Our superannuation accounts are our retirement accounts and that is where we are now putting all our savings.We can both contribute a maximum of $25,000 a year taxed at 15%. This includes our employer contribution of 9.5% of our wages.
I redid my calculations over the weekend and I have upped my contribution by another $100 a week. That will take me right up to the limit that I can salary sacrifice. So a bit less in the paypacket each week but worth it for the savings and the tax benefit.
I’m in the process of changing where I shop for my groceries from Coles to IGA. Its much cheaper and the quality of the fresh food is really good. This weekend we shopped at both shops.
Coles
CC Points used – $40
Savings – $3.02
Total Spend – $65.95
Total Value of shop – $108.97
IGA
Savings – .28
Spend – $23.83
Total Grocery Spend – $108.97
For my $23.83 at IGA I got:
3 lemons – $1.35
small eggplant – .41
1.2 kgs zucchini – $2.88
1kg sweet potato – $1.66
1 bunch bok choy – $1.50
1 cauliflower – $4.99
1 parsnip – .54
Radish – $1.99
Sugar snap peas – $4.49
The diet I follow is the Specific Carbohydrate Diet and its quite restrictive. At times it gets a bit frustrating, but I get sick quite quickly if I go off it. I need to get back in the habit of cooking ahead each weekend so I have foods ready to eat when I’m too tired to cook after work. So this weekend I made up a nice big batch of zucchini and tomatos and I baked almond and sultana biscuits. I still need to make soup and yoghurt for the week ahead.
Well my worry about the budget blowout with DH’s glasses turns out to be unfounded. His workplace is paying for one pair of glasses as they were destroyed at work accidentally – I don’t remember him telling me that but at least now the cost is more than halved so that is a relief.
My first payment came through from my extra work overnight! That will certainly be a big help this month. I really hope the work continues till the end of the year.
This morning I’m off to Aldi to check out their sale on winter ski gear. I’m hoping I can get some warm winter clothes for our holiday at low cost and they have a sale on this morning on waterproof boots, jackets and fleece lined leggings and tops. I need boots and a waterproof jacket and I do not want to pay a huge amount.
After that I’m off to Spotlight. I have a $30 voucher that was a gift and two vouchers for $40 off $100 spend. I need some flannelette sheets (own none!) and DH needs a new pillow so will get them at the sale. These vouchers usually come out about twice a year so thats when I stock up if I need linen or sewing things.
I’m looking forward to the Royal Wedding coverage over the weekend. Its lovely to have some good news on the TV for a change and who doesn’t love a wedding! As well as that I have a list of jobs I need to get done this weekend:
