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Archive for May, 2017

Budget Shortfall

May 31st, 2017 at 02:52 pm

For next pay, that is. Thanks to being off work I'll have less money to work with next pay. So, I need to try to cover this shortfall.

I really don't want to pay less to debt repayments, since it'll be my first month snowballing. And I don't want to stop savings, since these all help long-term. My variable categories are: food shopping, utilities and kids expenses. I can adapt these.

I'm sure I can claim for my two nights staying in hospital from my health plan - I'm not sure how much though...

I could start earning Swagbucks again, although I only have 300. And that takes time.

Hmm... I'm mostly just thinking right now.

Hospital etc

May 26th, 2017 at 07:26 am

I spent two days in hospital with SG because she had breathing problems. It was unplanned, of course. I spent a lot of money on junk food and sandwiches for me, since SG was having hospital food. I must've spent about 20 on food, although I didn't really keep track. Hubby got a takeaway so that was another 21. I also got a taxi home for us - we had so much stuff and I was shattered. All in all, it must have been about 50 in total.

She is doing better now. The doctor gave us medicines and an inhaler for the next few days.

In other news, I just paid off one catalogue today. That was 75.02. The other one is now 330.

Today is payday. Next pay I will be short because of phoning in sick for those two days, but we will manage.

In other news, I've been thinking about budgeting for other expenses such as school stuff. Each pay I send fifty pounds to my EF. From now on, I'll allocate twenty to these miscellaneous items that could potentially break the budget. I'll have to write it down though, otherwise I'll lose track of it. Yep, it only takes a small leak to sink a ship so I want to make sure that that doesn't happen.

Lots of Spending

May 18th, 2017 at 05:06 pm

Well, it feels that way...

I bought the kids new clothes and shoes, paid for sponsored walks, a trip. I also done another Approved Food order because I had a promo code to get delivery for 1.99 ( I normally pay 5.99). My cupboards are filled to the brim. Next pay I should only have to buy fresh stuff so this should help when I get paid again next Friday.

I also realised that I don't properly budget for annual expenses, so I'll need to figure something out. I only regularly save for Christmas. Come August I will have a child at school and one at nursery. Two lots of expenses for school photos, trips, meals (well, I think they're free until Primary 3 - I have to check) Then there's birthdays. Just when I think I'm getting myself together, I realise this. I have to budget in for this stuff; I just need to sort out the details. Hmm.

Debt Snowball Plan

May 11th, 2017 at 07:32 am

Payoff catalogue #1: 75.02 remaining
Send payment to catalogue 2: 440.xx

Hopefully by August this will be gone and I can focus on my credit cards. I'll start with the smaller balance first, which is cc1. Then, finally, credit card 2, which has 2k on it.

The interest free period for cc1 finishes next month. However, the catalogues are higher interests and smaller balances, so I'm choosing to focus on them first.

Hopefully I'll be debt free by the end of 2019.

Upcoming Expenses

May 11th, 2017 at 06:59 am

Yesterday I paid 12.50 to SG's nursery: 6.50 for a trip to the zoo and 6 for football/soccer lessons. The lessons are for six weeks and are subsidised by the nursery, it's supposed to be 3/wk. A coach came to the nursery this week and SG loved it,so I thought "why not?" If she wants to keep it up after, I can get in touch with the company.

Hubby has a stag do coming up this month. I'm expecting that to be at least fifty pound. Then I have the wedding reception in June - assuming I hear about transport, that is.

June is also J's birthday. I'll be getting him a bed. Right now, I only have a duvet set and sheets that I got in Asda/Walmart when they were on promotion for 20% off. I got a new one for SG too. I still need to buy the actual bed and mattress, so I've been looking online. I'm hoping I can get one for under 150.

Also, I want to take us to adventure mini golf for his birthday. We'll only go for one game since I know how grumpy and tired he gets. I checked and it's 23 for a family of four.

Lastly, I want to try to get us out more during the summer, so I'll need money for that.

Cheque

May 4th, 2017 at 05:20 am

I deposited the cheque from my utility company. It was for 9.53. I paid the same amount to the catalogue, the balance is now 75.02.Once this is gone, I'll put that payment towards the other catalogue. Then, finally, towards my credit cards when both catalogues are gone.

I went into M&S for a look, and left 20.80 lighter. I only had one bag. This is me who was trying not to spend a lot on food shopping this pay. I got us a Summer meal for two for 7.00 and we really enjoyed it. I guess a treat is fine once in a while.

Hello May

May 1st, 2017 at 01:59 pm

We had the other wedding at the weekend there. Hubby went, since no kids were invited. I'd booked us two nights in the hotel, but I only stayed one with the kids. SG was ill so I came home a day early with them. Good thing too cause I had a really bad night with her. Total spending for the hotel was 330.90 and about 60 on train fares and taxis. Kids really enjoyed it.

I'm going back to basics with food shopping and tracking expenses.

One catalogue is at 84.50,i think. I want to get that gone this month. I have two cheques to cash which I'll put towards it.