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Archive for September, 2015

Update

September 30th, 2015 at 11:57 pm

It's been a few weeks since my last update. I'll try and remember everything I wanted to write about.

We've just been plodding along here.

I've been making more of an effort to track spending, especially miscellaneous spending. So far this pay, almost two weeks in, miscellaneous spending has included a bake sale at SG's nursery to raise money for charity, a sponsored walk to raise money for her nursery, a magazine for me and a few impulse purchases at the checkout.

I seem to be blowing my way through the food budget. I have been doing my best to meal plan again recently and use things up. Maybe it's time to increase the budget. I'll admit though I have noticed that I have been spending more on food in an effort to gain weight and return to my former self.

I started Christmas shopping. I used 24GBP worth of catalogue rewards to get the kids something, so it was essentially free.

Speaking of the catalogue, the minimum payment is now at double digits. I can't remember the last time it was this low. I will enjoy it while it lasts since my horrendous BNPL item will be added on in December, and that will add 44.xx to my minimum payment.

I don't know my snowflakes total for the month. However, I did finally get all of the money transfered to debt and savings for the month. I am stil getting bored of doing surveys, although I did do one yesterday which shoudl reap rewards soon.

I've saved the best news till last: I finally hit 300 in the emergency fund!

Emergency Fund Update

September 18th, 2015 at 11:14 pm

280.78 Beginning Balance
+10.00 Four-weekly deposit
+_2.00 Weekly deposit

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

292.78 New Balance

Payday

September 18th, 2015 at 06:41 am

It's going to be a long four weeks. Pay was less than I thought. Back to tracking spending since for the past few weeks the only numbers I've been counting are calories. (It helps when you have people cheering you on, otherwise I would have lost motivation)

Paid extra to catalogue and paid BNPL item.

Currently meal planning and ordering shopping online. Using up what we have first.

I think I'm in an okay place right now, financial and otherwise, despite the setbacks.

I should reach my EF goal this year. Fingers crossed.

Pre-payday post

September 16th, 2015 at 02:13 pm

Continuing as normal here. Payday on Friday.

Making an effort to use things up and meal plan.

Dh's birthday soon. Budget should be fine.

Extra to debt as normal on payday.

Still thinking about upcoming events so they don't impact the budget much.

All is well.

Emergency Fund Update

September 13th, 2015 at 02:08 am

278.78 Beginning Balance
+_2.00 Weekly deposit

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

280.78 New Balance

A little bit of everything

September 12th, 2015 at 09:46 pm

So I've spent some time thinking about my blog updates. I've decided that I tell more than I did way back when I first started this blog, which is a good thing because my entries were tiny back then, but I don't overshare and reveal too much.

I need to track spending when I get paid again. It's hubby's birthday soon so that will involve some extra spending and I want to keep track.

The first statement for the new credit card arrived the other day. Payment is due at the end of the month.

I still haven't done anything about Christmas shopping yet. In the last week or so, Christmas items have started appearing in the shops.

I haven't added any snowflakes to debt recently. PayPal was acting up and I'm still waiting on those survey rewards.

I will most likely be sending a parcel overseas this Christmas. What's everyone's experiences of this? Specifically, Cj, buendia and my English castle. Although if anyone else has any dealings with this, I'd be interested to hear. I'm not sure how reliable royal mail is at that time of the year.

Dh has decided what he would like me to get him for Christmas. I told him what I would like.

I'm on holiday from work now for a few weeks.

Still paying attention to counting calories. Teeny bit of progress there.

Emergency Fund Update

September 6th, 2015 at 03:40 am

276.78 Beginning Balance
+_2.00 Weekly deposit

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

278.78 New Balance

Short Update

September 2nd, 2015 at 10:59 pm

I was debating whether or not to update, even though there's not much to talk about. I think I was losing interest in my blog there but I don't want people to think I'd fallen off the bandwagon and was away racking up debt or spending my minimal savings (if I disappear). I realise it's only been a week since my last update. I guess I just think I'm at a point where I will talk about anything in this blog. Or, almost anything. I'm unsure whether this is a good or a bad thing

Anyway....

Spending has been all over the place. Seems to be the theme these last few weeks. Food shopping has not been helped with me buying some processed foods. And steak.

I got my haircut. It's a total change.

I haven't totaled up my snowflakes for August.

EF is now at 276.78.

I think that's it.