Results tagged “Finances” from Kazza the Blank One

.. or not..

Smoke on the 29th

Thursday we watched the live action Aladdin.  It was pretty underwhelming.  None of the charm of the original.  Will Smith's genie was probably the best thing about the movie, and he ain't no Robin Williams.  It felt like watching a Bollywood movie rather than a Middle Eastern one.

Friday Neil and I tried out Malatang Hotpot.  You choose your ingredients, pay by weight, choose a sauce, and they cook it for you.  ok value - my 275g of food was $7.95 or thereabouts (I can't remember the numbers).  They have four sauces in the built in sign above the food, but there were five on the counter (with spiciness ratings).  The ones above don't give any indication of spiciness, so I went with big bone broth, which sounded pretty mild.  And it was.  Neil got the spiciest, which was too hot for me.  I'd be happy to try a mild or maybe even a medium next time.  Biggest problem was the *huge* bits of spinach which made it super messy to eat.  They really need to cut things a bit smaller.

Malatang Hotpot

In the evening I watched My Brilliant Career, which was to be honest pretty boring.  Full of unlikeable characters behaving badly.  Meh.  But with a stoopidly young Sam Neill and Robert Grubb.

Friday night was stoopidly hot and I just could not get to sleep.  Epic grunt.  Might have had a meltdown around 1am.

So was pretty tired on Saturday.  Did a bit of house stuff, and a bit of photo stuff.  Did some food shopping, although I was nervous about leaving the house because it was super hot and very windy.  

Stumpy

As I was cooking dinner (beef stronganoff from an old packet of Mum's), EffanC called, so they ended up coming over for dinner and chatting and snackages.

Crackers

Crackers

Slightly late night but not too crazy.  

Sunday I spent the entire freakin day trying to get caught up on finances, getting bank statements etc to get organised for tax.  Yeah didn't even finish.  #grunt.

But the sweetie did cook a slow cooker chickpea curry for dinner.

Stu's chickpea curry

Monday I took a random day off, had a super productive hour or two of housework, and processed all Ryan's morph photos.  Made several videos for the party.  Later in the afternoon I pointed Picasa at my work photo directory and had it see who was in photos.  Interesting stuff.  It did find a lot automatically once tagged, but the majority it wants confirmation on.  It rather nicely saves all the people in each file into an ini file in the directory, to make for easy extraction later.  But I did forget to do my washing.  Whoops.  Cooking chicken teriyaki for dinner with a packet that was best before the exact same day Dad went and carked it..

Orroral smoke

Tuesday.  Even though last night was *much* cooler, I *still* couldn't get to still til some time between 12 and 1am.  So frustrating.  So zombie day today.  Salmon for dinner.  And then Stu challenged David to fix our two digital radios which stopped working last year.  And he did.  Because he's the most awesomest brother ever.  Also fun: we were both labelling photos from flights across America.  Me from late 2000.  Him from early 2020.  Fun times.

And there's a reason I don't tell Certain People stuff - cause whenever I do they basically tell me I'm doing it Wrong and make me feel dumb.  Le sigh.

Paper bills are easy.  You have them on your desk, and you write on them when you pay them.

But electronic ones.. 

Aside from getting lost in the clutter of email I get every day (which I've remediated somewhat by automatically filing important ones into a "To Action" folder), you have no way of knowing if you've paid them or not, without hunting through bank statements.  So painful.

I do like having an electronic copy, as it does save paper and scanning time, but I really need a better system of processing electronic bills.

Some bills I pay by direct debit, and some that are fixed get an auto payment.  But some billers make it very difficult to setup direct debit (this is 2018 I should NOT need to have to fill out a paper form!!).

So fun times.

Not.

Other than bill nonsense, I was pretty impressed that my Monday night routine including doing my washing, cooking, eating and cleaning up after dinner was done by 7pm.  The sweetie helped cook which was nice :)

Then I watched a special Dad taped off tv back in 1988 about the Bicentennary.  At least part of it anyway.  And finally finished a 2000 piece jigsaw I've been working on for what feels like ages.

Oh, and I set a new high score for myself in 2048 - 80200!

Productive evening

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This afternoon had carpet cleaners come by to clean this enormous space

Lounge room
They said this was an easy job, as they usually have to move furniture around.  So they did the lounge/dining/study/hall/bedroom in half an hour!

Then ploughed through my Monday night housework.

Paid some bills.

Backed up my computer.

And did my tax.

Charting

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Have been charting our mortgage balance over the past eight months.  It looks relatively healthy when it spans only $100k .. but over the whole thing it doesn't look like it's moving at all :(

Mortgage

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Finally updated my spreadsheets for the last couple of months of my Sydney loan tonight. 

In the seven and a half years I had the mortgage I paid $78k in interest, and interest rates went up 17 times from 2002 to 2008.  They started to go down again right at the end - just in time for our new mortgage heh.  My old mortgage had a higher than average interest rate, but there were no fees, no charges on using any atm, no charges on withdrawing cash from the credit card account, and elegant simplicity with the way the interest and credit card worked.  Their internet banking (or lack thereof) sucked donkey balls though, and the only improvement in the eight years was to allow Bpay.  The interface never changed and I was never able to transfer money to other accounts.  I was with Homeloans Ltd with finance from ING if anyone cares :)

The charts looked pretty cool, with dips and peaks where things like small loans to/from relatives, holidays, termination payouts etc took their toll.

Mortgage chart

And the interest rate graph for the same time period looked pretty scary..

Interest rate graph


So now we start all over again .. :)

Slash

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So the Reserve Bank slashed interest rates by a full 1% today.

The Australian dollar has dropped significantly against the US dollar.

Banks are merging.

At the moment I'm just a little freaked out about the financial world.  As one might be wont to do after buying a house in the current financial climate. 

Now I know that unless one of us gets made redundant and house prices fall significantly that we shouldn't be affected too badly by all of this.. and indeed the interest rate cut will make a big difference to our repayments in the beginning.. but I just can't help feeling a little scared.  And it doesn't help watching videos like this one...

Finance

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Tony came over tonight to discuss finances.  Apparently we could borrow an insane amount of money for a house.. but don't think we'll be borrowing anywhere near that heh.

So now house hunting begins in earnest....
Kazza's "Boring Life Of a Geek" aka BLOG

IT geek, originally from Sydney, moved to Canberra in 2007. Married to "the sweetie", aka Stu. Prolific photographer, Lego junkie and tropical fish keeper.

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