I am going to be 51 yrs YOUNG tomorrow It's really funny to think that I am doing stuff now that I should have done when I was 31 - but hey who's counting not me (well not with any meaning!)
Took DD to the store so she could buy my gift and I ended buying Washing Powder that was on special - saved about $3 not much but I'll take it.
And then I bought myself a present for $5 - lotto tickets for the draw tomorrow night - jeez you never know?????
Work was good but didn't feel like studying tonight so I have been reading the entries and catching up on all your news.
You are all so organised and focused - it is amazing and so motivating. Promise to get my numbers and specific goals up this weekend - that way I will focus better and make my entries more interesting and specific.
We are due for salary increases at the end of March, and I am dying to see what the % will be - considering the state of the economy both locally and globally. We have been getting about 7% over the past 3 years and if this is maintained I think we will be doing well.
BTW someone asked about our retirement funding in SA - we have 2 options: through our employers or private investment/insurance companies.
Retirement through the employer is a great option because they pay a compulsory 7.5% of your salary value and then we are allowed to contribute up to 12% (I am contributing 10%)on pre-tax salary amount. On top of that we are allowed to contribute to other options outside of the employers offering - one of my goals is to get to 30% contribution but only once we have purchased our new home. (So a while to go still!)
We are also allowed to stagger our retirement payout ages for example, a woman can start retirement payouts from the age of 55 yrs and continue to 65 yrs (complusory payout) - I have 2 maturing in 4 years which I am going to use to settle the mortgage of our "still to be purchased" home.
Then I still have others maturing at 60 and of course, my current employers retirement kicks in a 65 so we should be okay. Plus as we know, nurses never ever stop working
Feedback on 3 Bills I forgot to include in my budget for January:
Swimming training for DD $40 Paid
Balance of College fees for me $175.55 Paid
Utilities $49.33 (high for us) Paid
have had to use the savings to pay them - stupid and careless but at least we had the money to pay them
So the new balance on our EMF is: $4,714
BTW sold my big freezer at the end of December - it was costing too much in electricity to run and I wasn't able to keep it fully stocked anyway. So I am waiting for $75 for that and will put it back into the EMF.
Still looking for other ways to keep my money in my wallet and in the EMF account
Take care....
Well another year has passed...
February 7th, 2013 at 08:04 pm
February 7th, 2013 at 09:28 pm 1360272518
February 7th, 2013 at 10:05 pm 1360274737
February 8th, 2013 at 05:35 pm 1360344908