Down and Out

We are down and out here in the Poopsie household. I have been sick since last Friday and today, finally managed to drag myself out of bed and back to work… but Poopsie came home from work today with my sickness. It’s a vicious cycle.

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So this week, there won’t be our usual new post, but I encourage you to check out some of our old posts if you haven’t read them.

Let us re-introduce ourselves to you. Learn about our plan for the future and our number one piece of advice for retiring early.

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If it’s the travel stories you come here for, read about my trip to Tasmania, followed up by the wonderful time I spent in Vietnam.

And if all else fails, read about and look at some mouth watering pictures of pizza. Mmmm.

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Tune in next week for your regularly scheduled Adventures with Poopsie!

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Expense Report- June 2016

Another month down. June was a fairly high spend month for us, but it was also a three pay cheque month which is nice.

I got a speeding ticket. Yep. I feel quite awful about it, particularly as it came in at almost $160! That money would be much better off in our pocket rather than the governments! We hopefully did the last of the adjustments we needed to make from moving states (car registration and insurance), so our car costs should start to come down.

Amazingly we had a very low eating out month but groceries were still a little bit high. We made some more bookings and payments for our upcoming USA trip. Unfortunately, there will be a few more payments coming out next month as well.

Here’s how we did:

CategoryAmountComments
Rent$1,200.00Standard.
Internet$119.60For some reason we were billed twice for our internet this month. Once on the 1st of June and once on the 30th of June. We are looking into this and will ensure we haven't overpaid.
Utilities$96.00Trying to keep the usage down. We have only used the heater once since we moved, and that was only to make some guests more comfortable.
Groceries$485.33This is fairly low for us, but still not as low as we want to go. We'd like to be closer to $400 a month.
Car Costs$1,391.23Wow! Huge. This does include a speeding ticket that I received. Also, about $500 in changing over our vehicle registration and paying a year of insurance up front. This cost should start to come down.
Kids (child support, school fees, etc.)$2,119.62There were three pay cheques in June, which means we paid child support three times instead of the usual two, which account for some of this inflated number. We also spent around $500 on some services which were non-negotiable as far as we see.
Mobile$55.61Standard.
Household$86.47We purchased a few things for the home, one of which cost an awful lot ($60!) but should last us for about three years.
Miscellaneous$44.85We needed a certified document from the government and this is how much they charged us!
Eating Out$33.00Very low. Not sure what happened here but I am stoked about it!
Entertainment$11.99A Kindle purchase. We tried every other way to obtain the book but in the end, decided to make the purchase.
Travel$672.87We booked some internal flights for our upcoming US Trip, got our Visa and purchased tickets to the US Open which we are very excited about!
Gifts/Donations$82.81Seemed to be a month of engagements, promotions and baby announcements amongst our close friends.

How did you do with your spending in June?

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Mmmm Pizza

I know very few people who don’t like pizza. There’s just something about the delicious crust, the gooey cheese and the wide range of other ingredients you can put on it.

Poopsie and I are no different. Before I met him and for the very beginning of our relationship, ordering pizza from Pizza Hut was what we usually did. This averaged 1-2 times a month and cost around $25 each time. And in no uncertain terms was it even remotely healthy.

Potato and olive pizza.

Potato and olive pizza.

Fast forward to our newer, healthier and much more frugal selves, we still want to be able to enjoy pizza often.

Our solution: homemade pizza.

I’m not saying I had never made homemade pizza before, because I had. I thought I’d come up with a genius way of using wraps as the base. However, they’re pretty pricey as well.

May not look fantastic, but it tastes excellent.

May not look fantastic, but it tastes excellent.

Poopsie is a wonderful cook and probably does about 90% of our cooking. While he would eat my wrap-based pizzas, he didn’t particularly enjoy them. One week, he whipped up some dough and rolled out pizza bases. They were delicious and we have never looked back.

Each time he makes the dough, he has enough for roughly eight balls that will eventually be rolled out into a pizza base. For the balls of dough we aren’t using that night, we wrap them in cling wrap and freeze them. Next time we want to have pizza, we defrost the ball and within a very short period of time, are munching away.

By far, our best pizza yet!

By far, our best pizza yet!

This has saved us a lot of money as the flour, water, salt, sugar, olive oil and yeast used to make the dough are all extremely inexpensive. We’ve experimented with a few different toppings, but none of them are particularly expensive.

Unfortunately, it may not have gone a long way in improving our health. Yes, our pizzas are definitely healthier than the Pizza Hut alternatives but, they’re so easy to make and so delicious, we have probably almost doubled our pizza consumption!

I’m certainly not complaining.

Do you have treats that you make at home to save money?

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How the Latte Factor Works for Us

One of the most common things you’ll read about when researching frugality or saving money is the latte factor. In fact, just a few days ago, LifeHacker published this article about it.

The basic premise is that if you’re spending $4 every day of the year on a latte, that actually adds up to a reasonably large $1460 every year. If you were to save that money, you’d suddenly see a huge jump in your savings and therefore, a quicker path toward your financial goals. Continue reading

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That Time We Tried Stand Up Paddle Boarding

One night, earlier this year, my good friend popped round to our apartment in Newcastle. Over a glass of wine, she mentioned that she and her partner really enjoyed standup paddle boarding.
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Expense Report- May 2016

The expense report is in, and after our recently learned lesson, we did pretty well. We are back over the 50% savings rate, even with some expensive purchases, like a dishwasher. Hopefully we continue to see that savings rate grow. Continue reading

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We Still Have a Lot to Learn

Poopsie and I consider ourselves to be reasonably savvy when it comes to money. After all, we read all about personal finance and are on the path to financial independence! We know all the theory.
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Expense Report- April 2016

Another month down, which means it’s time to analyse our spending.

Both Poopsie and I were kind of dreading this task. We thought we’d had a pretty expensive month, what with the move and needing to buy new bedroom furniture for his kids and a new washing machine.
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The Move

We are officially all moved in and residents of sunny Queensland.

The delay in posting may be a good indicator as to how busy, and as it turns out, rather stressful, the last few weeks have been.
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Small Indulgences

Everyone spends their money on different things. While I certainly encourage frugality, that doesn’t mean I know what is right for each person to spend their hard earned money on. I certainly don’t.
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