wow mumma1, you are doing really well.

i can't believe years ago, (before i had bilby), i used to have a Gloria Jeans fancy coffee, each time i went shopping. Cannot imagine splurging like that now.

i totally get the "opshops not as good as they used to be" - the corportisation of opshops is amazing - i see 2nd hand goods, needing mending, stains etc - for prices that are HIGHER than that brand new item in a retail shop! they are money making shops now, not places to sell things cheaply to people in need.

does the spreadsheet help you when some bills are weekly, some fortnightly, some monthly, some quarterly, some annual?
that is the problem i have run into, with past attempts - trying to accomodate all the differing bill timings (not sure how to express that bit).