Category Archives: budgeting

Project 333 – Frocktober

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It must be because the name of the month lends itself to corruption, but as well as my participation in Frugal Queen’s  ‘Stoptober’ I have also taken up the challenge of ‘Frocktober’.  This is an initiative of the Ovarian Cancer Research Foundation here in Australia to raise funds for and awareness of ovarian cancer.

As those of you who read this blog regularly will know, I only own 1 dress/frock and I am not quite ready to embark on a challenge of the magnitude of ‘One Brown Dress’.  This was one woman’s personal challenge to wear the same dress everyday for a year.  Although the original blog no longer exists the link gives an idea of the project.

I have not registered officially for ‘Frocktober’ but plan to make a donation to my friend who has registered.  I have broadened the scope slightly to include skirts and tops and my goal is to wear a skirt or dress to work every day this month and also whenever I go out socially or just to the shops.

To add some interest I am planning not to wear the same combination twice during the month.  This will test just how versatile my wardrobe items are.  When I started Project 333 about 6 months ago I had to seriously consider what I had in my wardrobe.  I decided that everything I kept needed to earn its place and be able to be worn as part of several different outfits.

At the end of the week I will post photos of the outfits I wore.

On another note, today was another no-spend day and in fact, I even made money.  I sold 1.5 dozen eggs for $6.  I also received an email advising that someone wanted to buy 2 dresses that I had offered for sale (a closed group) for $10 each so that will be a bit of additional income also.  I had not worn the dresses for several years and they no longer fit me so it is better that someone else gets the opportunity to wear them.

Stoptober – Days 1 & 2

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Well, I am off to a flying start.

Day 1 – Monday was a public holiday here and despite the fact that we are into the second month of spring it was cold and wet.  The clouds were right down over the mountains and it was definitely a day for staying at home.  I washed (dried in front of the fire), ironed, planned our meals for the rest of the week and caught up on some routine housework.  $0 spent.

Day 2 – Tuesday was back to work.  As usual we packed our lunches to take with us.  I also pack my breakfast and eat that when I get to work since we leave home quite early.  I went into the city at lunchtime to run some errands but did not go shopping – I did not need anything.  $0 spent.

I expect that the next 3 days will be more of the same.

Our train fares are budgeted for and are automatically debited to our card.

I have identified a couple of expenses that I will have this month.  One is $21 for the annual renewal of my Simple Savings membership.  I regard this as good value for money and will continue to renew my membership in the foreseeable future.  The other thing is that it is almost 7 weeks since I had my hair cut so I will probably get it cut again at the end of next week.  I have very straight hair which I keep cut short.  A haircut costs me $35 and it is the only money I spend on my hair.

How are you going with stopping your spending?

Party, Party, Party……..Now For *STOPTOBER*

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We have been home for 2 weeks now and life just seems to have been an endless whirl.  I feel as though my feet have barely touched the ground.  The whirl culminated yesterday with taking Miss O and Izz to a friend’s birthday party, then we headed off to a picnic for a belated celebration of Belle’s 30th birthday and finally dinner with our neighbours.  These were all enjoyable but now it is time to stop and take stock.

There are jobs to do at home which have been neglected so now is the time to get organised.  The everyday stuff that keep the wheels running smoothly – making sure the washing and ironing is all up to date, menus planned so that we have meals ready for when we arrive home from work, gardens prepared for summer vegetable growing and so on.  My sewing and other creative pursuits are waiting for me and I am itching to get back to them.

I also read this post from Frugal Queen and I am definitely joining in *STOPTOBER*  While I am not sure that I can spend NOTHING for the whole month I intend to spend the absolute minimum, stop and think before I spend and generally make do with what we have. To keep me accountable I will post each day about my success (or otherwise) of not spending and keep a tally of how much I spend and what I buy.

I am really looking forward to this challenge and sharing with you.  Please consider joining in (you can make your own rules) and let me know how you go.

Budget Review

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Just when I thought I was back to blogging in earnest, life threw me one of those curved balls.  There was not enough time or inclination in my days to include blogging but now I am truly back.

We carefully planned our budget for when we were on holidays and stuck to it.  Since we have been back there have been several expenses, such as the doona covers, car service and lawn mower repairs as well as restocking food items after being away but now it is time to get serious again and get the debt reduction heading in the right direction.

We have discussed and set our financial goals for the remainder of the year.  If you break things up into small chunks it usually is less daunting and debt is no exception.  It is 14 weeks till the end of 2012 – that is 7 paydays for most of us.  What can you achieve?