Still surviving

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Holding on

I am not dead from being overworked yet. I’m still in the trenches but its not as bad as previously thought.

I just got a couple of tests back and the results look good. I might get through this semester without failing any subjects.

I also wrote a few tests this past week and it wasn’t that bad. I might just pass all of them and I also submitted a couple assignments that I feel very confident about.

Work still sucks though. Last week I had possibly the worst week I’ve ever had at a work place and this week I’m drowning in work even though I’ve been working as hard as I can to get things done, more things just get added to the list.

My finances look good even though I couldn’t give an update on March and Q1 of 2016 yet. My wife is even drawing up excel spreadsheet budgets now even though she was opposed to the idea at the beginning of our marriage.

I’m also looking forward to the weekend. I’m having my friends over. They haven’t been over at my place since I got married. Gonna have to entertain them and show them there is nothing to be afraid of at my place, they are always welcome to come visit.

Well, that’s me for now. I hope the next two weeks can only get better.

Until next time. Thanks for reading.

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System Overload

Frustrated Cartoon

Frustrated Cartoon

It’s been a minute since I posted anything on my blog and its been a minute since I read any other blog posts. Its feels like I’m going to explode at any second because of all the things I have to do or that requires my attention.

I’ve been on holiday for the past week and you’d think I would’ve had time to attend to the small things but not even on holiday do I get a break. I was planning to maybe get my learners permit this week. I didn’t have time to do that either.

As soon as I got to my parents home (that’s where my wife and I decided to go for our week vacay) my dad told me I needed to help him set up a PC at their office, fix his laptop and have a look at their new business plan and make the necessary changes required.

My wife and I had to also drive around looking for places to stay for her mother’s brothers and sisters when we all come down for a wedding in about a month’s time.

Its the last day of our holiday and I don’t even feel like I got any rest. I had to work so hard for 3 days before our vacation began because I couldn’t leave any work unattended. Now that I got here I had to continue working and when I get back, there is lots of work waiting for me.

If there is one thing that I will remember about 2016, is the sheer amount of work I had to do. I never felt this busy in my life, ever!

Only 2 more months before this school semester ends. When I start the new semester I’m going to register less classes, but that will be determined by my average mark I get for this semester. If I manage to achieve a 60 percent average, I won’t drop any subjects because clearly I can juggle it all at once. If I get between 55 and 59 percent, I will drop one subject and if I get less than that, I will drop two subjects.

This week coming week is going to be a crazy week. I have 3 assignments to complete, 1 test to write and 2 tests to study for the following week. If I make it to the end of the week in one piece I will be a very happy man.

Until next time. Thanks for reading.

February 2016 – Budgeted vs Actual

Finally I get to post my February results. Even though February was only two days ago, I’ve actually closed off February because I get my paycheck on the 25th. It just complicates things if I don’t close off the month before I get new money in because who’s to say what expense belongs to the previous budget and which expense belongs to the new budget.

I had to steal time from work to get this done. My time away from work is dominated by school and my wife, so my finances get neglected. I hope my boss doesn’t find out.

I am not going to go into too much detail here, just give a short summary. I am going to create a page for each month and you can find it under the menu item “Finances”. A link will be posted.

February 2016 Budget vs Actual results

February 2016 Budget vs Actual results

Summary:

Overspent categories

Entertainment:  These two expense items took a major hit. My entertainment budget was blown on the same day I received my paycheck. It’s been so long that I didn’t have money in the bank, so as soon as I got it, I went out for beers with my mates. Totally worth it.

Food:  The food is higher than I thought it would be. About 70% of the food budget was snacks. There are two outliers, the time my sister, my wife and I went for frozen yogurt and the other time I bought biltong (aka beef jerky). Hopefully there won’t be a repeat of that, but I’ve adjusted my new budget.

Underspent categories

Transport: I didn’t use the cab as much as I thought I would. My wife uses the car cause she needs it for work to run a couple of company errands, but she drops me off at work in the mornings. In the evenings I take a cab to school and then back home. I budgeted a little extra if I have to catch a cab to anywhere else beside school and home. I lowered this budget in the new month.

Donations: I feel bad that this category is underspent. My wife and I didn’t go to church in February, well we did, to another church, but not to our church. Therefore I didn’t spend what I set out to. I’m definitely going to church this Sunday.

Personal: This one is a bit of strange. I usually spend a lot on myself. I guess I didn’t as much this month. Whoop whoop.

Savings: I can’t remember when I posted about the Bank Your Change, a savings initiative from my bank whereby every time I use my debit card to purchase something at a store, the bank deducts an extra amount over and about the purchase price and then puts that money into my savings account. I didn’t reach my budgeted savings for this initiative because I forgot one crucial detail, I don’t do the grocery shopping anymore, my wife does. So I’m not saving as much as I would. I could’ve just transferred the money I didn’t save by using my debit card, but it’s easier to save when you know you aren’t saving.

Well that’s it for February. Not a bad month after all. The Volleyball Tournament my friends and I played was a huge success. No categories have been grossly overspent and my net value is moving in a positive direction. More on that soon and I’ll post my March budget as well.

Until next time. Thanks for reading.

Oh damn, my parents are coming for the weekend

There is a word in my native language that perfectly describes a person who is proud and holds themselves to a higher standard than other people but could also be a bad thing people think you think you are better than them. I looked for the translation and the best I could come up with was highbrowed or high-minded.

My wife and her sister appears this way to their cousins from both sides of their family. When both your cousins from your mom’s side of the family and your dad’s side of the family start calling you highbrowed, you tend to believe it. (more…)

Lazy

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These past two weeks I’ve just been too lazy to do anything. Finally the buzz of the new year is over and I’m back to my old unmotivated self. Goodbye new years resolutions. Hello laziness.

I am just not in the mood to do anything productive anymore. At work I just sit around just thinking of stuff to keep myself busy but I’ve got a pile of work that needs to get done.

At home there are a few things I should be doing but don’t get round to it like fixing the leaking tap, fixing the hinges on the cupboard door and packing away some boxes that are hidden next to the living room couch.

Blogging-wise I haven’t been updating my budget and finances (I have been keeping track though), my back to school post, my goals for 2016 update and just general posts about marriage and friendships I’ve been meaning to write about.

Exercise and eating healthy has also taken a hit. Keeping my price book up to date has been a mission that I’ve failed, horribly. It just hasn’t been a good month this far. I need to get my groove back.

Until next time. Thanks for reading.

Throw Back Thursday – Debt Repayment

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(Edit: Due to some technical difficulties, Throw Back Thursday is late. My apologies)

It’s that time of the week again, Throw Back Thursday. One of the best ideas I’ve had yet, even though it’s not totally original. Each Thursday for the month of January I post something regarding goal setting from my past and this is supposed to help me set my goals for 2016.

My first post was about my life time goals where I discussed what I achieve in the long-term (by 2029, when I turn 40). The second was about my reward list. I have to admit, after that post I have identified a few other goodies I could add to that list. Finally last week I posted about habits I want to either gain or get rid of, mostly to do with health, finances and organisation.

This week’s throw back is about debt repayment. I found a sheet of paper in one of my files. I think I must have come up with this plan right after my place was broken into and they took about everything material I value like my Xbox 360, TV, laptop, iPod and some clothes.

I needed to come up with a plan to get some clothes to just go to work but I had no money. I reviewed credit card and consumer debt situation and came up with a plan to pay off most of it.

It was a pretty simple plan. I was going to commit $2,000 NAD (about $120 USD) per month for the next six months to the repayment of my debts. There was a total of $12,800 NAD ($780.80 USD) outstanding.

Well I managed to close the one account and buy the engagement and wedding ring for my fiancé without making more debt but I couldn’t pay off my credit card and I didn’t have enough money to buy my own wedding ring, so I had to open another consumer debt account for that.

I didn’t make my goal but I think I came pretty damn close. Now I’ve created a new debt repayment plan for 2016 and hopefully I stick to this plan and pay off all my debt and go into 2017 debt free. Below you can see my new debt repayment plan.

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Please note that one NAD is equivalent to $0.061 USD. (Most of my readers are from USA).
The toughest thing about repaying debt is not creating any new debt and actually sticking to the repayments amounts set out. I really hope I get to stick to this.

It’s been a pleasure writing these series of blog posts. Maybe I will start a new Throw Back series soon, but I don’t have much in my archives. Next week I will post my final 2016 goals.

Until next time. Thanks for reading.

Please give me attention

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Ever since we got married I noticed that my wife would start complaining whenever I was doing something on my own at home while she was there as well. She wants me to sit with her whenever she is relaxing in front of the TV or just lying in bed.

In the beginning I had no issues with this. We are still in the honeymoon phase of our marriage and I wanted to spend time with her doing nothing. Now that the New Year has started and I’ve started setting goals and working towards those goals, I feel like I need some time on my own.

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