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3 days in

January 3rd, 2019 at 01:40 am

So far 2 no spend days and one no car day. Considering I taxi miss 16 around everywhere all the time, having no car days are pretty awesome.

The other day I bought, it was something I needed and was meant to get before the end of the year, but I've included it in 2019 spending anyway and that money will be covered in tomorrow's pay.

I've done sums and worked out I need a minimum of $80 a ftn plus half of some money coming in July to make my mortgage goal of under 100k by October 6. It will be a stretch but I am able to live on less and live out of the pantry and fridge/freezers to save a lot of the grocery budget towards other things. I am also saving for home improvement projects.

Work is just the odd casual shift now and atm not working at all, so I am doing lots of home things, crocheting gifts and things and doing more decluttering.

I am determined to have a successful year on a low income.

Preparing for the no spend challenge

December 6th, 2018 at 09:07 pm

Christmas gifts are done and dusted here except for one gift I am still finishing off crocheting.

I am in declutter mode atm, my lounge and kitchen are disaster zones and they need sorting and tidying before Christmas, so that is my aim and I will just be putting up my little trees this year on a table as a token so the gifts can still go under them.

Rearranging some furniture in my bedroom atm while I am still waiting until we can get some help cutting the carpet ive got. I got someone in for a quote and he carried on about how it would look shoddy in patches and I just don't care atm, I am currently living with underlay covered with drop sheets and old towels and doona covers and any carpet is going to look better than that! lol

He wanted to charge more for the joins which are really only needing to be placed down, the carpet is renovator rug carpet so can't be stretched and stapled. There will be furniture on the side with the joins anyway so I don't see the problem.
So I will wait again and see if I can get some help from family. In the meantime I need more function in there until that time comes.

I am thinking more on my goals for next year and how I am going to be able to achieve them. Budgeting will be tight, but there will be a little wiggle room with the extra work income however, that needs to be adding to my budget categories so it won't go far.

I was pretty spendy for November, but I am back on track now and I only have a few small things I need to buy to get us off to a good start come the start of the no spend challenge and I will be doing $21 challenge weeks for the next 6 or so weeks and use the mountains of stocks we have here. I have been stockpiling for probably 15 months, so plenty to use up.

I will continue to declutter into the new year and try and get more stuff out of my house so I have more room for the things I need and want to keep and get the unimportant stuff out of the way.

I am looking forward to getting my house sorted the way it needs to be, excited and scared for the no spend year. I know I can achieve lots, but it will be a long year if I keep thinking I am going to have to say no to things, so I might note anything I really want in my notebook and see if there is a way I can buy it with my allowance, if there isn't it can sit on the list until I either change my mind or until July when I will have a few hundred $$ spare for whatever we need.

Wish me luck! I will be back before Christmas hopefully with an update.

Introductions and all that

November 12th, 2018 at 07:57 pm

Hi, decided to start a new blog instead of forever updating the old one (Miss frugal chatterbox).

I am hoping to be much more active here, as long as peeps are happy to read about my frugal ramblings and my journey to paying down my mortgage little bit by little bit (boring I know, but I am motivated to have a big year next year).

I am having a no spend 2019, which I will list in my Info at a later stage.

I am coming up with my rules now, and I bought myself a charming little hallmark notebook for 50c today from an op shop (thrift store) to also help me document my no spend journey instead of using a diary which I rarely stick to using, lol.

I also bought 6 novels for about $3.50 and have decided to wrap them up for under the Christmas tree as a gift to myself so I can have some guilt free reading for my no spend year.

Also considering doing the same with some yarn that's on sale at Bendigo Woollen Mills atm (cotton), and wrapping for the tree, as I only ever buy it when it's on sale once a year and I am considering a self imposed wool and fabric ban as part of my no spend year next year. I figure I have more than enough to get me through a few years so I won't feel deprived.

I will still try and post a couple of times a week until the new year and then hoping to ramp things up a bit after the new year to help keep me motivated with like minded people.

2019 is the year of Miss Chatty!