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Archive for June, 2009

New blind!

June 26th, 2009 at 09:26 am

My parent's bedroom really needs a new blind. The current one is made of material and is impossible to clean so it is in a sorry state.

I figure a new one will cost about $200. We have someone coming to quote next Thursday...

Figuring out debt freedom date

June 24th, 2009 at 02:49 am

I have just been doing some quick and dirty figures and I worked out we can get this mortgage paid off by January 2013...

42nd Anniversary

June 22nd, 2009 at 04:55 am

It's my parents 42nd wedding anniversary in a couple of days and to celebrate we are having a baked dinner together tonight. I am helping my Mum cook it and we are having dessert as well!

I admire them for staying together so long, they are still in love with each other and from my memory, there have been more downs than ups. Mum is my Dad's fulltime carer. He has periodic bouts of sickness where he goes into a dementia like state and then becomes fully well again. We can't get an explanation as to what it is so we just live with it. It's been happening since 1997.

But they are happy in their own way and we all have a good life together...

Faking!

June 18th, 2009 at 01:22 am

My son faked being sick today to try and stay home from school...he didn't get away with it, I could tell he wasn't sick and sent him. I haven't had a call saying to come get him so I made the right decision...

Kids!

Payment made!

June 17th, 2009 at 03:50 am

I received the $600 bonus today and transferred it to the mortgage.

The new balance is 117547.90

I got a letter today about the Education Tax Refund. I will be able to get $375 back from the Tax Office in July because I spent money on a new computer that my son uses for schoolwork.

I am also getting the Family Tax Supplement in July which is $1022 which is a yearly payment.

So I will be getting a bit of extra income in July!

My mortgage chart

June 15th, 2009 at 10:42 pm

I have a chart at the NCN Network showing my mortgage progress:



It will be good to see some more purple gone!

Shopping was how much?

June 14th, 2009 at 05:10 am

A couple of days ago I posted that I hoped to spend $196 on shopping for the week. The tally actually came to $192...

Bonus income: guess where it's going!

June 14th, 2009 at 02:14 am

In the last Australian Federal Budget in May, it was announced that carer's would be getting an annual $600 payment every June. I have just found out we will be paid that this Wednesday. (My Mum cares for my Dad)

So there will be a $600 payment to the mortgage this Wednesday!

Oh and the bank we are with is raising their variable interest rates by 0.1%. So our interest rates will be 5.23% on Monday instead of 5.13%.

Snowflaked $5.07

June 13th, 2009 at 02:18 am

I got paid $2.39 interest on my savings account for the last month so I added a bit more and put $5.07 more to the mortgage. All these little bits add up over time...

We put in a solar hot water system in December last year and we were not charged for the frames to hold the solar panels up and we finally got the bill yesterday. $355. It is not due until the 24th June so I will wait until the 16th to post it back with my payment so it can go on the next credit card statement.

I am trying to put less on the credit card next month...we will see how we go...

Shopping today

June 11th, 2009 at 11:06 pm

I am doing the shopping today, I have to get a haircut as well. All up it should cost me $196...we will see how we go.

Next Saturday I am going to a comedy show and I am looking forward to that. I have gone to the same thing for the past 2 years. They have 4 standup comedians and I laugh so much, my stomach hurts! I love observational humour. To find humour in common things is a great skill.

Mortgage: 12.09% paid off

June 10th, 2009 at 11:41 pm

I paid $1109 off the mortgage today. New Balance is $118,152.

It was so cold yesterday, my son is sick now, I think he has picked up a bug yesterday...

By the way, I live in Australia and it is winter here now and getting very chilly. I don't get snow where I live though...

My son went to school after all!

June 10th, 2009 at 05:55 am

The wind died down a couple of hours after school started so I sent him. He came back half an hour ago, he has finished his homework for the week. He will do his reader later.

He also walks on his toes so he will do 50 laps of the room to practice putting his heels down. I really thought he would have grown out of it by now but he hasn't...I had a physio look at him a while back and the exercises are the best thing for him. If he doesn't start walking properly soon, it will mean an operation later on...

My son is staying home from school

June 9th, 2009 at 09:58 pm

I have decided to keep my son home from school today. The wind is blowing a gale and it is freezing cold. I don't have a car to get him to school and with all the trees around here and at school, it is not safe to walk.

Tomorrow is payday, and I will be able to pay $1087 to the mortgage in total including the minimum payment...

Progress Report

June 9th, 2009 at 02:10 am

Wow, it's been a while since I last updated.. I have got out of the habit of blogging...

The mortgage is currently 119 261. Yes we have paid off 10 000 from the principal since January. We will do even better in the next 2 weeks I estimate the balance will be 116 500 on the 25 June. We are getting a bonus payment and also keeping up with paying extra off the mortgage...

My son is doing well at school, he is first in attitude and he never gets in trouble. He loves his nintendo ds.

Also, we just got pay TV installed ... we spend a lot of time at home and there is a lot of interesting programs to watch. I do cross stitch and watch it...

I just joined global test market which is a survey site, I earned 50 points this morning. Each point is worth 5 cents and they send you a cheque for $50 when your balance is 1000 points. I also have a $20 coles gift voucher coming from valued opinions...

Till next time

Low Income Lady