Money Diary: #3 Back to the grind

I am trying to be more mindful of our finances starting this month as we really need to buckle down to save for a house in the next two years. I’ll not be counting my Airbnb expenses but I will note prices if I’m purchasing something.

Day 1: Monday 21 January

Usual morning routine – I pack breakfast (mango with yoghurt and muesli), lunch I cooked last night (kimchi rice, Japanese egg roll – tamagoyaki – and sugar snap peas), a banana, and a bag of spicy snap peas (my Mum can’t eat spicy food anymore so she gave them to me because they were going stale).

I drive to work as it’s a Monday and I visit my parents for dinner. I lend T my transport card.

Every Monday, money is taken out of T and my separate accounts to go into our joint bank account which we use for joint spending (cash and paying off credit cards). We decided this was the easiest method and usually there is enough money or else I will just have each of us deposit a bit more (I am the chief financial officer of the household, haha). This way we can still keep most of our money in our own mortgage offset accounts but there is a communal pool that is easy to access. I go ahead and pay off last month’s credit card bill.

After work, I visit my parents. When I leave, my Mum sends me off with lunch for the next day (rice, cabbage and carrot stir-fry, tofu, and a prawn-egg-corn dish) as well as her (slightly famous amongst friends) pork floss bread. She’s really into making it!

When I get home, I make T’s lunch for the next day. I make a pasta salad with corn, edamame, lettuce and egg (and I will add tuna the next morning).

Day 2: Tuesday 22 January

I add dressing and tuna to T’s lunch. I pack my own food – lunch from leftovers from my Mum, coffee, breakfast of nectarine with yoghurt and muesli.

I train to and from work today.

In the morning, I go down to Coles to get bin bags for my Airbnb ($2; the size I need has been sold out during our weekly shop for the last month – get your stock right, supermarkets!) and David Jones gift cards which are on offer with 10% added value. I was planning to get maybe $200 ($220 value) but they’re sold out. I should have taken this more seriously… argh!

After getting home from work, I make Japanese curry (potato, carrot and peas) with rice, which I cook with quinoa mixed in. We also pack our two lunches, but there is still some leftover curry (no rice)… I’ll think about it later. I also start making sponge cake because I want to have a second go at making mango cake (Natasha’s Kitchen recipe). I didn’t think I used enough filling for my first attempt at Christmas.

T is invited to go out and Pokemon Go raid for a bit and I want to go too. The cake-making is put on hold. (For anyone interested, we are playing hard in these two weeks because of an incredibly meta-relevant Pokemon)

After getting home again, I finish making the cake but I definitely put too much filling between the layers this time. Plus I don’t have time to cool everything in the fridge between steps so it’s a sloppy mess when I cut two slices for us to eat. I consider this attempt a bigger fail than last time and I am not going to try making this again because the recipe’s ratios are all wrong for me. The kitchen is a nightmare and T helps me clean up.

Day 3: Wednesday 23 January

I take my breakfast (peach with yoghurt and muesli today), curry lunch, banana and a slice of cake, which is holding itself together now that it’s cold.

I train to and from work.

I leave work early to go see my allergist and pick up my kit as I’m starting immunotherapy. It’s $120 and the Medicare rebate goes through overnight. $54.80 (personal account)

After I get home from work, I make tacos using the vegetable mixture I use to make vegetable puffs (I froze the leftover after making vegetable puffs for Christmas) and frozen crumbed fish (taco toppings are lettuce, cherry tomatoes, pickles and cheese)

After dinner we go and clean my Airbnb. I’ve gotten good at predicting which guests will give me a minor or major headache. I was right about this one. 🙁

After we get home, I cut up nectarines and we eat that with some more mango cake.

Day 4: Thursday 24 January

I pack breakfast (peach with yoghurt and muesli), coffee, a banana and some Vegemite bagel chips.

I train to and from work.

For lunch, our department goes out to lunch to farewell our colleague. I’ve worked closely with her and I will really miss her. She’s returning to another country but will be working with us via distance. I order a breakfast tortilla ($19.50) and surprisingly, the boss pays for all of us!

As I’m leaving work, eBay notifies me that an item I am watching is ending. I put a lot of things on my watch list and most I’m not serious about and often just curious to see the final price. This one I will commit to if it sells low (near the asking price) as it’s a Saba silk dress and I’m a sucker for silk. It’s starting at $25 plus $8.55 shipping so I bid $33 as I’m only ready to pay a little over $40 for it. I’m the only bidder so I win! $33.55

It is like 42 degrees when I leave work and I think I’m going to die. I do make it home. It’s a mishmash dinner. I make a potato pasta salad with leftover pasta from Monday night, some vegetable dumplings from the freezer, and heat some pork floss bread from my Mum that I totally forgot about and now we need to hurry up and finish. I decide I’ll have to finish it for lunch the next day because I don’t think I should keep it much longer.

I have to have an icypole, and we somehow manage to finish the mango cake (T thinks we can’t keep it in the fridge any longer) but we do regret this decision…

Day 5: Friday 25 January

I pack breakfast (banana with yoghurt and muesli), coffee and lunch (leftover salad from taco night, and the remainder of the pork floss bread). I’m very please because we had enough leftover curry that T also took curry for Thursday’s lunch and today’s lunch. This marks the first week ever that we have not bought any lunches during the work week! It wasn’t intentional but I’m very happy.

I train to and from work. It’s also over 40 degrees today… ugh.

After I get home, I get to work making slow baked (boneless) beef ribs with onion, carrots and mushrooms. We bought some meat from Costco a few months ago, portioned and stored them in the freezer but actually I’m not good at cooking meat so I’ve been trying to work out how to cook this. The last attempt at slow-cooked ribs was pretty bad. This time I go with a slightly different approach. Unfortunately I realise we don’t have canned tomatoes or tomato paste (the former is my fault since we have a house inventory rule of putting items on a grocery list that is shared on both our phones when one opens or uses the last of an item, and I was the last to use the canned tomatoes). I send T out to get tomato puree and he comes back with a huge bottle. I make two cling film balls with the remainder that I don’t use and freeze. $2.75 but paid with a 5% off gift card so ~$2.61.

We eat close to 9pm, haha. We eat with some broccoli, but it’s not much food, oops. Also the beef wasn’t good. Braised beef isn’t a good weeknight idea.

Day 6: Saturday 26 January

It’s Australia Day today (and Monday is a public holiday in lieu).

We go to Louis for a (late) brunch. T gets the green chilli scrambled eggs ($18) and a latte ($4). I get the salmon baguette ($11 – I order this in an effort to be more frugal at brunch as I’m weary that we might eat out more than usual this long weekend if things get hectic…) and an iced latte ($4). The eggs are nice but not spicy at all, the salmon baguette is super stingy on the filling, and the iced latte is pretty horrible. $37

We spend all afternoon out and about (Pokemon Go) and pick up a slurpee from 7/11 to keep hydrated. $1

But by the time we get home at like 7:30pm, I am super hungry and dehydrated. T suggests we go have Vietnamese so we drive to Thanh Ha 2 (I’ve never been before). We get beef satay skewers ($8), and a broke rice dish each ($14 and $15) plus ice tea for me because I need to rehydrate as quickly as possible with sugar ($4.50). $41.50

Day 7: Sunday 27 January

We decide to eat in for lunch but don’t have much breakfast/lunch-friendly food. I make french toast (savoury because I never liked sweet french toast!) and some broccoli. I rationalise that we can pick up a snack in the afternoon since I’ll probably be hungry very soon. T gives me a blind taste text of the two coffee capsule brands I’ve been buying for the Nespresso machine. I can’t tell the difference because they are both so terrible so seems logical that I’ll just continue to buy whichever is more discounted (I think all capsules including Nespresso taste bad, but do not want to regularly pay for someone to make me coffee).

We spend all afternoon walking around the city again (Pokemon Go). The snack situation never eventuates but we grab another slurpee from 7/11. $1

For dinner, we visit T’s parents for our near-weekly catch up. We have chicken rice, loh bak, snow peas pumpkin shoots, and try the 2X spicy Samyang HEK Buldak chicken ramen. The ramen is painful and I go through half a glass of milk while almost crying. We also have fruits after dinner, including the best cherries I’ve had this season!

After dinner, we hurry to do our weekly grocery shop. I have $30 of rewards stacked up from spend-and-earn offers I’ve been doing for the past three weeks (it didn’t require us to spend more than we were already going to), but somehow the whole shop goes out of control because quite of lot of discounted meat that we talk ourselves into getting since the freezer is looking a bit empty. We usually buy meat when cheap to freeze in portions (T likes his meat so we try to keep the freezer stocked). We buy (deep breath): bulk-pack free range chicken thighs ($13.41 at $15.00/kg); 6-pack chicken, rosemary, thyme and chive sausages, 6-pack Italian beef and pork sausages, and 8-pack sweet and chilli chicken tenders (3 for $17 offer); organic chicken drumsticks ($4.67 on clearance as expiring); quarter red cabbage ($1.47); half green cabbage ($2.94); gold sweet potato ($3.94 at $5.00/kg); purple sweet potato ($3.48 at $5.50/kg); broccoli ($2.49 at $5.90/kg); a bunch of kale ($3.00); flat large mushrooms ($1.33 at $9.00/kg); nectarines ($3.07 at $3.00/kg); bananas ($2.84 at $2.00/kg); 700g wholemeal bread ($3.20); 750g sliced cheese ($8.75); Marion’s Kitchen Thai green curry and Thai red curry kits ($3.72 each – highly recommended by Ozbargain when it went half price this week so I want to try it!); 105g beef stock cubes ($2.60); 1kg iodised cooking salt ($1.09); 1kg yoghurt ($4.00); 3 cans 400g diced tomatoes ($0.60 each); 230g chipotle in adobo sauce ($4.50); 120-pack surface wipes ($5.00); 48-pack liners ($3.80). The total is $101.80 minus $30 of rewards, and we pay with a 5% discount gift card. I almost cry because I can’t believe our total grocery bill (minus rewards) is so high and can’t remember this happening before… $68.21

Notes on the grocery shop: the sweet potatoes broccoli were both very expensive but I did really want them (I love both so much!). Otherwise everything was pretty cheap, but we just bought a truckload of meat.

I also buy fresh milk for my upcoming Airbnb guests ($3.20 for 2L because they are staying a long time).

We retreat home and I’m still moping about how large the grocery bill was. I was really hoping it would be low considering we had $30 of rewards. 🙁

Total spend: $239.67 ($184.87 joint account; $54.80 personal account)

We had the Thai green curry the other night and it was pretty good. I’m impressed! Even at half price, I find it a bit pricey so I’ll have to think about whether I’d repurchase.