Covid Impulse Buying Restarted :(

I forgot about how much I spent the last time we were in lock-down back in Adelaide…

It just feels like the perfect past time…it’s stressful though…because the difference now is I am not working full-time yet and haven’t been for the last six weeks… I am basically living off paying the bills with my credit card. I put most of my money locked away in a long-term deposit -.-” or in high(ish) interest savings accounts that don’t allow you to withdraw or you lose the interest -.-”.

ANYWAYS. I keep rechecking my internet banking app to see if I have been paid my last salary from my part-time job…and hopefully *fingers* crossed I will also get paid out my annual leave which I rarely took.

So what purchases have I been purchasing?

A lot of things I probably don’t need.. :s..some I guess I need, but COULD make do and still survive without. I am just going to list what I have bought in the last week..

I spent a lot on homewares…bath towels, singlets, clothes airer, air fryer, kettle, 30 Litre bin (too much for one person), teatowels, clock, non-slip shower mat for inside the shower, mat for outside the shower… LOL so many mats. Also bought a mat for the entrance and for my bed. (LOL) …A santoku knife… microwave cover, sponges, wipes, disinfectants of every kind, toilet cleaner, paper towels. freezer bags x2 sizes, stainless steel mixer bowls x3, pegs (haven’t even opened it!), portable clothes steamer (used once), handheld vacuum (suction sucks), Telstra wifi-modem, Hair straightner for mum, AAA batteries, AA batteries, shampoo and conditioner (coz i didn’t bring them from Adelaide), body wash, TV cable, hand soap, dish dryer, sieve, mug, so many groceries fresh and frozen :(, filtered water jug, Laundry basket, Laundry washing bags, fabric softener, detergent for clothes and dishes, deodoriser, can opener (but I HAVE NO CANS), numerous amount of random plastic containers, Linkt Toll pass (Even tho i haven’t used any tolls yet), I’ve also started paying rent. Y_Y…

I bet that’s just half of where all my money went… T_T… Spending so much time alone at “home” and going out and doing things has made online shopping all the more tempting.. :(….if I wasn;t writing this post, I am very sure I would be online shopping again…

One slighlty (?) upside is that I remembered I have some Qantas Frequent Flyer points saved up! These points were supposed to be for my overseas “One day” to London trip…but that kind of looks out of the picture for the near future…So I used some of the points to purchase a ricecooker online…it’s something I can live without until it comes…

Photos!

Typing this on my phone so I have easy access to photos I’ve taken so far..

Day 2 Signing my first ever tenancy agreement

Wow…Today I signed my first every rental agreement… I sent it to my family members to have a read through..since I am not that great at reading the finer terms and conditions. I had to pay 1 months worth of rent as a Bond and this month rent upfront. I am feeling very poor at the moment :(.

I had to ask them to amend the first contract I received as they wanted me to pay $20/week for parking!! EEK. They hadn’t mentioned that prior to me signing the lease and they also wanted me to sign for a 12-month contract..however, I had asked if it could be shortened to 6 months, just in case I didn’t like it. After receiving confirmation that I was approved as a tenant, I went out shopping. Most retail shops would be closed from midnight tonight to the public, with an only online click and collect/online delivery options available.

I bought my first appliances for my room…an air fryer!! A kettle…a floor mat, a microwave cover, some cleaning appliances, a jug that filters water (the apartment doesn’t have filtered water); laundry detergent…and some toilet cleaner things you put inside the toilet to make it smell fresh. I felt like such an adult. Oh, I also bought some shampoo and conditioner, because I was too lazy to bring my half-used bottles from Adelaide LOL. I also bought some instant coffee sachets, as I did not bring that from Adelaide… :(. Needless to say, my small car is not overflowing with things…and I have a feeling it will be struggling on its way to my new place tomorrow. Oh, by the way, I also saw 3 policemen patrolling the shopping centre…I guess making sure we are all wearing facemasks when out. It’s a strange time we live in.

As my new apartment does not have Wifi included, I have somewhat hastily signed up for a Telstra Mobile Broadbank sim card plan, enticed by the $10 discount for the first 12 months. It said it can take 7-10 days for shipping! hopefully it comes before I start work…I have been told that we may be spending the first week of orientation mostly at home….due to Covid we can’t do the training face to face… so I will need a secure and strong internet connection at my new place…I don’t want to rely on or waste my phone’s data for those future conference calls and endless training modules. I haven’t really worked from home much, with the exception of the on-call stuff I did for my last job…should be exciting…and somewhat a little weird too.

Oh well, more on that when I get there!

I just realised today that they have set me up with an work email, which I haven’t checked for the last few weeks..and eek so many emails to sift through.

 

Financial Health Check

I’ve been listening to a bit too many podcasts about money lately…as you can probably tell. I was listening to one particular podcast where someone on the show was making a website based on getting you better deals by allowing you to compare side by side what the different banks were offering in terms of things like term deposits, loans, etc. I can’t believe how much time it saves! So today, post work I have set about moving some money I have been saving up for my future house deposit and put into a 3 month term deposit…I highly doubt I will be able to purchase a house within the next 3 months, so better to maximise the interest I can get while it is in the bank.

I have a second account in which I have some emergency funds that I can use for spending, because I don’t want to lock away all my money in a fixed term deposit. I will use this money for things like unexpected expenses I may incur or for expensive things like specialist appointments… *Sad face*.

I wish I had done this earlier! It takes a lot of time though, trying to sort out your finances. As I also have multiple bank accounts across three different banks and so manyy bank cards…it’s hard to keep track of how much money I actually do have…xD yet great in a way, because unseen and forgotten money means I spend less!! I also have to remember to keep checking up on my stocks and to keep an eye out for good prices..and to remember to keep growing my rather small portfolio.

I still have much to look in terms of the superannuation..I think I will look further into it after I finish up my current contract…as I will have to combine that super with my other super account…somehow…

So many things to think about as an adult…who knew looking at your financial health was so important and took so much time? *sad face* BUT in the end, if you look after your finances, it will look after you in the future. *happy face* (hopefully).

Social Wealth

Whose place is it to determine someone’s worth in society?

Does it rely on age, gender, race, or other physical attributes? Just because someone is physically not as able to move around, does not mean they cannot contribute to society. Just look at Stephen Hawking And Nick Vujoic.

Society looks at a homeless person in the street and decides they are not worth much. However, they may be the mother of two beautiful children who have become a front line worker, they may be the beloved sister in her family. They were a precious child of their adoring parents.

Just because someone hasn’t finished school or gone to University doesn’t mean they cannot go on to do great things, look at the creator of Facebook who never finished his college degree. Just because you didn’t get a head start in life and be born into a rich family, doesn’t mean that you can’t make that a goal for yourself. Just because you didn’t grow up in a family of doctor, doesn’t mean you can’t pursue that profession for yourself.

Who is to judge whether one profession or the other has more prestige or power? Just because a cleaner isn’t getting paid as much as a top surgeon, doesn’t mean that they are any less important. There are so many important people in the world that are looked down upon and shunned in society.

I am not even sure what exactly the point I was trying to make was, but does and should your bank income and your job title determine your social status? Going through credit checks for  mortgages and credit cards, they ask how much you earn, how much you spend, and they are interested in what suburb you live in. We are reduced to a number of facts and figures and we are judged on that. It’s a strange society that we live in. It doesn’t matter if you are a reliable and honest person, if your numbers and statistics doesn’t reflect it.

Credit Card Woes

I have had my credit card for less than a month..and oh BOY they really do a great job of trying to trap you to spend more than you earn. :(. I think I have spent more money in the last month than I have in this year so far…that’s terrible :(. But I guess, I try to reason with myself, these things are necessary…but are they really?

Did I really need to splurge on the newest iphone model, or could I have gotten a cheaper but older model? Did I really need to get that fancy epilator with 5 different ways to use? Did I really need to get my car serviced at TOYOTA when I could have done it way cheaper anywhere else?!!? As I think of my spending habits and question whether I am wasting money…I think it has made me rethink my choices. I understand why some people can max out their credit cards…it’s just so easy..Just pay wave this, pay wave that. You don’t see the money come out of your account straight away, so you think you can spend a bit more. It’s ADDICTIVE and you tell yourself, it’s okay…I can get points for every dollar I spend! You think about the long run about what you are saving up for. But are you really?!?! IF YOU ARE SPENDING MORE THAN YOU SAVE?

So many questions. But anyways, I have got my first statement from my credit card and I am pleased to say I have paid it off. But, this month’s bill is gonna be huge 😦 eeks.

Be careful guys, staying at home makes it so much easier to buy things online that we might not need!  Just rethink if you will regret the decision later.. >.<