On my journey of living with what I find essential, this is my second room. I have finally finished. And I feel good when I walk into this room. I am actually using my desk now for my laptop instead of having my laptop and cord making a mess in the lounge A good tidy up and clear out really clears the clutter from the mind too 😉 #arthritisgirlnz
Did you know.... Pay your insurance premium yearly and its cheaper... I'm going to save $50 a year Order flea treatment with Animates and get it delivered every 3 months for free and get 15% off... I'm going to save $40 a year That is an extra $90 a year that I can put towards other things If I save a few dollars each week towards these, your balance grows for when I need it 😉😉😉😉 #arthritisgirlnz
My visual motivation for 2021.⠀ ⠀ These free charts that I found online from Debtfree Charts. ⠀ ⠀ https://buff.ly/386PgKy⠀ ⠀ They have heaps that you can colour in as you progress towards your goal.⠀ ⠀ My two goals are paying of my student loan and saving.⠀ ⠀ These are on my fridge so I see them many times a day to keep me motivated⠀ ⠀ #arthritisgirlnz #goals
Some of you may be wondering why I focus Alot on money and not my health in my blog.⠀ ⠀ Money or how I use it or lack of it causes stress.⠀ ⠀ Stress causes my health to increased pain levels, headaches and major depression.⠀ ⠀ I change what I can change, what I can fix.⠀ ⠀ I have accepted that my health issues are here for good, I cannot change that.⠀ ⠀ But I can change how I react to life, in order to create a better life living with my pain and health.⠀ ⠀ #arthritisgirlnz #deepthought
One thing about tracking your spending....⠀ ⠀ You can see what blows your budget.⠀ ⠀ Mine was Internet usage... Because of Netflix I was using 120GB every two weeks, which is my monthly plan.⠀ ⠀ In the No Spend Low Buy challenge....⠀ ⠀ I have reduced to 60GB a month and cancelled Netflix.⠀ I've gone back to watching more free tv⠀ ⠀ #arthritisgirlnz
2021 Steps to take⠀ ⠀ Stop smoking from 2nd January 2021 to increase my financial situation⠀ Set up a realistic budget and record expenses in my diary (more info to come)⠀ Continue to earn gift cards from my surveys to increase my income for gifts⠀ Set monthly goals/challenges and proactively work towards achieving them (more info to come)⠀ ⠀ #arthritisgirlNZ #2021
2021 Challenges (to be worked through a month at a time)⠀ ⠀ Stop Smoking⠀ No Spend/Buy Low each month⠀ Save $300 each month⠀ Focus on what I can change (how I react to circumstances), not on what I cannot (Health, for example)⠀ Live/work with what I have⠀ ⠀ #arthritisgirlNZ #2021
Ultimate Long-term Goal – Freedom & security⠀ I want to be free to be who I am, without worrying what others think.⠀ I want a future where I feel secure and do not have to worry.⠀ ⠀ 2021 Financial Goal⠀ Save $3000 into my Emergency Fund⠀ Save $500 total for Christmas 2021 in my Warehouse/Countdown Xmas Clubs⠀ Save $500 total for my 2022 South Island trip⠀ Save for yearly Car rego/warrant costs⠀ Save to make my Car Insurance a yearly expense, not fortnightly⠀ Save to make my Life Insurance a yearly expense, not fortnightly⠀ Save for KiwiSaver – until now I have never started or been in a position to start one⠀ Pay debt - WINZ – grants for clothing and glasses⠀ Pay debt - Student Loan over $10K⠀ I also want to save to get my teeth fixed – not sure how to sort this out yet⠀ ⠀ #arthritisgirlNZ #2021 #2021budget
A new year⠀ A new diary⠀ A new plan⠀ A new job⠀ A new budget⠀ A new set of goals⠀ A new challenge ⠀ A new life⠀ ⠀ Details coming soon... ⠀ ⠀ #arthritisgirlnz
My goals for the first month of 2021...⠀ ⠀ - Save $200⠀ - Pay Student Loan and WINZ debt⠀ - No spend month.... Only bills get paid and buy essentials, so I can crush my savings goals⠀ ⠀ #arthritisgirlnz #goals #2021
2021 is going to be a year of change...a new job, change in budget, and I have decided to start working on my goals and bucket list journals in preparation...⠀ #arthritisgirlNZ #goals #2021 #BucketList
I recently found that I had missed paying a week's rent last December.⠀ The beauty of having my Emergency Fund, it was worries to just transfer the money to pay.⠀ Feeling very happy that I had my savings.⠀ You just never know⠀ ⠀ #arthritisgirlnz #emergencyfund
IMPORTANT MESSAGE -⠀ ⠀ In case you do not know, but you can now get your prescriptions for FREE at Countdown.⠀ ⠀ YES - FOR FREE!!!!!!⠀ ⠀ That saves me $80 at least a year!!!!⠀ ⠀ #arthritisgirlNZ #MadeVisible #chronicIllness #goals #budgeting #money #finance #blog #lifejourney
Check out my July update post.⠀ A load of changes have been done and I have been very busy, even though I haven't been posting.⠀ ⠀ www.thekiwinana.com/post/july-2019-update⠀ ⠀ #arthritisgirlNZ #MadeVisible #chronicIllness #goals #budgeting #money #finance #blog #lifejourney
Hello everyone,⠀ ⠀ I have added two posts to my blog this week -⠀ 'Mindset - thinking straight' & 'TOOL FOR LIFE - Live with Intention'.⠀ ⠀ Feel free to follow the link and check these out.⠀ www.thekiwinana.com⠀ ⠀ #arthritisgirlNZ #MadeVisible #chronicIllness #goals #budgeting #money #finance #blog #lifejourney
CLEAN SLATE UPDATE -⠀ So its the day after payday and I can feedback to you that my bank accounts are no longer in overdraft and I have bought my last packet of cigarettes and patches/lozenges at the ready after I've had the last smoke. So my budget is ready to go from next week June.⠀ ⠀ Other things to do this week - clean the lounge & follow through with no smokes⠀ ⠀ #arthritisgirlNZ #MadeVisible #chronicIllness #goals #budgeting #money #finance #blog #lifejourney
NEW POST - Life happens and we can often feel lost.⠀ This latest article can help with pointers on how to turn that around.⠀ ⠀ #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand⠀ ⠀ https://www.thekiwinana.com/post/feeling-lost
Welcome to May!⠀ I am back and with the new month I have made some changes.⠀ ⠀ My blog is now known as ‘ArthritisGirlNZ’ and I have changed my study plans to opt out of being an Accredited Financial Adviser. I am still studying my original certificate but am mainstreaming in General Insurance and Lending now.⠀ ⠀ I had to take some time out for my sanity for a while, but I am now back to bring you more news and articles, in between study sessions.⠀ ⠀ So, have a good month and I will be in touch soon.⠀ ⠀ #arthritisgirlnz #MadeVisible #chronicIllness #ptsd #depression #budgeting #arthritisnz #personalfinance
I have to be honest - March sucked.⠀ I just had too much to deal with and I lost my way to be honest.⠀ So starting today, I am recapping, revamping and restyling.⠀ https://buff.ly/2G2nWO6⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
This is why I do all my surveys and scan my groceries to get my rewards.⠀ I just spent a $50 voucher at the Warehouse, earned from Nielsen's Homescan.⠀ ⠀ As for this month, my goal is work through my to-do-list to get everything done that needs to be done.⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Life has been all up and down during March, so I did not achieve anything that I set out to do budgetwise and lifewise.⠀ ⠀ But the good thing about a new month, I can start all over again. Check out my to-do list for the month, it sure is going to be busy.⠀ ⠀ A to-do list helps to sort out life, get things down on paper and get things done. I love lists⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
The reason I bang on about money & budgeting a lot is because of the cost of living.⠀ ⠀ The cost of living puts stress on you to be able to make ends meet and by watching how you spend your money, it can help you to hopefully alleviate a part of that stress.⠀ ⠀ I have posted before about the cost of food and how I utilise the New World and Countdown apps to work out my shopping for the week.⠀ ⠀ But now there is also the PaknSave website available. You can now click & collect or use their website to check out prices.⠀ ⠀ It has been a long time coming, I heard about 3 or 4 years ago that this was coming, so am totally psyched that it is finally here. ⠀ ⠀ Comparing prices is a great way to make that food budget stretch. A bit of time spent before each shop can really help your budget stretch further.⠀ ⠀ https://buff.ly/2uqU34R⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Another week almost over and I have totally failed on my goal for this month of not buying junk food, and my I was notified today that my rent is going up in May.⠀ So today I am relooking at the old budget and contacting WINZ to find out where I stand.⠀ Failing at goals is nothing new, we are only human and we can only do what we do. I will get refocused again next month for another way to challenge myself, not sure yet.⠀ And today’s notification of my rent increase is a typical example of how life changes and we have to rework the budget to carry on. ⠀ I live in a nice 2 bedroom unit, which suits me perfectly, I can have my cat, warm in winter and cool in summer, everything I need in a home. So I really am not really wanting to move, so I will spend the day seeing what I can do from here. ⠀ I will report back once I know what the verdict will be, until then, keep positive people, tomorrow is another day ⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Sinking funds are essential tools for your budget.⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand⠀ ⠀ https://buff.ly/2HDRggt
Everybody had their own mental health story, but this is mine.⠀ ⠀ I write it with the hope that this will educate others on mental health.⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand⠀ ⠀ https://buff.ly/2THvSNV
Not convinced that you can save money on food - check out 'Eat Well for Less'.⠀ It is set in Britain, but TRUST ME, if you watch just one episode and see how swapping products can save you money, it is worth watching.⠀ ⠀ https://buff.ly/2T3ud0y⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
I am a grandparent of two beautiful little girls and I love them both dearly⠀ I have learned a lot since September when the youngest was born.⠀ Here is the story so far⠀ ⠀ https://buff.ly/2Uvor9B⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Living alone is not all that bad.⠀ People always ask me what it is like or how do I do it.⠀ This article explains what it is that I get from living alone.⠀ Trust me, I get a whole lot, I love who I am living alone.⠀ ⠀ https://buff.ly/2H6J4Wy⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
FEBRUARY UPDATE: ⠀ ⠀ February was a massive month for me.⠀ ⠀ Changes included:⠀ - Got internet installed which took care of $150 of last month’s savings – next door are changing plans/providers so I needed to get my own.⠀ - Updated car insurance and got contents insurance, both are now with Tower with better coverage and they provided me with a good deal for my needs.⠀ - Some of my transfers to my sinking funds or various accounts changed to cover my new payments for internet, insurance and changing goals (Leigh’s bonus bonds, saving $1000 now for assessment to become accredited & saving $500 for the OH SHIT account etc.)⠀ ⠀ END OF MONTH CARRYOVER BALANCE; $207.45 – down a bit from last month, but I’m on track to get everything paid. Have car registration due and I need to renew my driver’s licence, so have money for that this month.⠀ ⠀ Everything got paid that needed to be paid, even if I had to tweak everything a little.⠀ ⠀ If you would like to see how my budget is worked out, check out my “Personal Budget” post, it will provide all the stuff that goes on behind the scenes.⠀ https://buff.ly/2TpECbi⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Living with arthritis has it's challenges.⠀ This article lists all the changes with links to finding some kind of way through the darkness back into the light.⠀ https://www.thekiwinana.com/post/arthritis-and-its-reaction⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #arthritis
Having goals gives my life purpose.⠀ Having purpose gives my life meaning.⠀ Having meaning gives me a full life.⠀ Having a full life gives me joy.⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Last day of the month - setting up for next month.⠀ ⠀ Also I heard today that my blog will be appearing on Arthritis NZ website, so totally stoked about that.⠀ ⠀ My new group KiwiNana - Budget Family is now open with posts on budgeting and all things financial.⠀ https://buff.ly/2H6DjaL⠀ The Money Challenge group is getting set up for March's Challenge⠀ https://buff.ly/2EC3e8g⠀ ⠀ My goals for March -⠀ * Spend no money on junk food.⠀ * Start saving for my $500 Emergency or Oh Shit Fund⠀ * Start saving for my $1000 Assessment that I need to be an Accredited Financial Adviser.⠀ * Start buying $40 a month in Bonus Bonds to pay my son back (officially started this week, but I will continue to do so).⠀ * Continue to study and continue to blog⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #ra #arthritis #ptsd #depression #mentalhealth #goals #budgeting #living #thriving #finance #personal #nz #chronicillness #challenge
SECOND big announcement for the day….⠀ ⠀ There is a new group – The KiwiNana Budget Family.⠀ I will be posting regularly your step by step guides for – ⠀ - Creating a budget that works for you⠀ - Creating a plan to get out of debt & stay out of debt⠀ - Creating a savings plan (sinking funds – emergency fund)⠀ - Evaluating your current financial products (accounts, credit cards, etc.)⠀ - Evaluating or creating your financial plan for the future⠀ - Staying on track payday after payday⠀ - And many other tricks that I am using myself.⠀ ⠀ So just head over to my group page and join in for the fun to start officially on March 1st.⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #ra #arthritis #ptsd #depression #mentalhealth #goals #budgeting #living #thriving #finance #personal #nz #chronicillness #challenge⠀ ⠀ https://www.facebook.com/groups/thekiwinanabudgetfamily/
FIRST big announcement of the day….⠀ ⠀ Starting 1st March – the current February No Spend Challenge group will change its name to 'March Makeover Challenge'.⠀ ⠀ For the month of March try to find –⠀ ⠀ - An alternative for one thing that you spend money on for the month - something that is a cheaper version of what you normally buy.⠀ ⠀ - Something that you normally buy – go without it and save the money.⠀ It is totally your choice of challenge.⠀ ⠀ And that is the point – it is a CHALLENGE – so challenge yourself to do a makeover of your current spending habits for the month.⠀ ⠀ Make a change….I personally will not be buying junk food for the month and will save the money instead. Yup that is my goal…..gonna be hard ⠀ ⠀ So hopefully I will see you all again next month – come on – push yourselves!⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #ra #arthritis #ptsd #depression #mentalhealth #goals #budgeting #living #thriving #finance #personal #nz #chronicillness #challenge
Often life ticks along smoothly, no changes - just the mundane repetitiveness of everyday norms and sometimes things happen to make you change what you have found yourself accustomed too.⠀ ⠀ Which brings me to todays update from the KiwiNana-ArthritisGirlNZ HQ.⠀ ⠀ I have just realised that I first started this journey just for 'ME' - I am my WHY; why I am her, why I started, why I want to watch how I spend, why I am on my budget or why I get out of bed in the morning.⠀ ⠀ Also I have spent $148 to get reconnected to the internet in my home - having been using the neighbours - things a going slightly awry with our previous friendship (long story) so have decided that I truly wish to be independent and self-sufficient once again.⠀ ⠀ On Friday I also finally sorted out some new contents insurance & resorted my current car insurance to the same provider. It is costing me a bit more, however I now have been coverage and feel that I am better prepared should something happen. I didn't have full confidence in my last car insurance provider & my study made me second guess some of the financial products that I have been utilising, hence a new provider & policy.⠀ ⠀ So effectively - you may think at times that you have life all planned and set out, but if things crop up that you were not contemplating - just be open to the idea of taking stock of life and making changes if you need too - life is not set in stone⠀ ⠀ #thekiwinana #arthritisgirlNZ #MadeVisible #budget #life #nz #finance
Feeling like an Alien?⠀ My true story of my mental health express.⠀ Full disclosure - this is what is going on in my head - what I have lived with.⠀ https://www.thekiwinana.com/post/feeling-like-an-alien⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Need budgeting advice - check out the budgeting system that I've been using now and I have managed to make my small income work for me - instead of me working for my budget⠀ ⠀ https://www.thekiwinana.com/post/tool-for-life-payday-to-payday-budget⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Work out who you are - what you love, loathe or cannot live without.⠀ A list of questions to ask yourself⠀ ⠀ https://www.thekiwinana.com/post/tool-for-life-who-are-you-really⠀ ⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Today is Wellness day for both the cat and myself. She gets treated for fleas & I get my monthly blood test. Neither of us like it, but it has to be done.⠀ ⠀ Today also marks the half way mark for February goals; No Spend Challenge, my budgeting and goals.⠀ ⠀ Am doing good with the fixed expenses (rent, savings etc) but my variables - ⠀ Food $56.03⠀ Power $19.04⠀ Saved $180 for emergency fund - Got two months worth of gas yesterday to make the most of Z's 10c off a litre for Valentines day - saved just over $2 on a $40 top-up. Doesn't seem like much to some, but over a year, it adds up to a free $40 top-up if I do it right.⠀ ⠀ Looking good for my survey hustles - got over $90 saved up for me to decide how i want to cash them in; PayPal or vouchers.⠀ ⠀ In the process of looking at better car & contents insurance, still working out who to go with. I am hoping to get good cover for my needs, without paying the earth for it.⠀ ⠀ Have bought nothing this month so far that is not necessary or just because I want it, so I am on track with that. Two weeks left - pretty sure that I can do it.⠀ ⠀ I am proud of what I am doing and my confidence in myself and my future grows more & more each day.... www.thekiwinana.com⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
A year ago today, I got the best Valentine's pressie.⠀ ⠀ I was told that I was going to be a nana.⠀ ⠀ I tell ya, it was the best feeling - I was absolutely blown away. I got all teary eyed at thought of it.⠀ ⠀ I love being a mother and I love being an aunty - but a nana?!⠀ ⠀ That rocks!!!⠀ ⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Some days you just cant get ahead. Another pay day another lot of bills paid and money saved.⠀ But another bill arrived - one I had forgotten about - drivers licence renewal next month. Never mind - just add it to the list of things to do.⠀ Along with my study this week and this blog, I am doing a check up on my cash management products, my lifestyle enhancement, my lifestyle protection and wealth distribution needs. ⠀ Yes, new terms that I have learned from my study. I will be getting more information on those soon, over on my website, so go & sign up for my newsletter on www.thekiwinana.com⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
In amongst life's business, crap or fogginess, we forget about the future.⠀ Try to think about your future - what do you want in your future?⠀ What do you want to be your legacy?⠀ ⠀ Tough questions right? Took me a long time to work it out myself.⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
I shudder to think what my life would be like if I didn't have animals in my life to travel my journey with me.⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #mentalhealth #lifestylenz #personaljourney #nz
It is not just enough to have a budget to get through the week.⠀ ⠀ You have to make you budget work for you.⠀ ⠀ This week I only needed to pay for rent & power - so I saved $180 towards my Emergency or OH SHIT Fund.....feeling rather happy.⠀ ⠀ An Emergency fund is essential to not blow your budget, should something unexpected arises.⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
As quickly as you can, find $1,000 and save it away in its own account. ⠀ Sell stuff you don’t need - that's what I did.⠀ ⠀ $1,000 is a great starter safety net or Emergency Fund. You may want more or less, depending on your circumstances, but $1,000 is a great start. ⠀ ⠀ I call mine - "THE OH SHIT FUND" and save money in there when I can.⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Anyone to learn about budgeting in New Zealand? A budget course to your email? #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
Welcome to my February calendar. You can see that I have a lot on this month. ⠀ NO SPEND MONTH - I am doing The Kiwi Nana No Spend Challenge. ⠀ I am heading to Auckland tomorrow for the week and I also start study on Monday. My first paper towards my certificate in Financial Services. Exciting month. ⠀ ⠀ Does anybody else have any major things happening this month? Please share, I would love to hear from you.⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
This is my WHY! ⠀ My grandkids Aaliyah & Paisley are MY reason to ⠀ - get out of bed ⠀ - to take care of myself ⠀ - to watch my budget ⠀ - to watch my health ⠀ - to make a life that makes them proud⠀ ⠀ #the_kiwi_nana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
I promised when I started this blog that I would be totally open & honest.⠀ So here is how my bank accounts are looking today – the last day of January 2019.⠀ ⠀ This month I paid -⠀ Rent – 1450⠀ Blog/Education costs – 139.52⠀ Food – 130.17⠀ Power – 51.98⠀ Car expenses – 22.80⠀ Medical expenses – 288.90⠀ Clothing - 6.49⠀ ⠀ Total sum in all my sinking funds (as per photo) $240.66⠀ ⠀ Goals complete – Cat to the vet – paint for the side tables – flea & worm treatment for the cat – stick to budget – EVERYTHING ACCOMPLISHED.⠀ ⠀ FEBRUARY GOALS – ⠀ ⠀ I am doing the Kiwi Nana No Spend Challenge – but I am doing it differently - No spending on Monday & Wednesday each week AND No spending on non-essential items – money will only go to rent, food, utilities, blog, car, medical.⠀ ⠀ Also saving $140 into my Gift Sinking Fund for the month.⠀ SO BRING ON FEBRUARY TOMORROW ⠀ ⠀ #thekiwinana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #newzealand
7 years ago today - I lost my 2nd brother in a car accident⠀ 7 years ago today - started the last few days of every being able to work again too.⠀ I came across other car versus truck accidents those last days.⠀ I also had a lady cut me off with her kids in the back, if I didn't break her kids would have been dead too.⠀ I needed to get out - get away - get my mental & physical health back.⠀ 7 years is a long time - I thought that I would have been back at work by now....things certainly change.⠀ ⠀ #the_kiwi_nana #arthritisgirlnz #MadeVisible #chronicIllness #goals #budgeting #lifestylenz #finance #personal #journeynz #nz #newzealand
#arthritisgirlnz #the_kiwi_nana #the life #lifeinnz #mentalhealthsupport