Monthly Archives: October 2013

Week 30 – Spend and Expense Update

Week 30!

Hard to believe I’ve been on a debt free mission for this long. SO glad I’m not back at Week 1.

This week I was in Darwin (The capital of the Northern Territory, Australia) for work which was different! I’d never been to Darwin and boy was is HOT. And very, very laid back.

Work paid for most of my general food / accom expenses while I was away but I did spend some cash on a trip to Crocosaurus Cove and also visited the Mindil Beach Markets, which were awesome. Such a beautiful sunset and great food! I also purchased a super cute print from a local artist.

I didn’t do so well in not purchasing alcohol this week – Darwin is the kind of place that goes well with a beer, or several, on the hot evenings by the pool!

Once again, debt payments this week were minimal, keeping in with the plan of saving a ‘buffer’ of cash so I never need to draw on my credit cards in an emergency!

I have added a new detail to my stats, which is my account balance, so you can see that although there is not much movement in my debt stats, my buffer of cash is growing a little 😉

Spend summary

Monday: $5.00 sandwich, $16.50 health / beauty purchase

Tuesday: $40.00 phone recharge, $20 postage, $8.50 health / beauty purchase, $4.95 magazine

Wednesday: $0.00

Thursday: $20.00 dinner, $6.00 gift, $20 print, $8.00 beer

Friday: $30.00 drinks, $178.00 loan repayment, $25.60 entry fee to crocodile park

Saturday: $13.50 snack

Sunday: $10.00 tithe, $2.00 card, $17.15 groceries

Total spend: $538.30

Debt update

Credit card #1 – $0.00

Credit card #2 – $0.00

Personal loan: $6618.18 (interest + loan fee charged this month at the amount of $88.29)

Total debt remaining: $6618.18

Total starting debt: $14,744.12

Debt reduced by Week 30: $8,125.94 (average of $270.00 per week)

Bank balance: $670.00

Week 30 – Spend and Expense Update

Week 30!

Hard to believe I’ve been on a debt free mission for this long. SO glad I’m not back at Week 1.

This week I was in Darwin (The capital of the Northern Territory, Australia) for work which was different! I’d never been to Darwin and boy was is HOT. And very, very laid back.

Work paid for most of my general food / accom expenses while I was away but I did spend some cash on a trip to Crocosaurus Cove and also visited the Mindil Beach Markets, which were awesome. Such a beautiful sunset and great food! I also purchased a super cute print from a local artist.

I didn’t do so well in not purchasing alcohol this week – Darwin is the kind of place that goes well with a beer, or several, on the hot evenings by the pool!

Once again, debt payments this week were minimal, keeping in with the plan of saving a ‘buffer’ of cash so I never need to draw on my credit cards in an emergency!

I have added a new detail to my stats, which is my account balance, so you can see that although there is not much movement in my debt stats, my buffer of cash is growing a little 😉

Spend summary

Monday: $5.00 sandwich, $16.50 health / beauty purchase

Tuesday: $40.00 phone recharge, $20 postage, $8.50 health / beauty purchase, $4.95 magazine

Wednesday: $0.00

Thursday: $20.00 dinner, $6.00 gift, $20 print, $8.00 beer

Friday: $30.00 drinks, $178.00 loan repayment, $25.60 entry fee to crocodile park

Saturday: $13.50 snack

Sunday: $10.00 tithe, $2.00 card, $17.15 groceries

Saturday: $70.00 dentist, $4.50 coffee, $30 phone recharge card, $35.00 donation

Sunday: $27.30 dinner

Total spend: $538.30

Debt update

Credit card #1 – $0.00

Credit card #2 – $0.00

Personal loan: $6618.18 (interest + loan fee charged this month at the amount of $88.29)

Total debt remaining: $6618.18

Total starting debt: $14,744.12

Debt reduced by Week 30: $8,125.94 (average of $270.00 per week)

Bank balance: $670.00

Week 29 – Expense and Debt Update

A bit late with my weekly update, but here are the stats for Week 29.

While nothing much as changed on the debt front, I did stick to my goal of only buying 1 coffee and shopping at ALDI for my weekly shop. I also managed to not spend money on alcohol…but my boyfriend very kindly spotted me some beers last night 😉

Spend summary

Monday: $3.00 water, $15.00 on travel card

Tuesday: $0.00

Wednesday: $150.00 on travel card, $140 board

Thursday: $40.50 gifts

Friday: $23.00 gym

Saturday: $70.00 dentist, $4.50 coffee, $30 phone recharge card, $35.00 donation

Sunday: $27.30 dinner

Total spend: $538.30

Debt update

Credit card #1 – $0.00

Credit card #2 – $0.00

Personal loan: $6708.64

Total debt remaining: $6708.64

Total starting debt: $14,744.12

Debt reduced by Week 29: $8,035.48

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Wearing the same clothes. Over and over and OVER again.

I am so freakin bored with my wardrobe.

Clothes are pretty much the first on the hit list of things to go when the budget gets serious. I have had 2 skirts, 5 tops and 2 dresses on high rotation for the last 10 months as my work wardrobe.

Most items are black / dark and simple. Coming into the new season (summer) fashion, all these delightful light, bright and fabulous numbers are calling to me from shop windows.

Must.Not.Buy

Yes, yes, I know – first world problems. But, this blog is about my journey to debt freedom, and that includes leaving no whinge or frustration unsaid.

So, now I have that off my chest, the plan from 14th Oct – 14th Nov is to eliminate the items that burn a hole in my pocket.

After tracking my expenses for months, I can identify where a large portion of my $$ goes:

  • Coffee – yep, no surprises there!
  • Alcohol – seriously, in Australia drinking in bars / restaurants is SO expensive
  • Groceries – now I am not going to eliminate groceries altogether obviously! But I need to be smarter about where I purchase groceries and what I buy

So, my approach is this. Purchase only 1 coffee a week. Purchase NO alcohol. Shop at ALDI rather than Coles for my weekly work lunch groceries. I rarely ever buy my lunch at work, instead I do a shop every Monday morning for what I need for the week. But sometimes that shop can still cost me quite a bit. I tend to buy ‘brand name’ groceries and I do love the organic health food aisle 😉 But over the next month I just need to make simple purchases, not sacrificing healthy eating, but just getting down to necessity only.

So this was the 1st week and I have kept on track so far.

If I am going to blow this debt out of the water by the end of the year, it is crunch time. I have felt on a really tight leash lately and it has been doing my head in a bit, but I’m pulling out all stops to go into 2014 debt  free.

‘Perseverance is is the hard work you do after you get tired of doing the hard work you already did’  – Newt Gingrich

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Week 28 – Spend and Expense update

So, I missed Week 27 update as I record all my expenses in my phone.

And my phone died for a few days, when it came to, some of my notes / contacts were no longer!

So here are my Week 28 stats – no real change to debt. But I have a plan for the next 4 weeks and will give an update on that in my next post:

Spend summary

Monday: $7.00 coffee

Tuesday: $7.10 groceries, $ 4.90 takeaway juice, $110 gifts

Wednesday: $20.50 test for drivers licence

Thursday: $28 taxi, $100 dinner (it was a birthday dinner) , $40 gift

Friday: $7.95 gift, $20.50 licence test, $145 drivers licence fee, $80 drinks

Saturday: $4.00 coffee, $20 on travel card

Sunday: $5.00 raffle ticket, $4.00 bag, $20.80 groceries

Total spend: $624.75. 

Debt update

Credit card #1 – $0.00

Credit card #2 – $0.00

Personal loan: $6708.64

Total debt remaining: $6708.64

Total starting debt: $14,744.12

Debt reduced by Week 28: $8,035.48

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