90/$15,000 for first wholesale order January 2019
April Monthly Report Wins & Fails
MONEY WIN- My income bought flea treatment for the dogs & cats and cat food ($304.51) you can read about how I saved OVER $1,000 a year on pet supplies here and car registration for six months ($560)
MONEY WIN $ A OOPSIE- April was my 32nd birthday! Had a woolies cake and went to the local club with a play centre for dinner. Didn’t pay attention to my spendings think I overspent, but took my leftover dinner home and it lasted three more meals!
TWINSIES! Lol Lucy wants a puppy pair!
Breakfast cost $37.50 but we hardly ever go to cafes anymore it was really nice to spend time out together and ash loved his scrambled eggs! I had salmon and poached eggs super yum!
MONEY WIN- I am getting a new TM5 thermomix! Here are the details on my blog and to see if you are eligible to get one too! $2,089 value-check
MONEY FAIL- Can't find my Anita Bell books had to spend $23.40 on ebay buying replacements
MONEY FAIL- Hubby's income is still not covering our expenses due to overdue bills. We just need to get rates, electricity and water under control but new bills are going to be arriving for May quarter- dreading those! Paying bills fortnightly is really helping get our budget under control.
MONEY FAIL- Anzac Day hubby had a bit to drink said he would cook dinner I said I was happy to splurge on some Maccas but he said it was ok then we drove STRAIGHT PAST Maccas to home and he said let's just get pizza! Ash got so excited so I couldn't mention anything else, ended up $47.04 due to public holiday surcharge BUT I did get a free voucher for a pizza because I paid extra for the 20 minute guarantee...but still a BIG FAT (REALLY YUMMY) FAIL haha
via GIPHY
Blogging about my FIRE journey really helps me keep track of my expenses and keeping me aware of what I'm spending my money on.
My goal for another job doing night work hasn't panned out just yet, the promising lead said they needed me for the 2-5 hours I work in the morning at my first job 😭but she said if my first job doesn't work out to let them know as she is very keen to have me on board. So still on the hunt for night work to bump up our income. A petrol station 20 minutes away needs someone a few days a week midnight to 8am so put in an application for them- keep your fingers, toes and eyes crossed for me!
via GIPHY
Electricity account is driving me nuts went through everything with the electricity company and they can't understand why our bills are so high for two adults and one child. I only use the washing machine and dishwasher every third or so day for one load each when I do bedsheets and towels that's extra but only once a month or so and I try and use them on off peak times. We don't have a spa or a pool that would be chewing electricity, we hardly use the air con. They suggested getting an electrician in to check our appliances then if it is the meter that is faulty they will pay to fix it. So now I need to squeeze in the funds for an electrician. yikes!
HOUSE FAIL- Our garage and patio flooded! All the money we paid in renovations did jack 💩we had a sudden down pour and with in twenty minutes the patio area was flooded and was coming in the garage luckily most of our stuff isn't on the floor, I managed to get the bloody pump to start working and hubby took the lid off the big drain by the back door it still took a few hours to drain the water away and insurance doesn't cover water damage, hopefully it hasn't caused any damage. Hubby is going to put drainage going under the house so it doesn't get caught in that one spot trying to drain away with a pump that sometimes won't kick in.
It's our very own swimming pool! woooo! Ash was so excited!
Net Worth
**Disclaimer- No idea if I'm doing this net worth thing right. Let me know in the comments if I need to do something different
Working out net worth seems you add in your super I'm not really sure of the point of adding in money I can't touch for another 29 years and in regards to the house just because what I owe is less then what it's valued at doesn't mean that is the figure I'm going to get; agent fees and taxes come out of that, maybe budget $50k it's probably less but I'd rather budget more and be pleasantly surprised then budget less and get caught out.
Reading the Mr MM forums seem to be half and half about adding your house in your net worth. I'll be adding my house as eventually we want to sell and move. But the valuation fluctuates with the interest rates and the market so while I do want to see the figure I also want to go off what my debt is vs my credit and gradually get them even.
When you are figuring out your net worth I suppose it depends on your individual circumstances if the house you are in is going to be the house you will continue to live in or if you are going to sell up and move or become nomads and travel the world.
And good luck trying to get hubby to part with his jet ski or Ash with his quad bike and we both need our cars for work so minus the cars as well leaves
Assets
=$737,120
Liabilities
=$473,742.74
Net Worth $263,377.36
FIRE today staying in house
DEBT $473,687.84
CREDIT $54.90
Net Worth -$473,632.94
via GIPHY
Stacking our debts against our credits is a bit scary I don't think I like this one. Kind of wishing I didn't do this calculation now oh well. Onwards and upwards to May!
House $1,477.01/$100,000 January 2020
Personal Loan $514.14/$33,126 May 2019
State Debt $150/$1500 May 2019
Wholesale $54.90/$15,000 for first wholesale order January 2019
April Monthly Report Wins & Fails
MONEY WIN- My income bought flea treatment for the dogs & cats and cat food ($304.51) you can read about how I saved OVER $1,000 a year on pet supplies here and car registration for six months ($560)
MONEY WIN $ A OOPSIE- April was my 32nd birthday! Had a woolies cake and went to the local club with a play centre for dinner. Didn’t pay attention to my spendings think I overspent, but took my leftover dinner home and it lasted three more meals!
Won $30 on a scratchie, got $50 in a card, got a bottle of wine from a client that has won awards and fancy stuff, I don’t drink but hubby said it’s a lovely bottle of wine. Ash bought me a hair dryer and a hello kitty hair brush 😍 lol
MONEY WIN- I was gifted two dog clippers value at $180 and I'll save $1200 a year by grooming my two dogs at home. I mean they wont look as flash as my groomer doing them but what is the saying? It's only two weeks between a bad and a good haircut or something along those lines?
MONEY WIN- I was gifted two dog clippers value at $180 and I'll save $1200 a year by grooming my two dogs at home. I mean they wont look as flash as my groomer doing them but what is the saying? It's only two weeks between a bad and a good haircut or something along those lines?
MONEY FAIL BUT FAMILY WIN- went to target spent $60 on a new hoodie for me for winter all my hoodies are hand me downs and don’t fit well and aren’t warn, socks for home and school for Ash since he only had two pairs of school socks since he outgrew all his other socks for the past six months iv just been rewashing the same two pairs! We found $6 house socks we call them they are SO cosy we found them in the ladies section but they had a smaller size that fits ash
TWINSIES! Lol Lucy wants a puppy pair!
Breakfast cost $37.50 but we hardly ever go to cafes anymore it was really nice to spend time out together and ash loved his scrambled eggs! I had salmon and poached eggs super yum!
MONEY WIN- I am getting a new TM5 thermomix! Here are the details on my blog and to see if you are eligible to get one too! $2,089 value-check
MONEY FAIL- Can't find my Anita Bell books had to spend $23.40 on ebay buying replacements
MONEY FAIL- Hubby's income is still not covering our expenses due to overdue bills. We just need to get rates, electricity and water under control but new bills are going to be arriving for May quarter- dreading those! Paying bills fortnightly is really helping get our budget under control.
MONEY FAIL- Anzac Day hubby had a bit to drink said he would cook dinner I said I was happy to splurge on some Maccas but he said it was ok then we drove STRAIGHT PAST Maccas to home and he said let's just get pizza! Ash got so excited so I couldn't mention anything else, ended up $47.04 due to public holiday surcharge BUT I did get a free voucher for a pizza because I paid extra for the 20 minute guarantee...but still a BIG FAT (REALLY YUMMY) FAIL haha
via GIPHY
Blogging about my FIRE journey really helps me keep track of my expenses and keeping me aware of what I'm spending my money on.
My goal for another job doing night work hasn't panned out just yet, the promising lead said they needed me for the 2-5 hours I work in the morning at my first job 😭but she said if my first job doesn't work out to let them know as she is very keen to have me on board. So still on the hunt for night work to bump up our income. A petrol station 20 minutes away needs someone a few days a week midnight to 8am so put in an application for them- keep your fingers, toes and eyes crossed for me!
Electricity account is driving me nuts went through everything with the electricity company and they can't understand why our bills are so high for two adults and one child. I only use the washing machine and dishwasher every third or so day for one load each when I do bedsheets and towels that's extra but only once a month or so and I try and use them on off peak times. We don't have a spa or a pool that would be chewing electricity, we hardly use the air con. They suggested getting an electrician in to check our appliances then if it is the meter that is faulty they will pay to fix it. So now I need to squeeze in the funds for an electrician. yikes!
HOUSE FAIL- Our garage and patio flooded! All the money we paid in renovations did jack 💩we had a sudden down pour and with in twenty minutes the patio area was flooded and was coming in the garage luckily most of our stuff isn't on the floor, I managed to get the bloody pump to start working and hubby took the lid off the big drain by the back door it still took a few hours to drain the water away and insurance doesn't cover water damage, hopefully it hasn't caused any damage. Hubby is going to put drainage going under the house so it doesn't get caught in that one spot trying to drain away with a pump that sometimes won't kick in.
It's our very own swimming pool! woooo! Ash was so excited!
Net Worth
**Disclaimer- No idea if I'm doing this net worth thing right. Let me know in the comments if I need to do something different
Working out net worth seems you add in your super I'm not really sure of the point of adding in money I can't touch for another 29 years and in regards to the house just because what I owe is less then what it's valued at doesn't mean that is the figure I'm going to get; agent fees and taxes come out of that, maybe budget $50k it's probably less but I'd rather budget more and be pleasantly surprised then budget less and get caught out.
Reading the Mr MM forums seem to be half and half about adding your house in your net worth. I'll be adding my house as eventually we want to sell and move. But the valuation fluctuates with the interest rates and the market so while I do want to see the figure I also want to go off what my debt is vs my credit and gradually get them even.
When you are figuring out your net worth I suppose it depends on your individual circumstances if the house you are in is going to be the house you will continue to live in or if you are going to sell up and move or become nomads and travel the world.
And good luck trying to get hubby to part with his jet ski or Ash with his quad bike and we both need our cars for work so minus the cars as well leaves
Assets
- Cash in bank $54.90
- Super $92,416 (combined) **can't touch it for another 29 years- not sure why I'm adding it
- Home Value $600,000 **bank reckons my house is worth this although this could fluctuate depending on market and interest rates, I'm seeing a market downturn since we got it valued, like my neighbours have been trying to sell for four months and they have reduced a ridiculous amount and still nothing, hopefully when we are FIRE and ready to sell the market has improved AND The Barefoot Investor says interest rates are going to rise *WOO HOO-FRICKIN FANTASTIC- sarcasm* so again don't think I'll put too much stock in this figure but still nice to see
- Cars & Boys Toys $47,000 **can't sell anything, you know boys and their toys etc maybe a old boat we don't use anymore
=$737,120
Liabilities
- Home Loan $440,616.74
- Personal Loan $33,126
=$473,742.74
Net Worth $263,377.36
FIRE today staying in house
DEBT $473,687.84
CREDIT $54.90
Net Worth -$473,632.94
via GIPHY
Stacking our debts against our credits is a bit scary I don't think I like this one. Kind of wishing I didn't do this calculation now oh well. Onwards and upwards to May!
No comments:
Post a Comment