I'm back & saving today.

Today's saving was to buy a $20 part instead of a new cistern for the toilet, I do hope it is fixed with replacing that. Hubs has a plumber/mate coming tomorrow to look at the hot water service he thinks is leaking & he shall check the loo for us.

I have been Christmas shopping & replacing some household items. Money seems to be almost running through my purse & I don't like it.

Today is a new day & I spent $10 on postage for a Christmas gift & withdrew some cash as we have our school fair tomorrow & I shall buy dinner there for the family. I also spent $20 at the hardware on the plumbing part.

I resisted the urge to get a latte, or rather I ran out of time. Works out the same, no latte!

Until next time, happy saving!

Resetting goals

I was inspired by this Yoda comment that I read recently.

Profound hey! So, a saving we are.

That quote & a related article I read has inspired me to be more deliberate with our finance. Here is a link to the article,  http://www.nzherald.co.nz/personal-finance/news/article.cfm?c_id=12&objectid=11328011

I shall increase the monthly amount we contribute to our Super account, by 'our' I mean my husbands as I don't have a taxable income & therefore don't qualify to contribute to my super account, or so I believe.

We are also saving for Christmas (2016 & beyond) , family holidays & to have funds to repair & replace items about the house. We replaced the overn & dishwasher this year from our limited funds & therefore limited options.

So how do I plan to achieve these goals? Hmm

1. Using this affirmatin from Suze Orman
2. 
3. (having trouble removing the number bullets)

1. Adding little saved amounts to the online savings account as they happen. I have $13.76 there already by doing this.
2. Not giving up
3. Being realistic about how long it may take & not getting discouraged.
4. Adding 'found' money, like insurance refunds & once off things etc.
5. Adding a regular amount by direct debit yet not leaving ourselves short.

Nothing earth shattering on that list but the target is set & now we get into the work off making it a reality. I used to think goals were achieved a lot simpler than through the choices we make each day yet it is quite liberating to realise that it is how goals become reality as that puts me in a position of power. Agree? Our last saving effort was mainly achieved frm windfalls & this time I want the satisfaction of making it a reality from our regular single income, maybe just to prove to myself that we can.

What target is in your sights?