2nd Quarter 2019 Update

Halfway thru 2019 already!

We have been a little busy/sleepless nights lately with the arrival of our new twins in May! Boy and girl, both happy and healthy. Completing our family of 5.


Time to update our progress.

Total Income $28,880

Total Expenses $15,713

Savings Rate 45.6%

Home Loan Balance $-256,602 (Down $11,901 Q2 and $22,755 for 2019)

Hitting our goal of home loan under $260,000 and we are looking good at the goal of $245,000 before end of year.

Travel $0

Work and paternity leave only this quarter. No time for holidays with the arrival of our new babies.

Goals Update

  • Hit 50% savings rate – We hit 51% savings rate in May but the other months let us down.
  • Under $245,000 Home loan – $11,602 to go!


Spending was higher then expected due to purchases for the twins. (Small price to pay)

We still managed to put away a decent amount onto the home loan. ($11,901!)

Look forward to bringing you the next update,



Grocery Shopping

Over the last few months, we have been doing 90% of our grocery shopping online and having it delivered home.

We had been receiving FREE DELIVERY because of a credit card. This offer has recently finished.

Now i need to decide if the time saving is worth the cost of actual delivery charges.

Value of my Time?


It has been a huge time saver, not driving to shops, parking, searching up and down aisle then waiting in a queue to check out. Not to mention dragging a toddler around the shops.

In my area, there are two main options.


under $100 = $15 fee

$100-150 = $12 fee

$150-200 = $9 fee

Online order Pickup = $0 fee


$any = $4 to $20 Depending on location, time of day, length of delivery window.

over $150 = $0 only with a 8 hour delivery window ( Flexi-Free)

Click&Collect = $0 fee


Our normal shopping budget is around $90-150 depending on the week. Although with the twins coming any day now, the extra nappies and supplies will bump this number up.

I believe the Click&Collect/Online Pickup for no cost is defiantly worth doing and more people should be using it. I am in and out within 5 minutes!

Our shopping will probably hitting $150+ in the coming weeks and with someone being at home in the 8 hour window, we could use the Flexi-free delivery offered by Coles.

If I had to pay for the service, I think $9/week, $36/month or $468/year is too much for me to justify. But if i can game the system by using free online pickup and flexi-free deliveries, I can get best of both for no cost.

After using online shopping for a few months, I totally see this as the future of grocery shopping. The grocery store will become more of a delivery warehouse then a corner store. While the competition is still strong between the main players, we can benefit from it.

ChooseFI recent podcast about American grocery shopping.

What are your thoughts? Are you using any grocery shopping delivery?