Tuesday, April 6, 2010

The Beginning of a New Month

Hi all, sorry I've not written for a while. Last month was particularly busy in many ways, and I have finally managed to have 2 weeks off work (this being week 2). Last week my husband and I celebrated 20 years of marriage. It feels like it was just yesterday when we tied the knot. 20 down, 20 to go (or more, depends how long we live). We just spent 3 days away camping in a beautiful part of Victorian coast line. It was a free site, with a well looked after toilet block. Everything else was provided by ourselves (the fun, laughter, entertainment and enjoyment of the natural environment.) Even rain didn't spoil our fun. it just reiterated to myself that the best things in live are free! I think Johanna beach has become my new favourite holiday destination. Pristine, unspoilt, magnificent beaches.

Well there are a few issues again this month! Although it is $21 challenge month, I have been doing it for so long now, that I need to stock up my pantry. Unfortunately that will mean about a $200 shop today. I also intend on having a baking day and stockpiling the freezer with home baked goodies/pasta & bread to help me get through the first few weeks back at work. They will be extremely busy.

The other issue is, the RBA meets today and you know what that means. Another interest rate hike. I have been paying my mortgage 1% higher that what my bank are charging me, that way, I won't quite feel the pinch so much. I certainly understand why they are putting the rates up so much, it just doesn't really seem to be helping. If your like me, you probably couldn't afford to buy your humble abode anymore. In fact, I think the house prices are absolutely ridiculous. Blah, blah, blah!

So, this month I have no significant bills to battle with, just still striving to keep the credit card debt under control and paying it down. I am also counting down the months until my husband starts working again (it will have been 3 1/2 years).

Keep making, saving and don't give in to consumerism. Stay true to yourself and your financial goals. It's worth it in the end! All with a big smile on your face!!!!!!

Happy making & saving!