Results tagged “Finances” from Kazza the Blank One

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.


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.


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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 :(


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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 .. :)


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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...


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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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