OHbaby! Forums : Budget help https://www.ohbaby.co.nz/forum/ Copyright (c) 2006-2013 Web Wiz Forums - All Rights Reserved. Thu, 09 Apr 2026 18:02:09 +0000 Mon, 12 Jan 2009 18:14:43 +0000 http://blogs.law.harvard.edu/tech/rss Web Wiz Forums 12.05 360 https://www.ohbaby.co.nz/forum/RSS_post_feed.asp?TID=23642 <![CDATA[OHbaby! Forums]]> https://www.ohbaby.co.nz/forum/forum_images/web_wiz_forums.png https://www.ohbaby.co.nz/forum/ <![CDATA[Budget help : I get dryups from babyonline.co.nz...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584988&title=budget-help#584988 Author: miss
Subject: 23642
Posted: 12 January 2009 at 6:14pm

I get dryups from babyonline.co.nz - cheaper than nappies on sale and much better than huggies (huggies have been the only nappy that has consistently leaked on Lily) for us. i reccomend them.

Sorted.org.nz has great budget advice

and I second simplesaving.co.nz, their free advice is awesome. One day I will become a member!]]> Mon, 12 Jan 2009 18:14:43 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584988&title=budget-help#584988 <![CDATA[Budget help : we do the same as a lot of other...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584904&title=budget-help#584904 Author: gypsynita
Subject: 23642
Posted: 12 January 2009 at 4:31pm

we do the same as a lot of other people have said - break things down weekly and put money aside, but I go one step further and have heaps of separate bank accounts - ie: one for pay to go into that is effectively our "overflow" account. from this I pay out into a bills account, savings, house (mortgage, rates & insurance) and I even made up a 2nd savings account to put money aside for baby gear and gifts... this one gets dipped into far too often!

I find this system is the easiest for knowing exactly how much money we have (if any!) leftover, and the bills are ALWAYS taken care of, so no issues at the end of the month when they all roll in... ]]> Mon, 12 Jan 2009 16:31:50 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584904&title=budget-help#584904 <![CDATA[Budget help : Flake - just pm&#039;ed you and...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584366&title=budget-help#584366 Author: busymum
Subject: 23642
Posted: 11 January 2009 at 9:43pm

Flake - just pm'ed you and tried to email you but need your up to date addy.]]> Sun, 11 Jan 2009 21:43:17 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584366&title=budget-help#584366 <![CDATA[Budget help : Congrats on the mortgage! We...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584124&title=budget-help#584124 Author: monkey33
Subject: 23642
Posted: 11 January 2009 at 6:03pm

Congrats on the mortgage!

We do the same as some above - I work out how much each bill is monthly (inc rates) and then we transfer that bulk amount to our joint account. When a bill comes in, we don't need to worry as we know the $ is there.

I usually start to save for xmas presents later in the year but once we go down to one income that won't be an option so I will definitely start the saving of a small amount each mon for xmas & bday pressies for the year.]]> Sun, 11 Jan 2009 18:03:03 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584124&title=budget-help#584124 <![CDATA[Budget help : Definately do not forget about...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584081&title=budget-help#584081 Author: FionaO
Subject: 23642
Posted: 11 January 2009 at 5:23pm

Definately do not forget about rates, I kind of did when we bought and actually they are quite a bit, or seem to be for us.

 

Good tip about ringing round with your power too, we just changed companies and are old power company called up offering us $150 and loads of flybuys to try and get us to come back - brill

]]> Sun, 11 Jan 2009 17:23:26 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584081&title=budget-help#584081 <![CDATA[Budget help : If Huggies are working well, you...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584029&title=budget-help#584029 Author: fire_engine
Subject: 23642
Posted: 11 January 2009 at 4:17pm

If Huggies are working well, you might want to try Nanny's nappies - I bought a bulk load in October (about 350 for $117) and I'm still working my way through them - wholesale nappy company. I find that they're better than Huggies.]]> Sun, 11 Jan 2009 16:17:03 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=584029&title=budget-help#584029 <![CDATA[Budget help : Also - don&#039;t forget about...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583991&title=budget-help#583991 Author: ginger
Subject: 23642
Posted: 11 January 2009 at 3:45pm

Also - don't forget about new expenses that you will have! Things like local Council and possibly regional Council land rates, water rates (depending on where you live), that sort of thing, and you'll also have to insure the house so your insurance will go up a bit.

I do the same as Emz and worked out how much we spend on things over a year - from cat and dog food to warrants and regos, to allowing for new car tyres or something to spit the dummy, to the garden bag, rates etc and I break it down to a fortnightly amount and make sure I put that aside. I also pay our rates by direct credit fortnightly - coming up with $50 a fortnight is a lot easier than several hundred dollars a quarter - especially when, like at Christmas, the rates would have been due at the same time as both warrants (we have 2 cars) and regos AND the water rates!!    I've just started putting money aside for xmas and bday presents as well - we have lots (well, 6 to allow for plus 1 extra who isn't a relative) of nieces and nephews and it adds up PDQ! ]]> Sun, 11 Jan 2009 15:45:40 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583991&title=budget-help#583991 <![CDATA[Budget help : we also have a great thread all...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583926&title=budget-help#583926 Author: lizzle
Subject: 23642
Posted: 11 January 2009 at 1:48pm

we also have a great thread all about cloth nappies. if you are not using these already, they will save you a bundle. We had two in nappies, but worked out by buying them a pack each, they had paid for themselves after 9 weeks!!! Saved us a fortune seriously!

a LOT of baby stuff is pretty, cute but unnecessary. For us - we got HEAPS of soft toys - the boys had NO interest in them

Clothing can be as cheap or expensive as you want it to be. Opshops have some great kids things - but in my experience, you need to be visiting two or three times a week to pick up the decent quality, good price stuff. Also, on facebook there is a group about swapping kids clothes.

Ringing around your power, phone, insurance companies can save you lots of money. we reassessed our power company (got a $100 credit), changed our phone plan (saved $25 a month) and looked at our banking fees (saved $30 a month).

www.simplesavings.co.nz has some great tips about surviving on a budget, and I think has some stuff about babies - on a budget.

Also going to a budget advisor is a great idea - you can get new ideas about how to save.

In reality, babies don't NEED to cost a fortune, but they can if you get carried away about "keeping up with the Joneses" and I find mums of little girls have much more pressure on them to keep their girls looking "pretty" whereas it seems more acceptable to have boys in scruffy clothing.]]> Sun, 11 Jan 2009 13:48:26 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583926&title=budget-help#583926 <![CDATA[Budget help : We&#039;re on a similar budget,...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583909&title=budget-help#583909 Author: FreeSpirit
Subject: 23642
Posted: 11 January 2009 at 1:21pm

We're on a similar budget, I save on feul by always using the discount from the supermarket and doing more then 1 errand if I go out. Save on nappies by buying enough for a fortnight if they're on special. I make my own baby food (really easy - cook a big batch and freeze in ice cube trays). I pack my partners lunch for work, it's heaps cheaper then letting him buy it.
With all the extra bills, I have a collection of jars that I put a little into each week, then when they're due I've got them covered. (works really well for warrants and rego's). Make sure you put aside some "pocket money" each week - and explain to your partner that if he doesnt spend it all then he can have the very expensive nik nak he wants in a few weeks. (my partner loves his gizmo's and gadgets).
Stick with the breast feeding - it can be really hard sometimes but it saves heaps!!

Edited by Flutterby]]> Sun, 11 Jan 2009 13:21:11 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583909&title=budget-help#583909 <![CDATA[Budget help : We work out (on a spreadsheet)...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583908&title=budget-help#583908 Author: emz
Subject: 23642
Posted: 11 January 2009 at 1:20pm

We work out (on a spreadsheet) the frequency and amount of all payments, then break them down into the weekly amount. Power, phone, insurances, rates, credit cards etc are all on DD. We get $20 a week spending money each (hey big spender ). For warrants etc, I calculate how much it is over the year then put it into a weekly allotment and that gets set aside. We also have money aside for Christmas, birthdays etc. Without my budget we'd be screwed.]]> Sun, 11 Jan 2009 13:20:49 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583908&title=budget-help#583908 <![CDATA[Budget help : More how much to allow for stuff.... That...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583904&title=budget-help#583904 Author: flakesitchyfeet
Subject: 23642
Posted: 11 January 2009 at 1:15pm

More how much to allow for stuff....
That ok. I'm having baby brained moments. hence the post.
]]> Sun, 11 Jan 2009 13:15:35 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583904&title=budget-help#583904 <![CDATA[Budget help : Sorry I may be having a hormonal...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583886&title=budget-help#583886 Author: lilfatty
Subject: 23642
Posted: 11 January 2009 at 12:53pm

Sorry I may be having a hormonal moment, but Im not sure what you are asking.

Are you trying to figure out how much you will have spare after each pay?

Or were you looking for tips on how to cut back ]]> Sun, 11 Jan 2009 12:53:47 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583886&title=budget-help#583886 <![CDATA[Budget help : What we do is work out how much...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583883&title=budget-help#583883 Author: kebakat
Subject: 23642
Posted: 11 January 2009 at 12:51pm

What we do is work out how much we generally pay for power etc.. it does vary but for us at least during summer it varies by about $10 and then it's another amount for the winter months.

Then we wrote a list of all our bills that go out each month, work out what was left over for food and for sanity money plus some for savings and random bills that show up and divided it up.

We use different accounts for different purposes to make it easy for us. DH and I have out own little accounts. I have one that we put some money in each pay day for xmas so come xmas time we don't need to find money for presents etc. I even have one for Daniel so anything I want to get him comes out of there]]> Sun, 11 Jan 2009 12:51:34 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583883&title=budget-help#583883 <![CDATA[Budget help : Edited by Flake ]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583874&title=budget-help#583874 Author: flakesitchyfeet
Subject: 23642
Posted: 11 January 2009 at 12:41pm



Edited by Flake]]> Sun, 11 Jan 2009 12:41:40 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=23642&PID=583874&title=budget-help#583874