This is not a paid advert or collaboration, just me finding a great deal to pass on.
I have tried all year since reading the Barefoot Investor to find savings where I could through reviewing our bills and that with other providers and even had power panels installed through an interest free payment offer.
One of the bills that has been bugging me, is my pet insurance for Dusty, I know many think it is a waste of money to insure your pet but it is something that could help save big costs. With Dusty's breed of cat, we were recommended by a vet nurse to get insurance and go through Pet Plan.
We signed up a policy when he came to live with us going on 2 years ago to this date and at the time the plan was great and affordable at $36 roughtly a month. But once the 12 months were up the policy jumped up, and then up again and now is sitting around the $63 a month, almost doubling and I am no longer feeling confident with our policy. We haven't needed to use it yet but it was a large cost that had doubled for almost no reason.
So I was on Kogan the other night looking for a gift for Russ for Xmas, when I saw an advert for pet insurance and was curious. I was intrigued by the first month free, but also that the plans looked similar to what I was paying currently with Petplan but at a much lower rate.
I signed up and emailed to cancel my petplan and pray that Dusty doesn't get sick and needs a vet, but at least if he does we have cover.
Best of all, it is now only $39 roughly a month instead of $63 and to our budget and pocket that is a big saving!
I am interested in learning more about their mobile and internet plans, 2 years until our contracts are up but never too early to research options.
That is our power reduced, our pet insurance, our car insurance and our home and contents insurances this year, I think I have done well to make a little savings in each policy.
I always feel productive when I have done some adulting, Russ is even happier if it comes in under budget. Or when Xmas comes early...
He was so stoked and keen to stumble across his Xmas gift early from ToyDeals.com.au
Oh and as for Russell's Xmas present (the whole reason I was on Kogan to begin with), I ended up finding it on a different site for $30 cheaper, it arrived on his day off and he opened it and started setting up before I had realised, so now he has his Xmas gift and he loved it. It was a pokemon go lego like (mega construx) and was a big gyuarados (the evolved form of Magicarp) so Russ has been happy. Found it on ToyDeals.com.au for $30 plus post, but still was cheaper than most sites, quick to arrive too (couple of days too). also not a paid mention, just a damn good find!
Disclaimer: I was not paid or asked to write about this, I found and paid for this plan myself and thought it was a great buy to pass on to you, always read the PDS to make sure the product is right for you.
This post is a collaboration between Feeling Ostomistic and Electricity Monster
You might recall from my post earlier in the year about "18 goals for 2018," that I wanted to find ways to reduce my bills/expenses - especially power - and that I wanted to do my bit to save the environment (such as getting solar panels installed and reducing my waste). I had read the Barefoot Investor and was determined to implement changes and see better financial stability this year.
Last year our bills were up around the $1000 a quarter mark, it was definitely a huge expense for us and each time the bill was due it was a stressful time.
Our March 2017 bill
I thought getting solar panels on would reduce my power bills dramatically and had hoped the huge outlay of costs would help us reap the rewards of cheaper power. We'd hoped we would see the value of our investment almost immeditately, but several months on we weren't yet to see a change in our bills or power consumption.
Our bills were still between $500-$1200 a quarter!
Our March 2018 Bill, had reduced but still large
I was determined to find better deals and had tried to compare all the companies individually, but with my health and not having much attention span due to medications, along with not quite understanding all the charges and components of the bill and how to accurately compare, it was becoming a rather daunting and overwhelming task... so it was put in the "too hard basket".
I wished I had of known then that there were power brokers like Electricity Monster that existed!
It wasn't until this week that Russ was really wanting to get the power sorted, especially as it is heating up in the lead into Summer, when we would be using more air-conditioning and power (due to health reasons I struggle in the heat so need the air conditioning).
Our March 2017 Consumption per quarter
Our March 2018 consumption per quarter, was reduced compared with 2017 but wanted it to be better
I can excitedly say that finding and comparing plans was so easy!
Electricity Monster are brokers for power and can help you find a better deal, even for internet plans too! And the process is so quick and seamless.
After paying almost thousands each quarter, the idea of not having a bill or if we do have end up with a bill it would be a very small bill, it is all very appealing.
I checked with Russ to make sure he was happy with the proposed new plan, and he was. So off we went changing providers, and we didn't have to do anything, Electricity Monster did it all for us!
While the existing Simply Energy account offered a 20% pay on time discount, we are only being offered a 12% pay on time discount with Power Shop. Although the discount was lower, the usage rates and supply charge after discount were pretty much the same. The real saving was made in the higher feed-in rate I was receiving for the excess solar I feed into the grid. So although I was already on a competitive rate with Simply Energy, by calling Cyrprus I was able to make my solar system work harder for me and in return look to reducing my electricity bill in the future.
But I am just so happy with how efficient she was at comparing all the deals out there and finding ways to reduce our bill to the point we shouldn't get a bill and if we do it will be minimal, and best of all I didn't have to do anything except send her a copy of our bill via email.
Wanting to try the service yourself?
It is absolutley free to do so, do check with your current provider if you have any locked in contract or any exit fees, thankfully it wasn't costing me anything to change and I am not locked in with Power Shop or have exit fees too, so if I find in 6 months it isn't working out I know I am not obliged to stay, but if the bills remain as small and minimal as we are expecting I shouldn't have a need to change.
I spoke to Cyprus who was a really knowledgable broker who has been in the energy business for a while, so she knows what she is talking about. She also deals in internet brokering too. You can reach Cyprus on her direct line 1300 232 848 or via direct email and feel free to let her know I sent you.
I really hope that you too can save money just like I have and I am excited at the thought of cheaper power bills (aren't you?).
Disclaimer: Whilist this was a collaboration between Feeling Ostomistic and Electricity Monster, all the experiences and opinions are entirely my own and based off my own experience of the company. I would never share something I haven't and don't use myself and this service helped save me hundreds each quarter off my power bill, and I genuinely believe you could save too
I know I have chirped on and on (and on) about how we are struggling financially and that I am concerned about when I die and if Russ can manage it on his own. I know you're probably sick of hearing me go on about it, but it honestly is so stressful.
It is hard being on one income, I know it is overwhelming for Russ too.
So last week we got a letter from our bank informing me that as of today (the 12th) our mortgage will be going up $500 a month.
This really scares me.
Not only do I not know where I am going to pluck that extra $500 from this month considering we are already halfway through the month, but that I really am so stressed and upset.
Yes, I acknowledge my priviledge in that we have our own mortgage, but even when we were renting things were hard and the rent assistance really made the world of difference when it came to our budget. But it doesn't mean that things instantly became easier when we got out mortgage. I didn't realise how much harder it was to have your own place.
I see how worried Russ is over this and I know he is on the fritz of losing it as it was before this letter, now he is just even more stressed. I feel so guilty, I know it isn't my fault and that I couldn't help getting sick but it is my age old issue with that I should have gotten life insurance earlier or made more of an effort to do extra super contributions when I worked as it would mean I have more than $3000 in super.... which I am still fighting to get out mind you.
That is a fight for another day.
Yesterday I got a copy of Barefoot investor in the mail (thanks to a beautiful friend buying and sending me this copy) and started reading it, I have heard everyone rave about it and how effective it truly is, so it gives me hope for the first time that maybe I can get things under control this year.
So many have raved about the books!
It is one of my goals to get things neater for Russ, I don't know how much time I have and I think it will just be a massive peace of mind to know it is under control.
We have our mortgage, debts, car loan plus our other bills. So I try each year to review things to see if there is savings to be found, so I am hopeful that this book will help me even more.
Plus, it is one of my goals to read more too, so this is already tackling my goals for the year.... maybe this year is getting off to a stressful start but it might be turning around? Always hopeful that things will get better, surely they have to?
A friend has put me in touch with a broker and hoping we can find a new bank with a better rate and can consolidate our debt which will mean freeing up a lot of weekly expenditure and might mean we can afford to start saving.
So tell me, have you read the book? Did it help you? What was the biggest take away you had from it?
I will let you know when I have finished reading it and what progress I make.... until then, wish me luck!
We also got Solar Panels on recently, they had a 5 year interest free offer, so we are really hoping that on our next bill we can see a difference, otherwise I am going to be rather upset. Russ assures me we will be better off and that it will improve the value of our home too. Do you have solar panels and do you see a difference? Next bill is March, so will let you know if there were savings to be had.
As always, thank you for listening and wish me luck as I tackle this mammoth task!
For most of the families or couples I know, live on a budget and it is often paycheck to paycheck. I know this is the case for my husband and I aswell.
It wasn't until my husband lost his job in 2012 (when his employer went into administration) and at the same time my hours had been reduced from 24 contracted hours weekly to 4 (unless I picked up extra shifts), so I had to learn quick smart a) how to budget, b) how to make the money we have from each pay count and c) how can we manage when there is more money going out than coming in.
Up until this point, I had never created a budget. But once I had, I saw how much EASIER it made managing the bills, and three years on I am still finding the success it has helped us to better manage our finances.
I wrote a list (table) of all the money that we had coming in, and all of the money that needs to go out on bills and also allowing for food. Because of how tight things were I didn't allow for things like shopping, movies, going out for dinner or date nights as these were 'luxury expenses'.
My expense list looked something like this: (NB: this is an example only)
Then there were the yearly bills like car registration and CTP Greenslip (so roughly $1000 annually) which I put $20 a week away into a seperate savings account so that we had the money there when we needed to register the car.
Up until the last month, I have been paying the same amount in bills as I had done 3 years ago. But it got me thinking that IF I reviewed my current bills what potential savings could I find?
Reviewing the mobile phone plans:
The first thing I reviewed was my current mobile plan. I thought years ago (when I worked at a local Telstra Business Centre) that the best plans for value were the ones for business customers, so the last however many years I have been paying a lot when I was barely getting any value. And being in the country, I needed to have the best mobile coverage so it kept me loyal to telstra.
Turns out, if I went back to being on a consumer only plan I can be paying less a month with unlimited calls, unlimited SMS and a whopping 6 GB of data (considering I went over my previous 1GB allocation each month, this was exciting). I also was given 25GB as bonus data during my first month and I could also get an iPhone 6 for less than I was paying previously!
With this new plan, it also meant that if my husband transferred his phone account into my name, and if it were on the same bill as mine he could drop down to a $50 a month plan with 2.5GB of data (when added to my data we now have 8.5GB to use each month) and he gets $1000 in call allowance too. We saved $50 a month in my husband's plan alone, and $60 a month in mine so $110 a month in total!
Reviewing your bank accounts:
I have found before from my own personal experience and from working in a bank, that it is good practice to review your loans and bank accounts at least annually, as circumstances change it is important to ensure that the loan and products are still working the best that they can for you especially as the interest rates are always changing.
I recently reviewed our Personal Loan we took out when we purchased our car, and found that the current interest rate we have is almost 3% lower than the current rate offered.
However, while we haven't saved any money from reviewing the loan we are in the process of hoping to buy our first house and have plans to incorporate that loan into our mortgage, which will mean we save $135 each week.
It is also important to give your loans a health check to make sure that you are still covered with the protection side of things, not only does it offer peace of mind if you were to become sick, to lose your job or pass away, that if you're eligible for the protection it is worthwhile having. I know I had to use the insurance side of my loan and credit card when my husband lost his job and the payments were covered for 3 months. Going off of our loan, that was a saving of $135 a week or $1620 in total that was then able to be used towards other bills.
Credit Cards and Balance transfers:
I know how hard it can be to fall into the trap of having a large credit card debt, and no matter how much you're paying in repayments each month it still feels like you're being killed by the bank's interest rates!
I have learnt over the years how to save money on your credit card, and more importantly how to make your credit card work for the best for you. (keeping in mind that advice is general based on my own experience and you should always consult financial advice and read the Product disclosure statements)
With the Credit cards, sometimes it can feel like you can never get in front of the repayments, and when times have been tough I had a balance transfer of our credit card and it helped us save so much money! The benefit of the balance transfers is usually the banks offer a promotional period say 12 months where they won't charge you interest on balance transfers during that period.
We did this on our bankwest credit card for $5000, and we were able to budget and pay it off in a whole year! We set a minimum of $50 a week payment and if there were weeks where we had the $100, we would pay that amount.
By doing a bank transfer we were able to save ourselves paying 19% interest p.a on the credit card, and it means that we now saved ourselves approx. $915 p.a in interest!
Reviewing our Home insurance:
A few months back, I was speaking to a friend about "adult things" which included talking about insurances and stuff. She told me that she was paying almost HALF of what I am paying, and she was the same age just different suburbs.
I always put down the fact that our insurances cost more than my friends was that it apparantly "floods" and a "high crime area", so I never thought anything more of it.
So I started to shop around and get quotes, and while I found a few that were happy to offer a cheaper rate it came at the risk of "due to the known risk of flooding, we will insure your property excluding flood". Knowing my luck (since I am not THE MOST LUCKIEST person that it would flood).
So I went back to our existing insurer whom we were currently paying $3000 a year in premiums, and said we were looking at going elsewhere unless they could help us with a better quote.
They came back and said as we were only renting we could have just contents insurance. Imagine my surprise when it came in at only $612 a year! That was less than $60 a month and less than $15 a week! We were paying $250 a month before or $60 a week! So we saved ourselves over $2300 a year!!
Reviewing our Private Health Insurance:
I know in the past when things have been a little tight, my private health insurance (along with my car and home insurance) were some of the expenditures I was willing to let go. Not because I felt I didn't NEED them, because I did but because it was an expense I couldn't justify between meaning if we have insurance for this week or if we ate food this week.
There was no doubt the struggle was (and for many) real, and I know how important it is for your money to be spent in the best way possible for yourself and your family.
One thing I recently learnt, was that I needed to review my Private Health Insurance more regularly than every 5 years!
I have been with my current provider for going on 5 years, and I thought I was happy with the cover being top hospital and no extra's and that I thought at $70 a fortnight I was getting a great deal.. I was happy until a couple of recent circumstances where 1) they would only cover my chemotherapy IF the drug was on the PBS, and 2) they no longer cover aneasthetics and I had a $1000 bill from the aneathetists for putting in my port. After speaking with the aneathetists secretary she explained that my health fund WAS the only fund they have to charge to the client.
So I was on a mission and enquired through Health Insurance comparison with the type of cover I have now and what I pay, and wanted to find out if there were comparative policies that: 1. covered aneathetiscs 2. was top hospital cover and covered surgeries 3. Had a partnership with the hospitals I frequent 4. Included ambulance cover
The consultant was SO helpful and talked me through my existing policy and comparing policies that were better.
He came back with a plan through AHM that was $3 less a fortnight, included extras like optical/dental/chiro/physio/remedial massage. Or if I wanted just the extras for my husband it was only an extra $10 a fortnight of what I am paying now!
Not only has Health Insurance Comparison helped me to save a lot of money such as $1000 aneathetists bill for 1 hour for admissions I needed it... and if it were based on my surgeries this year it could be over $20,000 a year it helps me to save! PLUS the rebates with extras like dental and optical too!
Hot tip: If you are done having children and no longer require having pregnancy or birth related inclusions, remove these from your policy and you will already be saving!
Thank you Health Insurance Comparison for such a seamless process to help compare the right health insurances for myself, and for helping me to save money on future surgeries. Don't forget to compare, save and go in the draw to win a year's health insurance for free!
So while you might feel loyalty to a particular company, you also need to feel loyal to your wallets and if you can shop around and find a better deal on other areas of your financial spending (power/gas/phone/internet/loans) you can afford to go on that nice holiday, or better yet buy that pair of shoes you WANT but probably really don't need...
or better yet... do what I am doing and using all of the savings and money you would otherwise have spent on bills towards purchasing your first home!
Thank you for reading my 5 top things to review when you're living on a budget to help save yourself a lot of moolah!
Sometimes in life, things happen that can be unexpected and often out of our control. But if we are prepared and have a contingency plan in place, it can help us to navigate through those difficult times with a bit more ease.
A contingency plan, is a plan that is designed to be implemented during a future event or circumstance. A contingency plan is also sometimes referred to as a back up plan or a risk management plan.
In my life, I have several of these risk management plans that I have shared with those that it most affects, and in each of these plans it explains in detail the steps that need to be taken.
Some contingency plans you might have (or need) in your life may include:
1. A will
This is probably (in my honest opinion) one of THE.MOST.IMPORTANT risk management plans you can have in place. A will not only explains your wishes for your belongings and assets, but also can be important if you have young children to detail whom you wish to care for them in your absence.
If you have a blog or an online business (digital assests), there is also now an added clause that allows you to explain what is to happen to these when you die. You may wish to have your social media accounts closed, or request to have these left open as a memorial; or in my case I have specific instructions regarding my blog such as the hosting is to be continued to be paid and my site is to be continued to remain active for a resource that my younger sisters or anyone needing a safe place to turn to, can still do so. I even have a blog post (unpublished) and content that is to be updated to my site when I do pass away, so that others know that there won't necessarily be someone to answer any queries directly.
But your will should be updated every 2-5 years, as life happens and circumstances change, it is important that these are reflected in your will.
2. A funeral plan
You might have specific instructions in your will on where you want to be buried or cremated, or how you wish to pay for your funeral, or you might have been super prepared and met with a funeral home and have your funeral already pre-paid and planned out so that when you did pass away your family were able to grieve and be there for each other as opposed to making funeral arrangements.
I know that talking about your funeral wishes can be rather morbid, personal, upsetting and confronting to our family and friends, but it might help you feel at ease when times are tough and you are battling some serious health obstacles that you know your wishes are known.
For me, I know this is something I have done, and it was really hard being only 24, but the reality that I am faced with is one that is uncertain and I know when the going gets tough that this is a plan that might need to be actioned.
I have told my husband (and have it in writing and in my will) that I am to donate my body to science due to my rare disease and progression of said disease so that they can use my body and tumours to study and hopefully I can be part of a cure moving forward. I wish for my remains that aren't needed to be cremated, and for a joyful ceremony to be conducted at the botanical gardens where everyone is to wear bright and happy colours, and where it will be a celebration (a memorial service as you will) rather than a saddened atmosphere.... after all, I am a happy and bubbly person!
Up until I got sick, I had always wanted to be an organ donor. But knowing now that my organs and body parts wouldn't be able to be used by another I decided instead to donate my body to the organisations studying my disease and making a cure.
3. How you will pay your mortgage and bills if you were to lose your job?
When you take out a loan, credit card or mortgage you will be asked if you wish to take up loan protection. A lot of people are reluctant as they see it as an additional expense, and in truth we think that our jobs are secure and we are safe.
The reality is that you can never be too safe or secure in a job, and from my own personal experience it is something I realised was important to have in place.
My husband and I had always had protection on our loans in case we got sick or lost our jobs and was arranged through our loan provider. We had this for one of our car loan. Then in early 2012, I found ourselves applying for a quick fix finance loan for $15k to consolidate a couple of credit cards and a loan I had to take out to pay for my colonoscopy (which was $5k).
My husband and I thought we were safe in our jobs, he had been working for a national company for 5 years and I working for a bank for the past 18 months. We were on really good incomes and planned to only have this loan for a couple of months so we could pay it in one loan and have a bit more breathing room. Because we only planned on having it temporarily we declined the loan protection.. our interest rate was 40% so we knew it needed to be paid quick smart.
Three days later, I was told my contracted hours were being reduced from 24 to 4 a week due to the bank doing a massive job cull and reshuffle and there wasn't the hours there.... it was okay, I knew we would be fine as we still had my husband's job...
The next day we got a phone call saying his employer had gone into administration and that they were closing in a month.
HOLY CRAP! We now had $15k of debt that wasn't covered and we had no idea how we could make the repayments at 40% interest... we regretted the decision 4 days earlier to decline that loan protection.
4. What were to happen if you were no longer able to care for yourself and you needed to move into a residential facility or home?
I know we often don't like to think of what will happen when we get older, or what were to happen if we were to become permantly incapacitated, but this is a plan we should certainly talk to our family about and express our wishes while we still can.
While we might want to always stay living our life out in the home we love surrounded by family, this might not always be as easy as we wish. If there is round-the-clock medical care we need this can become rather expensive to organise to happen in your home and it might be easier on ourselves, our family and our carers if we were to live in a residential facility where we had the help and support we need.
It is also important to consider the safety aspect, will this be safer for me as a long term plan? And the finance side of things needs to be discussed to, whether you can afford it or how you plan on paying it. This could be something you incorporate into your retirement plan to accomodate for additional later-in-life medical costs.
5. How will you or your family survive if you became sick and unable to work or if you unexpectedly passed away?
I decided it was best to leave the most important contingency plan for last, which is of course, talking about our life insurance.
We protect our homes in the event of flood/theft or fire, and we protect our cars in the event of a crash, but surprisingly we often don't think about insuring number #1 (ourselves). I know I thought of insuring my husband before I decided to insure myself, which by the point I enquired I was 19, recently diagnosed with FAP and was told that if I "got to 40 without cancer and had a total colectomy, I could then be insured".
I always assumed that life insurance was only of benefit when we died to help pay for things like our mortgage or help support our families.
NB: This post is an entry for the Heritage Bank Savvy Blogger Awards please click on the icon at the bottom of this post, to vote for Feeling Ostomistic and you could be in the running to win $100 and help me to win a share of $11k which I want to use towards my chemo (and medical costs) coming up. Would mean a lot if you could support me.
Without a doubt you might have heard about the extremely over-the-top wedding in Sydney recently, if you haven't you may have been living under a rock... in that case I will summarise it for you. This super rich couple had a wedding which they closed down entire streets in Sydney causing traffic chaos, and their wedding car fleet involved cars worth a collective of $50 million dollars, as well as hiring helicopters, sea planes... but to have a nice wedding do you NEED to spend millions?
My dad and I at my wedding
I remember when I was planning my wedding years ago I wanted to have the big white wedding, and I was panicking at the cost it was all coming to (something like $10k+) and so was my husband well then fiance... and very quickly the wedding planning was becomming more about pleasing everyone else and catering to their needs rather than creating a day that was perfect for my husband and I.
Because of how much our wedding was going to cost we were planning it for 2 (almost 3) years away. But then something happened (rather fate as you might call it) and in the middle of June my then fiance (who struggles with large numbers of crowds and public performance) was rather overwhelmed with the wedding guest numbers and gave me an ultimatum....
He said either we get married in a month at the courthouse or we don't get married at all!
So I said that I will change our plans and organise a wedding in 4 weeks on a limited budget as long as we have a nice honeymoon and I get to have a nice 21st 2 years later and it be the wedding reception I had of hoped for....
Let's clear one thing up... there was no way I was getting married in the courthouse and I knew I had to plan a nice low-key wedding that was still memorable, that my husband would agree too and decided to make it as nice as I possibly could on a limited budget....
All in all, our wedding cost us just under $2500 and that was including everything!
Here are 10 ways I helped to save money on my wedding in under 4 weeks of planning, and I don't regret it at all!
#1 the dress = $220
My top tip when it comes to shopping for your wedding is to head to the stocktake sales in either June or after Christmas, as you will find some amazing bargains! It was lucky that all the stocktake sales had just started when I started planning my wedding in June something like 5 weeks before I was planning on getting married.
I knew it would be almost impossible to find the perfect traditional wedding dress in my size and budget within 4 weeks, and I knew I also wanted to be different to the norm as well.
So my wedding dress was this beautiful purple formal dress that just happened to be on special for $220 and was a perfect fit. Purple is my favourite colour too, so I knew it is a dress I would be happy in and happy to wear again.
#2 the tux = $250 (including jacket, pants, tie, vest & shirt)
We were lucky that we found the perfect suit on sale (thank you stocktake clearance) and imagine my delight when the entire combo including the tie, vest and shirt came in at just $250! The tux alone was normally $500 odd.
My husband has since worn the suit to weddings, funerals and job interviews.... and if you too saw him in the vest and suit you'd hire him too (bow chicka wow wow) [He would kill me if he knew I said that...truth...]
#3 the wedding bands = $300 for both
When we walked past the Micheal Hill Jewellery store, and Russ decided he wanted to check out wedding bands (and saw they were on special) and decided to buy them to put them away, it was the event that sparked his sudden need to get married and realised that the longer time went on the more he was getting anxious and couldn't do it.
So we found the rings were on stocktake clearance my wedding band was $200 (including a gorgeous row of diamonds) and his simple 'boring' band (as I say) was around $100. Was an absolute steal!
#4 the celebrant and photographer = $1200
How I found our celebrant and photographer was by an absolute fluke. I was at work (at the time as a telco department manager in a now closed electronics department store) when a customer came in needing a new phone contract. I happened to sell him the top of the range iPhone 3s (was THE.BEST.THING.AT.THE.TIME) and we got chatting about his business.
He told me he was a wedding photographer and organised elopement packages or small wedding packages which included the celebrant and photography during the ceremony and 1.5 hours afterwards (and all the photos printed in an album and on a disc too).
I went to the lunch room and found Russ (we happened to be working together at the time... he a computer salesman and I in the next department over selling phones and iPods.... no we didn't start dating when as co-workers.. and yes I got the job there after we were engaged) and told him I might have found us our celebrant and photographer. Russ came downstairs from his lunch break and the guy was still in the store (now needing to buy a new laptop) and we got chatting more about what he could offer us.
He said he had packages starting at $700 but for what we were wanting he could offer a small wedding ceremony and photography package for $1200. This was strictly 25 guests, the set up of the ceremony, the photography (including disc and images printed), the celebrant and filing of paperwork and any other legal fees.
While this meant we could only invite a small number of people to the ceremony (and I know some were a bit peeved about it) but it was all we could afford and had the most important people to us there. However, as we were having the reception/after party back where all my family lived (2 hours south) everyone was invited and most people understood (having had been married themselves knowing too well the cost involved).
#5 writing my own wedding ceremony = Priceless
I wanted our wedding ceremony to be really special, and to also help save on the costs of the celebrant I decided that I would write our entire ceremony (except for the legal blurb the celebrant has to state and a couple of readings), But otherwise the rest I wrote and composed myself (with of course the help from Russ).
#6 2 tier wedding cake = $200
When I went around getting prices of cakes from different bakers most were in excess of $600+ which just wasn't in my budget. I thought I would test the waters a bit and ask how much it was to have a 2 tier cake made (and left off the word wedding) and surprisingly it was much cheaper.
Our wedding cake
#7 bouquet of flowers = $30
Similarly, I found flowers (just like cakes) suddenly had a surcharge applied when you mentioned the word wedding. All I wanted was a nice bunch of white lillies with some nice white ribbon tied around them. These were $30 when the word wedding wasn't mentioned, and when it was it became $150.
I also thought it would be pretty yet simple if my sisters held one pink gerbra (with ribbon tied around) instead of a bouquet. I also gave them bubbles to blow through the ceremony so they wouldn't be bored and run a muck (they were afterall only 7 and 8). And a lot of the photos with the bubbles turned out beautifully!
#8 Flower girl dresses = $50 each
Just like our attire we found the girls flower girl dresses reduced on the stocktake clearance racks for just $50 each! They needed a little adjustment to be made to the bodice, but otherwise were a perfect fit.
#9 Food at the reception (free for us)
We decided to have our reception/after party at a local pub that was a familiar spot for my family. I wanted it to be informal and inclusive of everyone, and as the pub did $5 feeds, I asked everyone instead of buying us a gift to insted pay for their own meals and drinks. My dad and pop ended up putting a tab on the bar as a wedding gift, which everyone (including us) were appreciative of. Although, it didn't last terribly long (even though it was only covering beer, soft drink and wine).
#10 Venue hire (free)
When I was looking into planning my wedding I was searching for places that were FREE or very low cost involved for both the ceremony and the reception. For the ceremony we got married on a headland overlooking the beach (and had whales breaching just off the headland- was magical) and didn't need to pay a fee (although check with your council as some require a permit). And then for the reception, we just hired out the pub as a private function and although I offered, they didn't accept money for the venue hire.
I didn't have it decorated much, just some tablecloths, DIY balloon centrepieces and the cake table decorated. But you can find some amazing DIY wedding decor on pinterest or local selling sites.
More ways to save on your wedding..
* I did my own DIY invitations (which were rather basic) before I had even dreamed of starting my own handmade invitations business (making my wedding invites seemed to have sparked an interest in handmade invitations for me).
* Hair, I visited my hairdresser a week prior to have my hair colouring and trim/tidy up done along with a hair trial. Best to get the colouring done at least a week before and not the day before so you have time to prepare in case you don't like it.
* Makeup, sometimes you can find students at TAFE who are studying and needing experience who can offer their services at an affordable rate. Otherwise, you can always reach out to your friends or family who are familiar with makeup and ask for their help.
* Wear in your shoes before your wedding day, nothing worse than walking around with sore blistery heels and feet.
While it may seem like my wedding was rushed (honestly had 4-5 weeks to plan it) I am so glad that I got married when I did rather than waiting until 2012 like we initially planned on getting married, as this meant my dad was able to walk me down the aisle and be there on my wedding day (not long after our wedding he was diagnosed with terminal Bowel Cancer, and passed away in March 2012).... I now have memories I will forever cherish from that day and conversations had (that still make me laugh). I don't regret have a cheaper low-key wedding, and after 5 years of wedded bliss this year, only proves that you don't need an expensive wedding to make a happy marriage.... also saving costs where possible meant we could go on a nice honeymoon to Hamilton Island for a week.
One last tip... A wise person told me before my wedding that I needed to savour every moment of the day and take it all in, as the day goes rather quickly especially when you're excited, and you don't want to miss out.... they also went on to say that if you make it back to your hotel suite and you are too tired (or drunk) to consumate your marriage, that it is okay and not to feel pressured that you HAVE to do it on that night... there is always the next morning and you have your whole marriage to worry about that (hehe).
Hope some of my tips shared can help you on your wedding planning, if you have a tip for others feel free to share it in the comments below.
This year would certainly be the first year I won't be running off to the shops on Christmas Eve and trying to find the right gifts for my very long list of people to buy for! Not only is it exhausting running around when you are sick, it can become quite stressful when there are people everywhere (if like me you have social anxiety) and guaranteed you won't be able to find everything last minute.
I decided I would try something different this year and actually started buying presents back in May, and I haven't even finished wrapping presents and my tree already looks full!
This is my not yet full tree!
So I have had a lot of people ask me how am I so organised this year, and I thought I would share my 5 top tips with you!
1. Write a list!
I have so many people to buy for at Christmas that it does become rather expensive (doesn't help being the oldest of 9 siblings aged 7-21). But it is best to grab a pen and paper (or you can type if you prefer) a list of everyone you need to buy for along with the gift ideas for them. I find it easier to do this as a table.
I have created a FREE download printable for you to print off and fill in if you like! Print off as many sheets as you need!
2. Shop when there are sales on
This one is a given! Take advantage of the mid year sales, usually stocktake sales from around May-July. These often fall in with the EOFY sales too! I discovered this great website (and an app) called OzSale and they have some pretty amazing stuff usually very well discounted! I will admit that 80% of my shopping this year was done through this site and I know I saved a lot!
Also there are some other HUGE shopping events each year like Click Frenzy (which only lasts for 48 hours), Black Friday and Cyber Monday (although being USA shopping events a lot of stores in Australia are now having these sales too!).
3. Wrap as you buy!
Hands up who has spent Christmas Eve sitting there rather uncomofrtably for many hours wrapping all of the year's presents rather then spending and enjoying this time with your family?
I know I have done this, and even remember as a kid that dad would have to take us out of the house for most of the afternoon/evening and keep us entertained so that we wouldn't annoy mum who was locked in her room wrapping presents for all the kids.
So I have found this year if I take a little time out of each day whether it is just 5 or 10 minutes and just wrap as much as I can. I pretty much have everything wrapped for now.
I have also found wrapping as I purchase to be rather helpful too at making better use of my time come Christmas Eve!
But there is also the added convenience come December 1 that charities set up a stall in the shopping centres and you donate money and they will wrap your presents for you! Not only will you be saving time yourself but also giving a helping hand to charities, and to me Christmas is about the giving and not so much receiving!
HOT TIP: If a store offers complimentary gift wrap, take them up on the offer! It is one less thing you need to wrap!
4. Take advantage of boxing day sales!
Each boxing day I will grab what ever christmas wrapping paper and labels are left and stock up. I keep these stored in the cupboard all year and then when it came time to start wrapping, I didn't need to buy 1 single role this year! You have seen my tree above, so you can imagine how much paper I had needed!
Boxing day sales is also another great opportunity to find bargains and put them away.
For the last 5 years my husband has asked me for a train set to go around the Christmas tree (if you're thinking he sounds like a kid, he is at heart lol). Well we have been eyeing off this amazing set that is normally around $300... well last year on oo.com.au I scored this exact same train set for $49!!
We got to put it up this year and as you can see from the picture above, it is a big set and I had one happy husband! He wanted to put the tree in one corner and fill the space with presents to resemble mountains and landscape for the train to go around... see told you he was a big kid at heart!
5. Shop online or take advantage of home delivery
One thing about Decemeber is the shops start going crazy! There are people everywhere, and parents that are stressed and kids throwing tantrums. It is just a crazy time to shop!
I decided to avoid all that this year and have had almost everything purchased online and delivered!
Also given my health too I thought it was easier and less stressful to have everything delivered online. As I type this I don't even know if there is anything I need to go to the shops for except for food, but even with that you can get it all home delivered!
Bonus Tip: LAYBY, LAYBY, LAYBY
If you find layby works best for you and if a store offers layby, take them up on their offer! Work out what the required payments would be each week/fortnight and pay it off.
If you haven't looked into castle or chrisco before either, be sure to look into these as they allow you to order hampers and food through the year and it all gets delivered just before Christmas. It is like a huge Christmas food layby! It is pretty handy and I know many families who do this each year (some have the food last months and just store in the cupboard or freezer). The hampers aren't just food they also have electronics and all sorts of things!
These are my quick 5 tips to having a better organised Christmas this year, and hope these help you too!
If you have a tip for a better organised Christmas, feel free to comment below!
[Disclaimer: the stores or websites I mention above I have done so out of honestly using these sites and being very happy! I was not offered any payment or form of reimbursement for mentioning these sites. The only affliliate link is the Ozsale where as a member and refer people to sign up I receive a benefit such as $5 towards my next purchase.]
Thank you for stopping by Feeling Ostomistic. It has taken a lot of courage to share my story and I ask that you show me and my site/blog respect and courtesy. Views expressed in this blog are my own and I am not a nurse or a doctor. If you need medical advice please seek your medical practitioner.