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Tasha Gets Money Smart
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a personal finance blogger all the way from New Zealand! this is my day to day rant as i go into the depths of learning to be financially smart.
Recent Posts Tagged With 'debt'
Continue reducing the temptation
A month or so ago, I requested for an increase to my credit card limit. I received the documentation that only needed signing but I kept postponing just because I didn't really need to. I don't know w...
Whew, life's been busy.
It has been a good few days. I have not once worried about money and that's because we still have $55 left until pay day in our current (checking) account. It's not like we always dip into savings but...
August goal with moisturizer
Current plastic debt is close to this month's goal of $8,500. And it's only the 9th! We had to make some sacrifices - using savings to achieve that goal. The Westpac savings is close to depleted but w...
What to do with salary increase?
J and I get our salary increases in winter. I don't remember what month he gets his, but I should have mine in August. But I'm not. I'm still getting one of course but the organization is currently im...
The sky is clearing...
The small car is officially sold last night. I have the rest of the payment in a check and $400 in cash waiting for me to deposit. I was planning on doing that today but my husband and child went into...
Bye, bye, our wee car
We got an offer close to our selling price. We took it but J and I had a misunderstanding somewhere when we were talking about how much we could negotiate for. We could've gotten it for the actual sel...
I want money, a lot of it.
Last night I was getting really annoyed at our financial situation. I really want to get rid of our plastic debt! Compared to others who struggle with a lot of it, ours isn't so bad but still! Today ...
Running errands to clear my mind
Getting rid of stuff Various PF blogs have advocated the value of getting rid of unnecessary stuff by selling them. I'm doing just that for 2 things - our small car and my breast pump with various ac...
When the focus shifts
I'm glad that I'm back working because it shifts my focus from dwelling on debt reduction to being productive. I read somewhere about a PF blogger who needed a break from constantly thinking of ways t...
Weekly review: 2-6 June
I almost forgot to post this weekend! I was busy polishing our budget spreadsheet because there are a few unplanned changes that had to fit in the budget.Car registrationReceived a notification from L...
Weekly Review: 26-30 May
I wish I could make more updates on this blog but I'm living a new life and it doesn't give much spare time. If it did, I'd rather use the time for catching up on rest.Snowballing my allowanceI'm stil...
This week's review : 12-16 May 08
Well, I spent 3 days on training and I loved it! Not only are trainings increasing my knowledge but it also means free food! Who wouldn't love free variety of buffet hotel food? I saved $30 from t...
Snowballing my allowance towards debt
Yes, you read the subject right. I think sometimes I'm just fooling myself that I have an allowance. :-PI give myself an allowance of $100/pay period, which is a fortnight (or 2 weeks). That equates t...
The last 5 days
I returned to work this week after maternity leave. Let me tell you what happened to us, financially, in the last 5 days.New Spectacles Going back to work meant long hours staring at the computer. Bef...
End of month review: April
This month went by fast. Too many things seemed to have happened. For a quick review, which is really for my own visual sake, here's a rundown of things.Term Deposit - It matured and earned $16.96 at ...
Not possible I think
After posting the last entry, I realized that it might not be possible to bring down our credit card debt to $6,400 this month after looking at our financial spreadsheet. We can only afford to put $15...
Small steps at a time
A part of me decided today to break down goals into smaller parts, and in order for me to achieve small goals I had to break down our assets. So there, in the sidebar are the digits of what we actuall...
My Debt Frustration
As you can see in the right panel, the credit card debt bar is now gone. I've decided to remove it because it was useless to move back and forth adjusting it. We are still using our credit cards to ac...
I Do, You Do Spending
Spending can be out of control and at this time of our lives, I feel that I'm to be blamed because I'm the main financial admin in my family.Just a short couple of weeks ago, we have 2 of 3 of our cre...
Plan: Get rid of the extras
One of the many things I love about my husband is that he listens to my money rants. Maybe because he's very involved in that aspect of our life, or maybe I just manage to start the discussion when he...
We're not doing so bad after all
I've read many a blog about paying off debts. I've come across bloggers that are halfway through paying off debts. It was just today when I came across a blog that has just started paying off debts.De...
Another credit card paid off!
I was staring at our budget-expense spreadsheet yesterday trying to work out a way to pay off some of our consumer debt as soon as possible. Then I had an idea of using a good chunk of our savings to ...
I want our own house
I think I might have mentioned in my past entries that we are going to rent until we pay off the student loan. As this is our biggest debt, and should only be once our CC debts are gone, we planned to...
Rent increase and worries
We had a visit from our landlord today for a quick inspection before we renewed our contract for the next 12 months. I was not totally surprised when she told me about the increase of rent to $15 more...
Another credit card approved
After almost 2 weeks, I received a mail in the post from my bank telling me that my credit card application was approved. The card is arriving in the mail soon. This new card is not exciting with its ...
Oh debt - you're worth it!
People have come to see us at our home in the last week or so. We don’t really have guests often, mostly none at all. We don’t have that many friends here yet and we’re not about holding parties...
Investing and saving – slowly but surely
Today I invested another $250 into our mutual fund. It took nearly a month since the first $250 investment that we made. It earned almost $2 since then. Not bad considering the market these days.I sti...
Keeping track
It’s payday today and yet a chunk of what I received today went to bills, not to mention the overdraft auto-payment. I pay rent and stash money in savings on payday. The next day I pay credit card b...
Update: The Payoff Plan
1 down, 2 to go.Today J and I made the decision to pull out money from savings to pay off CC1. We did it within 2 hours of discussing it. It feels good although we have 2 more cards to pay off. We pai...
the payoff plan - changed?
planning oversightit's still 6 days away until the next pay day and we have already dipped into overdraft. we don't dip into OD all the time, only when there's an oversight on my part. this fortnight ...