thread: I'm missing something...

Hybrid View

Previous Post Previous Post   Next Post Next Post
  1. #1
    Registered User

    Apr 2008
    Melbourne
    6,745

    Gifts
    Hairdresser
    Kids activities eg. swimming lessons
    Alcohol

  2. #2
    Registered User

    Dec 2007
    Sunny Qld
    14,682

    Alcohol!!

    hehe

    Thank guys, I was dreaming of stuff last night that I had forgotten (world vision for one cos it comes straight off the credit card and I never see it!!)

    I think I have everything now. Try this on for size (and tell me now I have missed stuff..lol)

    Home Insurance
    Car insurance
    health insurance
    food
    mortgage
    petrol
    rates
    car parking
    body corporate
    phones
    internet
    electricity
    car services/tyres
    miscellaneous
    doctors visits
    child care
    world vision
    xmas & birthdays
    pharma's
    rego
    clothing
    credit card
    physio
    hairdresser
    podiatrist

    Pheewww. Is that everything? LOL

  3. #3
    Registered User

    Jul 2008
    Brisbane
    592

    What about the dentist, hun? That always comes as a nasty shock, is never cheap and teeth always let you down at the most inopportune times

  4. #4
    Registered User
    Add Kazbah on Facebook Follow Kazbah On Twitter

    Sep 2006
    Dandy Ranges ;)
    7,526

    Do you have animals? Pet food / vet visits / flea & worming treatments ...

  5. #5
    Registered User

    Dec 2007
    Sunny Qld
    14,682

    Ooh good point. We have 2 cats and a dog. How much should I put aside for them do you think? I've done it all and I'm left with $77 a fortnight ....

    Dentist ay... hmm.. we have private health cover which covers a fair chunk of it, but you're right - I should put some aside - how much you think?

  6. #6
    BellyBelly Life Subscriber

    Jun 2008
    In snuggle land
    4,499

    Long-term purchase accrual. Learnt this one off Simply Budgets

    Includes future purchases for:
    Furniture
    White Goods
    Car replacement
    Education
    Orthodontist

    Estimate how much each would cost and when they're likely to be needed (eg, car in 5 years, fridge in 10 years, new bed in 12 years), then work out a periodic amount you need to set aside to take care of these when they occur. Put this into a separate account if you can, so it's not touched until you need it.

    What about beautician? If you get waxed/facials/manicures etc
    Make up and oher personal purchases
    Shoes - can be part of clothing
    Life insurance?
    Entertainment

  7. #7
    Registered User

    Dec 2007
    Sunny Qld
    14,682

    Hm.. we usually get our white goods on interest free loans (which work well if you don't abuse them - and we never have, we change our budget to suit the repayments and pay it off as quick as we can) so I probably won't worry about that at the moment, will discuss with DH about the car option though, cos I know he wants a second car.

    Uh don't get waxes or manicures, don't wear make up, have kids for entertainment and don't have life insurance!

    Yup = I think I've done it

  8. #8
    Registered User

    Jan 2008
    Just Coasting
    1,794

    No credit cards, personal loans or car loans?

    Budgets suck don't they! Especially when you ad it all up and there ain't much left, like mine

  9. #9
    Registered User

    Dec 2007
    Sunny Qld
    14,682

    No credit cards, personal loans or car loans?

    Budgets suck don't they!
    Credit card payment is on there - have allocated $100 a fortnight.

    No personal loan, no car loan - got rid of that when we sold our qld house.

  10. #10
    Registered User
    Add Kazbah on Facebook Follow Kazbah On Twitter

    Sep 2006
    Dandy Ranges ;)
    7,526

    Vaccinations (yearly) - around $80 each
    Worming - $50/year
    Flea treatment - (frontline plus) - $100 / year dog; $90/year/cat

  11. #11
    Registered User

    Jul 2008
    Brisbane
    592

    PHI is great for general dental and covers a fair portion of regular check-ups etc., but as soon as anything serious happens (root canal, implants etc.) then the cover is laughable (we have the best policy out their for comprehensive dental and it hardly makes a dent in it). I suppose it is largely estimated on your general dental health as a family. My teeth are shocking and cost us so much (just finishing up on a single implant that has just cost us $6k). Root canal and crowns can be as expensive as $4k if you want a proper job done. My dentist always tells me "When you decide not to floss each day just add up how much it will cost you if you lose teeth at $5k a pop"! Which may explain why so many people are walking around with no teeth

    I will now get off of my dental soap box - hopefully those figures will help your estimations.

  12. #12
    BellyBelly Life Subscriber

    Jun 2005
    Blue Mountains
    5,086

    A few other things on my list .. no idea if they apply for you! haha

    Train ticket
    Music
    Swimming
    Sport
    Contact lenses
    NRMA Membership (roadside assistance)
    Mowing (yes we pay someone to do it haha)
    Contents insurance (don't know if yours is home AND contents tho )

  13. #13
    Registered User

    Dec 2007
    Sunny Qld
    14,682

    A few other things on my list .. no idea if they apply for you! haha

    Train ticket
    Music
    Swimming
    Sport
    Contact lenses
    NRMA Membership (roadside assistance)
    Mowing (yes we pay someone to do it haha)
    Contents insurance (don't know if yours is home AND contents tho )
    No
    No
    No
    No - had to laugh at that one.. haha!
    Nope
    Nope - but should be thanks for the reminder!
    mowing - hardly any lawn so DH can manage it
    We only pay contents insurance since we are in a unit, the home insurance is paid by the body corporate

    Thanks for your dentist stuff Sam

    Thanks Kaz for the pet stuff - will add that too - and congrats btw

  14. #14
    Registered User

    Dec 2007
    Sunny Qld
    14,682

    Well I've finished the budget.. and we have $1 at the end of every fortnight spare.. LOL

    However - I think everything is covered - well except for entertainment and takeaway - but we can live without those for a while