H O M E and H E A L T H

In my last post I mentioned our plan for buying a place of our own in May to save our sanity.  I chose to wait three more months instead of buying right away as we needed the extra savings to have 10% house deposit and so we could also have a great savings history and sort out some other things like desexing our dog.  We have been looking at different units and townhouses in the areas we like so we are more educated in what a good price is as well as what we want for our first place and what we are willing to compromise on.

At the start of this month I viewed a unit(condo) in Mermaid Beach that I could really see us being happy in, so we ended up making an appointment with the broker earlier than planned.  Since then, we have been in regular contact with the broker and the real estate agent as there have been several issues and setbacks towards getting pre-approval for a home loan.  Luckily the unit(condo) is still available but we might miss it as we are waiting for paperwork to come through for us.  Even if we miss this unit, I trust that the right one will show up for us, I am just really glad that we have begun this process as it takes way longer than I thought it would!  So if anyone out there is in the same stage and hasn’t talked to a broker about pre-approval yet and all the documentation you need, then I would get on to it!! We had talked to a broker earlier on but more as an enquiry into what deposits we would need and what our price range would be but apparently some bank criteria has changed and loans are harder to come by at the moment.  So many people that I have talked to have said that it seems so hard to get through the pre-approval process.

I have been keeping up with our 52 week savings game so we have cash for Xmas and also saving $100 a week for our snow trip in August as well as saving for our house.  I do have to go out today and buy our little girl some warm onsies for winter this year.  She is rapidly outgrowing all her clothes, so I have to get a few onesies, tights and singlets.  She kicks off all blankets so I don’t bother with them anymore so I have to make sure she is warm enough without them while she sleeps.  The onesies are also great under her snowsuit.  Our new car is still awesome too, and I am looking forward to driving down south to the snow in it!

In other news, I have been suffering from daily migraines for months, and it seemed to be getting worse.  I had an intuitive thought recently that giving up dairy may help and looking into it, dairy is a food that causes inflammation and all sorts of issues for a lot of people let alone the problems it causes the cows 😩….I do prefer a vegan life and I have always felt great when vegan – I had taken to drinking a lot of cows milk when pregnant and had kept this up during breastfeeding as I would crave it.  Anyway, I thought it was worth a try so gave it a go.  I seemed to go through a full on dairy detox and I had stomach problems and bad headaches for the first 6 days but am now feeling the best I have in a very very long time and I lost 1.5kilograms in that week!

My husband is also doing well without gluten in his diet and has had more energy and lost weight because of the change.  I also like gluten free eating although I am not as strict on this for me and our baby.  I definitely notice the difference but geez gluten free and vegan products really empty the wallet!  Although I have found that if you stick to mostly to wholefoods then it isn’t so expensive.  Hopefully when we are finally in our own kitchen I can try making some gf breads too!

I am so looking forward to having our own space again.  I belong at the beach and living away from parents!  Yesterday Lennox and I had the day to ourselves at home.  It has been ages since we got to do that and I had forgotten how important that time is to me and for her.  I loved it.  It will be so awesome to be back at our beach every day and spending time together.

I hope you all have a safe holiday season 🌞

 

 

 

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saving spending saving!!!

At the moment we are still stuck living with my mum and stepdad and all I can think of is how to save more money.   We will hopefully be meeting with a mortgage broker in the next couple of weeks to get pre-approval for a home loan so we will know exactly what we are working with but in the meantime I have a list of things that I need to spend money on.  My car needs the CV joint fixed and a tune as well as a drivers side door handle.  This little visit will cost me close to $1000 no doubt 😒.  I have put it off for a while but I use my car a lot (especially living at mum’s) so it has to be done before it gets even worse.  Next is my husband’s car- the air conditioning compressor needs replacing which will cost us about $1500! We have put this off for ages but it is so hot in the car that Lennox is wet with sweat even with the windows down so we end up driving my car more which is why the problems with my car became so urgent.  We need to get his fixed so I can drive less as it aggravates my neck problems…..it’s like a domino effect! Then there is car rego to pay for both cars which is about $1500 for a year. Oh my god so just when you think you are getting more savings you gotta go and spend it all on these un-fun things!!

Sooooo anyway, all this has made me think in even more frugal ways and I haven’t done a full shop in the supermarket for 3 weeks now just so I can save more and get creative with using what we have.  I have saved an extra $150 from doing this and we certainly haven’t been starving!  I have to say I do enjoy this kind of challenge.  I have only bought eggs, bread, milk, cheese and fruit for Lennox and I have been using the veges (fresh and frozen) that we had left – just being  more frugal with how much I use and using more of the staple items in the pantry.  I have cut out the prepackaged baby snack foods and I am baking more healthy yummy treats that we can all eat.  Today I made a very basic cinnamon slice.  I usually add apples or bananas to this but I didn’t have any to spare.  I just dust some icing sugar on to finish this off.  It is really yummy, gluten free and goes great with a coffee for me 😋.

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this is my basic cinnamon slice

I also made some quinoa ‘meat’balls (quinoa flakes, gf breadcrumbs, cheese, eggs, broccoli and herbs) and will be putting them in our pasta dinner tonight and mini protein pancakes for snacks for Lennox -she loves them and there is nothing bad in them, just 2 eggs, 2 bananas and half cup of oats – I blend the mixture and let it sit in the fridge for a few hours, then thin it out with some milk or water so it goes further and makes more! She must be having a growth spurt as she is eating constantly this week and is always saying ‘more’!

I have also just discovered the 52week savings plan, I can’t believe I have never heard of this before but now that I have, I want to make this a habit for life and teach this to Lennox.  So on top of our normal savings plans for house, holidays and the unexpected, we will be doing this and hopefully have a little cash nest egg for the end of the year with all of the festivities!  Thanks for reading through my babble!!😝