I have none …

My first pay of 2014 is on the 7th. Which, you will note, is not until Tuesday. And I want to start my resolution now!

Strike while the iron is hot — fantastic quote – something that I can believe was written with someone like me in mind. My biggest concern with all of my resolutions – and the thing that has prevented me from succeeding in the past [mostly] – is that I lose interest and motivation quite easily. I’m not as concerned about this in 2014 – since I have become rather addicted to personal finance blogs, and every time I read them, or get notifications from them, I think “oh shit – where am I up to?” — so really, I should stop stressing.

… Still not patient though!


However – in other resolution news …

I am currently succeeding with my eating fruit resolution!

  • January 1 – watermelon and raspberries
  • January 2 – banana and apple
  • January 3 – banana and apple
  • January 4 – so far, I’ve had an apple with breakfast

So – at least I’ve been able to start something!


Ch-ch-ch-ch-changes …


Well, I suppose that’s what it is all about …

I mentioned previously that I would expand on what things I’ve calculated for my bills account – so I sat down yesterday to do so, and realised just how much I was spending on my gym membership [yes, yes, I know they are expensive]. So I went down and cancelled it. I also tweaked a few other things before I finished [hence the title of the post!]

Anyway, here is my updated working out:

  • Phone Bill – $63/month
  • Internet Bill – $58/month
  • Electricity – $500/quarter
  • Car Services – $200/quarter
  • Car Registration – $1000/year
  • Work Registration – $320/year
  • Medical – $750/year
  • Vet – $200/year

These combined [$6522] divided by my pay periods in the year [26] – means that I will have to put aside $250 a fortnight. This is down from the original $280 I was putting away when I had my gym membership – so I will have another $30 per fortnight to spend on “entertainment” – so I’m pretty happy with that!

The Internet and the Electricity will be shared with my housemate — however, his job is a little more inconsistent than mine, so I want to make sure that I can cover everything in case he, for whatever reason, isn’t able to do so.

But what about the exercise?! …

Well – since I hadn’t used the gym membership in quite a while [about four/six months] – and since I was given an exercise bike for Christmas – and since one of my New Year Resolutions is to do exercise outside … I think I’ll be fine :]

… and on that note, I should probably get off my ass and do something!