Simplicity!

I figure that all moneys owed to us will come in this quarter & I have given up worrying. Simple.

I was reading a blog on simplicity & come across this statemet, "Go outside and appreciate nature instead of cleaning your house." I love it! My house is a mess but now I can just go fora walk...or do a quick tidy & then go for a walk.

Whichever, Iam going to enjoy a walk & the house will ge tidied, and eventually, paid for.

I love simplicity!

No Progress

I want there to be income so we can continue to make progress with our babysteps!
I am feeling somewhat frustrated at our progress being halted. We had been doing so well.
I like having a sense of direction in our finances and a plan to follow. I need a plan.
We are also transitioning the business finance at this time which will see us putting aside the tax and other expenses before paying ourselves, which is what we have been doing. It has worked so far but it is a bit stressful.
I am however grateful that we had begun this journey & still have some money to live on until we can draw a wage again.

I am finding this time to be challenging and stretching!

I look forward to it being over soon!

Nothing!

So far our income for the quarter has been very close to nothing! That doesn't make for sound sleep or good budgetting. Work may have slowed for a week or so but this is our longest financial drought to date. I am so very glad we have some money still. Family have offered us a loan if meed be, but that would only prop us up and be using tomorrows money as we still need to repay a loan, even if it is from family.
I am trying not to get worried but have found myself talking about it to my Mum. I need to act rich, we still have money to live on. I think my best strategy is to keep spending to a minimum and keep all bills up to date. Simple really. I can't save, as there is nothing to save. I can do a zero budget, like Dave Ramsey talks about, but in reality with an income of zero it is all just hypothetical spending.
My concern is paying our taxes, BAS, insurances and superannuation. They are relentless is accruing!

On the topic of selling our house...ta da...NOTHING! Nothing at all happening there, no interest, no offers and no open for inspections. Nothing.

Hoping that this will be only a temprorary hitch and that we will be able to draw a wage again soon. I cannot live on nothing forever.

Happy Saving!

Sales contract madness!

After a shocking nights sleep I awoke vowing to read the sales contract we signed with the real estate agent.
Did that. Not very much infor on it. Turns out we can cancel, or opt out of, selling our house & paying the agent commission after 120 days and that is all it says. So I was feeling OK.

Then I vaccumed the cars & had the thought that my car needs a service! Panic! We have had no income this month & much less than normal last month. We are currently living off our savings. Thankful that we have some still.

Then I did some mowing & panicked some more that we are living way beyond our means with this house. I thought about selling my car, mowing other peoples yards for money (I am lousy at selling myself though).

I need some rest!

What a crazy busy mind I have. I don't think I could trust it, do you?

At least we do not have an open this weekend. Phew!

Mid october blues & greys and all the colors of the rainbow!

This week I have been making plans for the garden. DH said after the last people looked at our house & made a very low verbal offer, that we would not be renewing the real estate contract if it didn't sell....then adding "but I think it will". Having no open this weekend due to an auction around the corner, I enjoyed my week and made plans to do this & that in the garden.

After a chat with DH about our finances, I was walking in the back garden thinking how we really would be better off if we sold this. Little knowing that the real estate agent would call & set up a time for people to come look at our house tomorrow, only bother is now I need to spruce it up again.

My yougest son cheered when I said someone was coming to look through the house. I get tense & a bit bossy/shouty about the clean up. One way to ruin a weekend I reckon. We can't even hide at the neighbors as they have already moved. Need a better plan so I don't get too stressed about the cleanliness of the house, they know we are living here! It does me no good to get all tense about people coming to look. If they like the house & garden they can see beyond our stuff & the way we keep the house.

It is such a crappy thing to sell your house. Would like that we had our wakeup call before we bought this but we didn't and now we get to endure a little discomfort to reinforce the lesson of living well within your means!

Happy Saving.

I do NOT, NO! I do not want to sell anymore!

Well it is spring, lovely spring, we have had good rain already and everthing is flowering & growing. I don't want to sell. I want to be here to pick the apples and make apricot jam, to eat the blueberries and see DH preserve olives again. I don't want to move. We chose this house because of the office/study and the room to grow vegies. I was excited about the lemon tree, the established fruit trees and the vegie patch...strawberries by the side entrance & all the herbs. I don't want to move, I like it here. It is so quiet and the walks are lovely. I don't want to move, I want to stay.
But I also want to be able to do something apart from meet the mortgage payment each month, that would be nice. I can establish yet another garden I suppose. I could even get a plot at the community garden now so I could have organic vegies seemlessly, I could do that.
I do like to make house and would enjoy a garden that I could add my own touches to. I could start potting things now so that they are portable like lavendar and herbs, even some vegies. I coud do that.

It is the emotional ride each tme we have an open or someone comes to look, I don't like that.

We could even possibly get a long settlement, so I can get the apple & apricot harvest...maybe. But I'd like the pressure off with the mortgage sooner rather than later, so I am not convinced on that one.

Happy saving & make sure to buy only homes (and other things) that you really can afford!