Garden

i actually love gardening but i dont have the time or money to do it usually. Plus we live in a rental so are limited in what i can do. But that didnt stop me re designing the front garden.

  
I tried to use drought tollerant natives as its a rental i needed to keep maintenance low. In order to do this i would have to rip out the horrid spikey bushes that are already there. I would make a path to the tap (on the right) using wood because as it is i have to walk over the tanbark through the spikey bushes. I would use large rocks as features like in Japanese design and a raised planted pot to add height. 

  
Ground cover would feature alot to fill in space but still give the feeling of openness. 

  

  
There is a path up the middle that kind of leads up the wall to the letterbox. At the moment its brick and not wide enough. I would make it crazy stone (not clean cut) but close together and add a stone step as the wall is slightly too high to step up comfortably. The large bush next to it has to stay as its a privacy screen so the planting around it needs to match but i havent got that far yet. I went for purples and grasses which will stay colorful year round rather than turning to twig bushes like the ones there now. 

   
 What do you think? I would love to have my own home to make doing gardening more rewarding. Oh well. One day.

How are your finances?

i follow the barefoot investor. His advice is down to earth and practical. Basically he says pay off your debts. Save 3months wages in a ‘mojo fund’ for emergencies. And invest in a slow moving stock. Im working on the first two right now. My mojo has about $300 and im trying to crash down that debt. But as well as this im looking into the what if scenario. He recently got a call from a man who was given 3 weeks to live and he wanted to make sure his family was taken care off. Something alot of us dont consider.

 If i die do i have enough insurance so that my family will be safe? No. My super pays $250,000 if i die which for most people isnt nearly enough. For a one child household it estimated i need $750,000 cover to pay the mortgage, living and school costs. To do that i have to get some blood tests etc because i had diabeties during pregnancy and im obese, so im putting it off 😒 

But i did sign the forms to contribute tomy super   today. Not much. Just $50 a pay. It comes out before tax so i actually get a nice tax break. I never did it before because im sure i wont live to 67 to use it (cancer and car accents are bound to happen) but i guess that if all goes well i will need the extra to have a comfortable retirement. The average person today needs about $40,000 to live off per year in retirement. Assuming you retire at 65 and live to 85 thats $800,000. I have worked for 10yrs and have about $100,000 in super which means assuming i continue on that path i should be fine. Assuming nothing like kids or illness makes me unable to work. But if i do die in a horroble crash i guess it goes to Rue so i will take the time to make sure i can live comfortably in my retirement.

How are your finances? 

Erin condren year 2

It’s no secret that i love these planners. I just recieved my new one in the mail yesterday and have noticed a few things already. The first is that the paper quality is thinner. The second is they removed the notes section from the monthly pages which is annoying beause i bought stickers especially for that area.

  
The next is that i know alot of people complained about ink marks on the paper and sent them back. I checked and i have them too but seriously people who cares. 

  
I ordered a pen holder this year because they dont clip on well the the spiral.

  
I have also ordered a heap more stickers and even my first set of washi tape ( no one sells it near me). People have also been complaining about the colors but again i dont care about that at all. Seriously who goes oh i dont like decembers colors so i wont buy it. 

Now to start the long process of transfering everything into it. Yay!