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Wednesday, January 4, 2012

♥ Saving!

it's PAYDAY


and seeing money in my bank account makes me happy, because I've been eating into my savings a bit over the Christmas period, so I was able to pay that back, phew.

On the topic of money, I think being brought up in a Western society, and always being supported by my parents... money has never really gotten to me that much. I've never really worried about being short on money. But I guess as I get older, there are more things to think about... About celebrating a 21st, getting a new car... a wedding later down the track. And I have to remember that the more deeper I get into med - the less I'll be able to work - as the course becomes more demanding.

I've always tried to save half of what I earn at Vodafone, because I work so little at Reddot, I generally just spend whatever I earn from there...

But during the semester - and especially during exam time, I tend to eat through my savings a bit. I will take "loans" from my savings account... most of which I haven't paid back! And once you add them up, they total to around 2k! And all my travel flight costs and holiday spending money generally come out of my savings too.

Well this year, I'll be in my second year of med, and I'm hoping I can work at least 2 shifts a week ~ 15hrs, that should bring me an income of around $300/wk. Put away half for savings, then minus tithing, TEAR, sponsor child, phone bill, and I'll still have roughly $100/wk to spend... but then again, lunch at uni, a friend's birthday and breakfast or dinner with another friend or the bf, and even that gets chewed up pretty quickly.

But then technically, even though I put half away for 'savings', I still end up eating through it for travel / exam time etc... so... time to think of a new saving strategy?

As well as a better paying job?

I think so.

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dt
7:20 PM

Sunday, August 22, 2010

♥ savings

so when i first received my group certificate for vodafone i was pretty happy.

it said i earnt about a pretty decent amount. and i looked at my savings and had saved around nearly as much as i had earnt (it was off about 1k). So WOOO to me because that meant i saved much more than the 50% of what i earnt as i had planned, even if i include what i earnt at reddot.


however, while doing my tax return with mum, i realized that because vodafone changed to be vodafone hutchison... it means they have two different ABN numbers. hence technically i should have two group certificates from them..

on the other cert, which i didn't get, says i earnt actually nearly double what i thought i did...

sigh, so i guess i didn't really save half of what i earnt like i hoped.... doh

i knew it was too good to be true :(

where did all my money gooooooooooooooooo???????????

---------
edit: so i thought i would be getting my whole tax back...
*bubble bursts*
but NOOOOOOO. i'm only getting like 20% of it!!!!!!!!! *cries*

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dt
9:04 PM

Tuesday, June 8, 2010

♥ Lydia's List

during my time at the social justice workshops that church held, i decided to partner with TEAR as a financial supporter for the Lydia's List project

I've always usually been one who donates my time / effort but lately I've found myself bogged down with uni, work, umat, life in general that I haven't really picked up that many commitments as I use to.

But you know, now that i've been working at Vodafone, I've been earning a pretty decent income. Much of this has gone into savings for a new car... another portion to my expenses (which has also increased as my income increase)

So with the realization of the amount of money I waste on food at broadway or on pointless presents for my boyfriend or on online shopping...

how can i not spare at least some of what i earn for someone who needs it so much more?

I really like the lydia's list because it's focus in on women and i think that it's so true how by helping women you help their family too. "Women in developing countries invest up to 90 percent of their income in their families."

So today in the mail I recieved a Welcome to Lydia's List" letter and a cute little bag tag. It reminded me of fair trade products and how I use to walk all the way to the Oxfam shop to look around. Might need to make that trip again, sometime after exams.


I love it! It's so cool I rekon. Made from rice paper bags!


And you know, it's the little things that we can do that can make such a difference to someone else...


So to finish this blog entry, I'll leave you with a story of how TEAR Australia is supporting women in India, Nepal and Bangladesh
Sajeda Begum wanted her three daughters to receive an education, but she and her husband had barely enough money for their daily needs, let alone school expenses. When Sajeda joined a women's self-help group established by Symbiosis Bangladesh she told the other women her dream. They encouraged her to make it a reality. So after careful planning, Sajeda took a loan of 2, 200 taka ($35) from the group's savings pool and opened a small nursery. Now her loan is paid off, her business is triving - and her daughters are all at school!

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dt
11:58 AM

Tuesday, October 13, 2009

♥ hot weather is coming

i can't believe its forecasted to be 32 degrees this saturday...

and i will be stuck at reddot working from 10 - 4pm.

=[ instead of hanging out at the beach.




thinking of canceling looksmart on sunday. was going to work 10.30 - 3.30, but might need to study instead. even though double pay is so appealing, i don't particularly NEED the money... esp since i'm working heaps this wk at reddot :) still not in debt, so yay for financial freedom. will open one of those online saving account thingys soon so i can start getting interest!

exams are looming close. closer than i thought. sixteen days in fact. will try to average a fgpa of 6.5 this semester. but really, i'm happy with anything above 6.2. i hope my hbio mark is better than my anth mark last sem, or else i will be disappointed.

will try to keep everything over a 70 this sem (if anything, chem and hbio will be close)
neeeeeeeed to scrape a 80 for statsss (it's maths! I MUST maintain my love for it!) and hopefully for psyc too! because i didn't really try so much last sem for psyc. and it's not a bad unit, i quite like it.. even though i rarely go to lectures... it is interesting.

i still haven't figured what i'm doing next year. but yeah, it's not the time to lose motivation! must focus on exams... and not let it be a repeat of yr12.

attempting to use my uni breaks more constructively, and it's working. it's difficult when i only have one hr breaks most of the time... so it's not much time but at least we get through some stuff :)

waking up for 9am lectures is becoming increasingly difficult. i'm almost to the point of giving up and just ilecturing. but NO. MUST AT LEAST TRYYYYYYYYYYYY. gahgaghaghah.

that's it for now, i'm exhausted... was falling asleep in my chem lect today.

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dt
10:27 PM

Saturday, October 10, 2009

♥ over the edge

instructor called, he said he has to charge me for one hours worth for yesterday.

that just tipped me off the edge.

called my boyfriend and just started crying on the phone to him.

just feels like nothing is going right.

my boyfriend said i'm stronger than this.

but i don't think i am. not without God.

i really need to just fall onto God and trust that He has a purpose for my life.


exbf just called. after a fifteen minute phone call i'm feeling better. i wonder if he picked up that i was crying about half way through. coming to terms with the possibility that medicine isn't for me... is just. difficult. because i have always believed it's what i want and it's what was for me.

anyways talking now to my christian friend. he's slightly older. haha. more experience with life. but doesn't know how to deal with emotional teenagers =P.

okay i feel better now. so i shall stop this emo blog now

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dt
10:45 AM

Friday, October 9, 2009

♥ 2busy4u

i was only in charge for the last hr at work but i had responsbility of counting the last till which was down $58. sigh, hate when that happens when i'm in charge, because i wonder if they'll lose trust in me if it's always down when im in charge. it's so not my fault though, i counted the money three times to check it. sigh! wish the counter girls were more careful.

i've got heaps of hours nxt wk cauz they're doing a refit ~ 20hrs. yay for money x) finally some hours! no tests nxt wk too..

coming home from work i looked into the dark blue sky. and saw some stars. the moon wasn't there though. but when i looked up i knew it was somewhere, you just couldn't see it.

my boyfriend's been pretty busy lately. it use to be me the busy one but now it's so role reversal. he's always studying on skype or in the library with his friends. which is great for uni, but i wish there were more hours in a day. sitting by myself in the library studying is just so lonely. but he doesn't like to study with me, because we dont do the same course so he can't ask me questions x) and plus, even if we did the same course i doubt i'd be any help anyways xD

on the road to finding some study buddies... because i find when i just go to the library and sit down with whoevers there we just end up talking. where as if i set fixed study session times, maybe we'll get study done?

even if it's not people in my units.. like studying with chris last sem worked pretty well.

but yeah idk if it's really studying or not i need. or just catching up x)

either way, must make more use of my spare uni breaks. i shall make a hour by hour timetable in attempt to be more organised.

exams are kinda soon =/ and it's 1am so i should go bed now.

'til next time

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dt
1:01 AM

Thursday, October 8, 2009

♥ the world and me

dear ditza



when you get grumpy upset or annoyed at the slightest of things... 
remember that it is not the end of the world. 
that it doesn't revolve around you. 
and instead stop to look and see what's going on. 
how people are hurting. 
and not just focus on how much you get hurt over little things.
but the bigger problems others maybe going through.


stop being selfish and open your eyes.

take care,

your thoughts.

------------------------------------------------------------------------------

okay. i might have possibly failed that stat test today. and no i'm not joking. there are tests that i do where i write stuff down that i'm not sure i'm right, but at least i wrote something down. this time, i left 25% off questions blank, as in total blank.. and i wasn't even confident about my other answers. so yes. not happy.

i have been uber moody lately. i can't even blame it on pms. stess, maybe. not really been sleeping as much as i should be either. yesterday i didn't even eat lunch or breakfast. i felt kinda bad chucking it out when i got home... i think i was like studying in the library.. and u can't eat in there =[... so i survived on sultanas that day. i wasn't really hungry anyways.

don't worry. i'm not anno~ i had red rooster today =]! i'm getting slightly addicted to the mini strip wrap and chips for $2.95 ~ it's such a bargain.

must start mantaining my money and open a proper savings account, the zonta bank cheque finally cleared. but i'm already eating into it... so yes. not good.

loving the sunshine we're getting. too bad it's not holding up this weekend, but it'll be back next week. wearing shorts, thongs, tshirt and sunniessss is awesome.

exams kinda soon. my marks book is filling up. psyc is the only one waitin for an exam mark, and if i can scrap a 77% in that i might actually score a hd, but the prospects of that is looking kinda slim atm.

dude i hope i scored 65% for that stat test today. either way i will have to own the exam to pull off a hd, GAH!

anyways, heading off to work soon, will need to ilect chem and catch up with the stats classes i've been missing this wk (since none of it was in the test). need to do psyc quizzes. will also need to spend some time nxt to the printer, printing hbio notes and chem notes and i don't even know if i should bother printing out psyc notes - i might jsut have to open that big fat book.

oh dear stats, i thought we had such a good thing going on! why must you break my heart?

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dt
5:01 PM

Wednesday, September 30, 2009

♥ yum! wayne cooper.

it amazes me how much shoes can make a girls heart melt.

it also amazes how MUCH people can spend on shoes $_$

hundreds. maybe even thousands of dollars. for just one pair.

brandedness = $$$$

and as much as i think really expensive stuff is overrated,
i think it's silly how my student paid 30 bucks for ballet flats from spendless, when she could have gotten a nicer pair from betts for the same price. yes i said it. those shops that claim to sell "cheaper" aren't always cheaper. esp when the other more expensive stores have AWESOME sales.

it kinda reminds me places like target or kmart or even bigW... they are actually pretty expensive for what they are...

hmmm anyways. i went through basement at myer in the city today. and there wasn't much. as i was leaving i dropped by the shoe section. and found these sachi shoes which looked very similar to my sisters but in a different colour. so i took a pic and asked her if she wanted them.

and then as i was waiting for her reply i went around to the other side to look at the rest of the shoes on sale. and found theseeeeeeeeeeee.

yes, wayne cooper. eek. I'm becoming branded. but you will never guess how much they were.

last pair. just fits. shiny!

it's such a classic shoe, the black, shiny, point toe heeled shoes... can be used for businessy stuff or going out stuff... and i admit, it's something my sister would wear. too bad it only came in my size :)

actually i remember once in betts they had ones like these from zu on sale for 50, and i wanted to get them, but never ended up doing so......

but now i have these :) for less than 50 too ;)

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dt
5:56 PM

Wednesday, September 16, 2009

♥ s e v e n

after a full day at uni, i was exhausted, because i didnt fall asleep til after 2am.

it's the last day today. i 'bumped' into him at the anhb lab place. i actually had a purpose of being there, and it had to be at that time too. but then again, i dont think i would have gone out of my way to "avoid" him anyways x)

we also talked on the phone for a bit about tomorrow. so yes. really, its just been getting slacker as the days progress, whoops >__>. but i'm feeling rather satisfied from this break. it's given me the space that i needed. and it's helped me make up my mind abt a few things. and i'll keep reminding myself that its a good option to go when things aren't going well.


i have a pretty cool surprise set for tomorrow. but i don't know how 'cool' it is anymore. hopefully it all works out. i'm quite excited.

i have realized i have no money. actually wait, i do have money. but not as much as i did a month or so ago. i shall have to spend wisely. esp since i'm not working so much anymoree due to weddings/holidays etc coming up...

i leave for ballarat in like ONE week. i didn't realize it was so soon. oh dear. should really begin speech writing.

human bio quiz nxt wk, it's on like SIX topics, compared to the usual two. arghhh!

marks all come out nxt wk (except psyc report) for the midsems/assignments... hopefully that will give an indication of how i'm going, and what subs i need to work on the most.

anywayssss, less than ten hours to go. i sound like a kid going to their first bday party :) excited much?

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dt
11:59 PM

Monday, September 7, 2009

♥ gift ideas


don't you love presents.

i do!

i'm the kinda person who like to give either very typical stuff, or very useful stuff. sometimes thoughtful stuff, but usually practical.

my most common present that i give, is clothes. especially for guys. tshirts and jumpers...
for girls, i use to give lots of jewellery, but i've sorta stopped, because i find that if your like me, u just have way too much that u never wear half of them, so its kinda a waste i guess...

i usually buy things for people things i think they will like / use... and also that i would want if i was to get to it. i don't really like getting useless presents. unless they're nice like flowers (so generic), because it feels good to receive flowers don't u think?

presents that are cool / funny are good too. like cool toys and stuff, you don't really need them, but if they're cool or have meaning... then its a nice present.

anyways. i was putting together a present for my mate in sydney. mate/exbf. uhh, it sounds kinda awkward i guess... but it was a good break up. the kind where ur great mates after. and not great enemies.

when i was thinking of a present for him, i guess it was kinda difficult because i had to take into account postage and handling... weight and shapee etc etc... and i know he's been going through a tough time, so i was hoping to go for something more along the thoughtful side.

then i remembered this one time i was surfing the net for thoughtful presents, and i came across a yahoo post saying something like, getting an umbrella and writing a note on it, saying how "sometimes you need to take a risk, and step into the rain"... corny stuff like that xD.

so i decided to put my own box together. but instead of using such generic sorta stuff, i put a lot of things that had to do with our friendship or the jokes we use to make. i tried to still keep it practical though. ahaha. there was a torch for his car... "to light the way when its dark and ur lost"... and random stuff like lynx bodywash named 'antihangover'... "to rejuvinate in the morning after those long nights"... and other random stuff like pictured sticktape "to mend all things broken" and sesame street bandaids "to heal all things bleeding in style". ahaha, and even a disposable camera "to capture those special moments".

each thing had a little tag attached by ribbon to each little part. and yeah it turned out pretty cool =). squeezing it into a postage bag was slightly difficult. i had to end up drawing a picture of an umbrella, because a real would wouldnt fit, haha.

otherwise yeah, that would have to be one of the coolest presents i've put together. it wasn't cheap though, so i don't think i'll be doing it again for a while, haha, its amazing how all these little things add up!

it's a good present idea though, for someone who has everything they want / need!

missing in this picture: towel, picture of umbrella, candle, big box of tictacs, gift box

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dt
5:56 PM

Friday, September 4, 2009

♥ harbor town fun

uhoh, came back from shopping with more bags of stuff =/

NOT GOOD. $_$.

ahaha. but happy with my bargains =D. it's kinda like, i could have came home with just one thing, but instead i came home with a bunch of things ^^

so quite last minute, chris and aaron and steven joined nathan and i for a harbor town shopping spree =)

chris, and the hat that aaron picked up, from the girls accessories section of just jeans.

nathan trying on the hat... xD

such a camwhore pic, in just jeans xD

nathan attempting to get a group pic in the smaller mirror but failing miserably!

steven in a converse thing that aaron made him try on xD

chris trying on skinnys.

jayjays (steven had gone home by then)
chris is the skinnys. nathan in a shirt with a printed tie xD

top: valleygirl, $4.95. pants: just jeans, $15.


and yes, i bought another pair of jeans >__> straightleg this time. it went with the pants in the two for $30 deal.

so in the past two days i have bought three pairs of jeans, one pair of pants, a top and a bra.

must. stop. shopping.

EEEEEEEEKKK

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dt
5:36 PM

Thursday, July 16, 2009

♥ my first night in charge @ RD =D

i am soooooooo tireddd

today i begun work at 12.

there was two conversations i had today, that took me back a bit and made me think.

the first one was with the full timer. she's 20 or something like that. and getting married next year. she's... a tad weird. she like takes off her sneakers to show her "blue" foot to customers saying how she walked into something blahbah) i was really shocked to find out she was getting married, because i didn't find her mature enough to handle a marriage. but then again, i guess im being pretty judgmental.

she told me today she had found out why she was sick the past two days - and i asked her how come. and she was like. in her exact words "im screwed". and i just stood there looking at her. and was like "ur pregnant?!" and yeah, i asked her what she was going to do, and she said she was going to wait til parents on both sides calmed down to discuss it properly. but she kept laughing while she told me her partner fainted when she told him.

yeah what caught me back was that she told me her mother said she was too young (as expected) and she didn't want her to keep it. i asked her what she wanted, and she said she had no say anyways. hmmm...

my second conversation was with the senior. i said something about how she should quite smoking =P and she was like "dont tlecture me girl!!" hahaha. and then i was like "i tried to get merida to quit, especially because she was pregnant" and the senior told me she quit when she was pregnant, but she still didn't help, she lost her twins. and i was like =/ and kinda lost for words.

anyways, those two conversations made me think quite a bit hmm.. esp because it was such a long day.

it wasn't until 5:15pm though, that i was left in charge. ahh.. it was tiring, stressful. especially this customer who caused such a confusion. i had to refund like 20 items. and put them through the till again -.-" and i kinda screwed up a bit... ^^"

yeah the other till ended up like $130 down =/ which is A LOT. i hope it doesnt reflect my managing skills, but yeah they need to talk to the girls on till =/ because... thats crazy.

otherwise, i cut myself like twice. argh! i dont like how my job involves so much physical work >__>

saturday - i'm opening the shopp! and in charge all dayyyyyyyy... with no help =/.
at least today the senior came back to help me cash up... but i'll be doing it all by myself on sat! gotta rmb to do payroll and all that stuff !!

*wooshhhaa*

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dt
10:36 PM

Thursday, May 21, 2009

♥ sticking to the diet

the other day i was sitting down in the food court at work

and these three women sat down. they already had a baby and i think they were trying to lose the fat that you gain when you pregnant (you know?)

anyways i overheard them talk about salads and food...

and after a while, one of them sat down with a salad from sumo salad - very healthy, good job right? but then she opens a 600mL bottle of coke.

and i started thinking to myself... "uhh, dude, if tryin to lose weight, whats the point of gettin a salad if ur just gonna drink coke?"

it just seemed, so... stupid at the time.

but when i draw parallels to my own life.

i have a dream, i have a goal... i have a way of getting there. a plan maybe.

but do i really stick to my plan... you see, at least that lady GOT a salad... where as in my situation, its like i walk straight past that sumo salad place...

maybe i looked through the window - but i don't bother stopping to buy anything, because those red rooster chips smell so much better... because they're cheaper... easier to eat on the go...

sometimes i don't even realize i walk past that salad place, because my eyes are so set on red rooster. i say i "want" to reach my goal (in this situation - losing weight) but, i dont.

is it because i can't find the time? because i don't have the money. or its just not that appealing.

all these lame excuses...

does it really just come down to how much i "want" it.
is it really as simple as - if you want it, you'll work for it. don't people get distracted? too busy? things don't go according to plan... it doesn't mean that i don't want it.

anyways, this blog entry will sound really stupid if you don't know what i'm talking about - don't worry, i'm not actually on a diet, and i will never pay $10 for a salad... but as i said, its drawing parallels... i dont even know if i make sense.. zzz

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dt
11:46 AM

Wednesday, March 25, 2009

♥ things2do/reminders/note2self

Things To Do / Reminders / Note To Self

READ ANTH BOOK!!!!!!!
do ANTH ASSIGNMENT!!!!!!!!!!

ilecture anth lecture (tuesdays)
ilecture psyc lecture (wednesdays)
stop spending money
pay parents back (books money that i used, phone bill, camera - maybe)
visit a doctor abt the vomiting
convert excel file to older version and check out work timetable for looksmart

stop shopping =/
stop spending o_____O
exercise more
sleep more

oh btw. i got a felix the cat top today! from myer xD for $6.25 or something. gah! i miss myer sales <3...

oh oh. and smiggle sale is <33333... cept they ran outta the pens i was hoping to stock up on. all wellssss... i got some good bargains =D cute stuff too!

jewellery shops - usually im a big sucker when it comes to jewellery sales. but i attempted to resist walking into them today. i did end up walkin to goldmark though, after my dad called me and told me he was going to be late. wasnt really anything great tbh xD looks like im getting better at resisting 8)

my sister & sister in law's bday coming up ... this weekend.... =/ will need to figure out what im getting them... uhoh. $_$

mmm it's heating up over the next week. back to shorts xD cept i must admit, at 645am... its way too cold for shorts! sigh.

Forecast for Thursday 
Fine. Moderate to fresh E'ly winds, easing late morning
and shifting S/SW in the afternoon.

Precis: Fine.
City: Min 16 Max 32

Friday Fine. Hot. Min 19 Max 35
Saturday Fine. Partly cloudy. Min 15 Max 29
Sunday Fine. Windy. Min 14 Max 28
Monday Fine. Min 15 Max 31
Tuesday Fine. Partly cloudy. Min 15 Max 27
Wednesday Fine. Min 12 Max 28

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dt
5:30 PM

Friday, February 20, 2009

♥ time to breathe

ahh its been such a busy week

and on reflection, i haven't been taking very good care of myself.

i've overloaded myeslf. yes i admit i have. i know i have.

but i thought i could handle it - and i did.

just at the expense of my health.

the exhaustion from the contiously lack of rest and sleep

but i'll be honest. i can take it. i guess i've been there, done that... and i know how to handle it. i can take it.

my to do list has surely gotten shorter. but i guess there's still important things still to do.

stuff like clean my room. write my yoty report. do ace online.

i've still got to get in touch with all my yoty hosts... as well as burn the photos to disc to post out.

well i should head off... iron my dress for 2moros 18th. also somewhat attempt to clean my room. oh and i must not forget to collate those photos to print - wait. i have no money to print photos. that will have to wait.

oh did i mention? im broke =( sigh! its time to get really serious about saving. i'm going to start recording my spending. louis has this system thing set up on excel that he's going to send to me so i can use. it'll be good to keep track of where all my money is going - especially since i need to pay off that debt.

ugh.

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dt
9:05 PM


♥ theGrumpyToast ;



      theGrumpyToast is very grumpy. Beware, this toast bites.

      welcome to my blog
      yes, the grumpy toast is back,due to popular demand haha...
      tag board is up and running so leave a message
      happy reading =]
      dt.


    1 Peter 5:6-7 (The Message)
    So be content with who you are,
    and don't put on airs.
    God's strong hand is on you;
    He'll promote you at the right time.
    Live carefree before God;
    He is most careful with you.

♥ TagBoard



    The toast said TAG. NOT spam.

    leave a message / comment!

♥ Thank you

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