There are now 6 pay fortnights until the end of 2018, I was saving $818 a fortnight, I’ve taken another look and tightened my budget further to increase this to $1000 a fortnight after I was hit by a large tax bill in September with more to come in November. I will not be making deposit by Christmas but I will work as hard to get as close as possible. Read on for my third quarterly expenditure report for 2018…

Third quarter expenditure breakdown: July: Bday month

Summary of Third quarter 2018 expenditure - July summary

I turned 31 in July. Last year I found my birthday a very hard pill to swallow but this year with my budget on track and further along towards my home I felt good. A quick budget summary for July:

  • It was a magical three payday month
  • I bought my flights home to New Zealand for Christmas
  • I went to Port Douglas for a holiday with my Mum, Aunts and bestie – thanks Mum for shouting Meg and my accommodation
  • I was lucky enough to be invited to a friend’s wedding weekend and had a stellar time
  • I bought gifts for my friend’s son, a client, my Mum and Aunts, my friends parents, a colleague for helping me and for friends for their wedding
  • I donated to the Learning Potential Fund, UN Women and the Cancer Foundation,
  • I was invited by my clients into their team for a walk and broke by clothing ban to buy one of their team singlets for $20 which you will see in the next image

Third quarter expenditure breakdown: August 2018: Ticking along

Third quarter 2018 expenditure - August summary

A really fun month!

  • I broke my clothing ban again, I was sent a $10 voucher from Bonds for my birthday and put in an extra $1.95 for a pair of knickers
  • I gave to the Cancer Society, Learning Potential Fund, Australian Farmers Drought Relief, EIOU Foundation for Children with Autism, UN Women and The RSPCA
  • I had the best night out for my friends Ka Lae and Kieran’s birthday
  • I bought tickets to go and relive my youth and see 5ive next year

Third quarter expenditure breakdown: September 2018: When tax bit me, hard

Third quarter 2018 expenditure - September summary

If it was not for the tax bill I would have had a stellar month, but it is what it is!

  • I broke my clothing ban a third time spending $65 to take a work jacket and a work shirt to the tailors to get repaired. I normally do my own repairs but they were tricky repairs that I could not do myself
  • I had some good fun catching up with old friends and a weekend away
  • Gifts I bought included an engagement present, a 30th present, a 31st present, money towards flowers for a colleague and a baby shower gift
  • This month I gave to the Learning Potential Fund, Steptember for Cerebral Palsy, Crohns Disease foundation and to a family in need

Thoughts for the last quarter of 2018

I’m back on my bike and back at yoga, I would like to get my health and fitness back on track. I’ve put some weight on with breaking my back, which is not surprising and I would like to fit back into my normal clothes.

I have just completed a huge project at work with my team, our Association of MBAs re-accreditation, it’s a huge achievement and I am really proud of myself I haven’t written a lot the past month as I have been working a lot of extra hours.

I have grown my Instagram to 1770 followers up from 1150 at the end of last quarter, I am hoping to get to 2000 by the end of the year.

Financially I will not meet my goal of a $60,000 deposit by Christmas time but I will not be far off, I will have another tax bill that will hit me sometime in November. My goal is to get as close as possible.

The Economiss is a single, female, millennial on a mission to buy her first home in Australia. A Kiwi by birth, she jumped over the ditch after she finished her tertiary qualifications in search of employment. The narratives quite often showing up online overshadowed her thoughts of buying a house alone changed in 2017 The Economiss started super charging her finances and saved over 30% of her after tax income towards her house deposit as well as cash flowing four overseas trips. In 2018 The Economiss decided to create a new narrative and share her journey saving 36% of her after tax income for a $60,000 house deposit by December 2018. Do you have some tips to share or want to be featured on the blog, please get in touch!

Third quarter 2018 expenditure breakdown
Tagged on:         

Leave a Reply