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Spendy Day

July 6th, 2015 at 09:32 am

I spent way more than I planned to today...

We went to Tesco this morning, with the intention of getting some milk, bread/wraps and some other things. We were later leaving this morning so I ended up buying a sandwich, fruit and juice for lunch. And something for SG too. In the end, that was almost fifty pounds (we stocked up on much-needed toiletries, found a few hair accessories for SG, socks for J, t-shirt for dh plus fresh fruit) I saved 3.50 using a coupon so that will be counted as a snowflake.

We also went to the Costa that is inside Tesco. Spent 7.10

Before we left I paid two weeks worth of rent and 30 to Tesco credit card.

I'm working four hours extra tomorrow. My manager persuaded me. She's good at her job.

Oh I just received a ton of email notifications from other blogs, one of them was from when Crreditcardfree gave away a book. Did this happen to anyone else?

Payday Plans

June 25th, 2015 at 01:55 am

I like the idea of posting what I'm budgeting for payday tomorrow. (Thanks for the idea HouseHappy!)

Aside from bills - rent, utilities and council tax - I will be budgeting:

-150 Groceries
-50 for baby/toddler items (nappies,wipes,new cutlery for J)
-200 to catalogue
-70 to cc#2
-30 to cc#1
-18 to emergency fund
-30 to Christmas savings
-15 to bnpl item (cot & mattress, payoff April 2016)
-44.40 for council overpayment

Debt and more debt seems to be the theme here.

I need to keep track of my catalogue debt too, so I will get that added to the page currently titled Credit Card Debt.

A Little Update

June 12th, 2015 at 12:22 am

I am still doing my best to meal plan. I'm sometimes finding they're not going exactly to plan because we have more leftovers than I thought. I've been waiting until we actually run out of an item before buying another, so this is helping to stop us having to throw out food because we haven't managed to eat it in time.

I'm still tracking spending too. Next pay, or in the near future, I need to set up an entertainment and misc category. They're both not in the budget yet I've bought things that can count as misc and when we go bowling next week that will be entertainment.

Dh phoned me when he was on his way home from work yesterday. He told me he had the letter from the council with him that said we had overpaid, and that he was going to go into the office to speak to someone about it. I didn't think there was any point but he wanted to try.

When he came home, he told me the person he'd spoken to had phoned someone to discuss the debt. She told him we can repay it back at 11.10/wk. I will probably still use snowflakes for it - when they are redeemed and in my account - because it wasn't in the budget. I now need to add a column in my spreadsheet for this. I don't want to drag this out too long, but at least it is kinder to the budget.

I think I need to do save for birthdays too. I save for Christmas each pay, so birthdays should be saved for too. I think my problem is that I don't want to try to save for too much and then fail.

I'm not sure that I'll meet my emergency fund goal this year, especially as I'm diverting snowflakes. But I will try my best.



Update

June 6th, 2015 at 10:56 pm

It's official; Dh is sick of me talking about debt and how much I hate it. I told him I'd love to be debt free by the time J starts school - so four years from now - he think we'll still owe double figures to the catalogues. Ideally, I would personally love for all of my debt to be gone in two years.

I complained to my bank about not being able to use my card online. They passed me on to the card care department, who told me that they had noticed fradulent activity on my account (a charge to my mobile phone) I told them that I didn't carry out that transaction. They also told me that a new card was sent out to me on 21/4 but I never got it. I'm waiting on them sorting that out now.

I checked out prices for bowling. Dh and I have agreed that we'll go next Monday for their 50% off deal.

I'm still tracking spending. I forgot how eye-opening it is. It's clear that I don't budget for everything, so I need to fix that. I'm also still meal planning. Today I'm going to make up some soup using some not so pretty vegetables that are in the fridge.

Leftovers etc

June 3rd, 2015 at 09:57 am

We're using up some leftovers for dinner tonight, possibly tomorrow too.I underestimated how much leftover we would have.

I came home from work and dh told me had ordered two games from the catalogue (because he didn't have the cash to buy them) and he picked BNPL. I said he should start paying it off before it gets added and I offered to help; he said if I wanted to help him I could help him with his credit card. I said that the catalogue needs help too, he thinks his credit card is worse. He asked what one I would want help with, I said the catalogue.

Still tracking spending - I will update soon.

Tracking spending

June 1st, 2015 at 10:31 am

Our Tesco delivery came today (46.08) It didn't include fruit because I can get it cheaper elsewhere. Nappies and formula are cheaper elsewhere too.

Food: 71.28 (140 budget)
Household: 1.00

I also bought our four-weekly bus ticket (73.20) and put money on our gas and electricity meters (20)

Half of our food budget gone three days after payday. Think I'll need to increase this when J turns one.

ETA: Oops I almost forgot. I posted a package today, that was 74p.

May Snowflakes Total & Tracking Spending

May 31st, 2015 at 12:23 am

For the first time this month, I included my colleague discount savings in my snowflake - or at least, a few weeks of with it. I stopped when my manager reduced my hours. I'm not sure if I'll add it for June, we'll see. (I also still owe myself 15.00 of Swagbucks rewards)

6.00 Tesco coupon
7.25 Colleague discount
2.50 Opinion Outpost
3.00 My Survey rewards

18.75 Total

I have now accumulated 110.74 worth of snowflakes, or 74% of my goal. I must have set my goal too low at the start of the year, but it was just a guess.

I have decided to keep track of any impulse purchases and note exactly what I spend in the baby category, and gifts etc. So far, it's looking like this:

food: 25.20 (140 budgeted)
baby: 90p (70 budgeted)
gifts: 9.00 (zero budgeted)
impulse: 1.80 (two bottles of Oasis juice, zero budgeted)

My cousin had her fourth baby boy a few days ago, so I bought some clothes and a card for him.

Predictable Payday Post

May 29th, 2015 at 12:32 am

This post may be predictable, but I didn't predict that my debit card would be declined when I tried to make online payments. Thankfully, dh had left his card at home so I transferred money to him then used his card. Phew.

I paid 200 to Littlewoods, minimum was 156.
I paid minimum to BOS and Tesco. While doing that, I was pleased to see that my balance transfer has gone through. It then occurred to me that maybe I could have skipped BOS's minimum payment since the 1000 balance transfer was technically a payment? Well, I'd already paid it when I thought of this.
I also paid 15 to the cot/mattress BNPL.

I'm in the middle of ordering groceries online from Tesco to be delivered on Monday. After work tomorrow I'll be getting meat from the butcher's and milk. I am going to make up a meal plan.

I also need to keep track of my spending to see where my money's going. I have a suspicion that I'm wasting a lot on impulse purchases after work.

J will be one in a few weeks, which means I don't need to buy as much formula from this pay.

Dh wants us to go bowling with the kids soon because we got a coupon for it. He thinks SG would love it.

I forgot to mention that last week someone at work unexpectedly died. I didn't work with him but dh knew him. He was out jogging when a cyclist hit him. He was ok at the time and he even spoke to the cyclist. Later he went to our local hospital then to one in Glasgow where he died from serious head injuries. They're still looking for the cyclist since they never exchanged details.

Payday Post

April 30th, 2015 at 10:51 pm

I paid 250 to the catalogue this morning, the minimum payment was 188.xx. I just used the money that I would have sent to cc#2. I then paid 15.00 to my bnpl item, which is the cot and mattress.

I will just continue to focus on paying off the cot and mattress because I can't manage to payoff the other item, clothes, bed and mattress, by December. The balance has to be paid off in full, otherwise it will be added to your account.

Next I will be paying minimum to both credit cards.

Playing with Numbers

April 17th, 2015 at 01:54 am

J is sleeping, and Doc McStuffins is on, so I've been playing about with my budget. Assuming I worked my pay out correctly, I should be able to finally pay 160 to cc#2, extra to cc#1 and set aside money for June. We still need new outfits too, but I haven't decided how much to budget for that.

Payday

March 6th, 2015 at 02:22 am

Today is payday. This morning I paid minimum payment to both credit cards and made a payment to my catalogue.

Next on the list is transferring money to MIL and then that debt will be gone. I'm happy to have less debt, I just wish it was mine.

Tomorrow my automatic transfers will hit the emergency fund and I will finally hit triple digits after two failed attempts last year (money withdrawn not long after reaching triple digits). I just hope it stays there for a while.

J is away for his morning nap so I got SG to help me bake a chocolate fudge cake with ingredients that we had on hand. I will buy in more flour and sugar and we will do lots of baking this month. More specifically, SG's birthday cake.

I'm back at work at the end of the month. I got my dates mixed up, I thought it was the beginning of April. I know that I'm lucky to have gotten nine months maternity leave in the first place. I need to get in touch with work to sort out my hours.

It's freezing!

November 10th, 2014 at 12:36 pm

I went shopping today, spent 6.83 at Aldi on fruit, bread and some meat. It was freezing. I had my warm jacket on but I was cold waiting on the bus. Hat, scarf and gloves next time I think.

I sorted out some of J's clothes today that we were given. It didn't take too long and now there's more space in SG's room. I also tried some of the clothes on him while I was doing it. It's so nice to have a willing model; SG is a different story.

I paid 30 to the new credit card yesterday. It will take a few days to update though.

I'm starting to think about next year's goals.

My frugal and not-so-frugal ways

October 1st, 2014 at 02:13 pm

Recently I've noticed that I've been trying extra hard to save money while at the same time having a lot of unplanned - usually impulsive - spending. This is a new problem.

I'm a member of a FB page that auctions of items to help a charity. I love this charity. I'm not sure if it's because I've been a member for a few years and read their story (their nine month old died) that I really feel involved with their story. Lately, as in two weeks ago roughly, I won my first auction. I had only bid £1 but it was the highest bid and I won. I paid the money, feeling great about giving to charity. The following week, I bid on some more items, not intending to win but just to start the bidding process and help raise money. Well, I won. I've won two more since then. I've spent almost thirty pounds on this charity. All unplanned. The good news is that it's for SG and J's xmas.


I've managed to stretch a 750g packet of mince into three meals for us. I think hubby is sick of mince now but he knows the situation.

We went through next pay's budget with a fine tooth comb and it's going to be just as bad as this month (not due to impulsive spends though) I might have to transfer money out of savings this pay because it is that bad. I'm so disappointed in myself because I already did this in May I think it was, and now I have to do it again. It was nearly at one hundred pounds again. I don't want to do this every few months, it's like one step forward, three steps back.

Worse than I thought

May 3rd, 2014 at 12:53 am

Well, I phoned work yesterday to find out the reason for my low pay. The company only pays twelve weeks of sick pay; I've used all mine. My pay was government sick pay.

Hubby came home from work and checked his balance. His pay was worse than mine!! We worked it out and it's because he took sick days when I was first out of hospital. It was at that moment that I decided to withdraw one hundred pounds from the EF. Does this qualify as an emergency? To us at this point yes. I just want to make sure we can pay everything. I didn't want to withdraw the money but I can't see any other option. We've already borrowed money from family before so i don't want to do that again - although I suspect my mum might offer if I mentioned it but that would be 20-30 pounds and we need more. Goodbye goal of even reaching 200 pounds this year.

I'm trying to spend as little as possible on food shopping. I ordered from a website called Approved Foods to fill up our cupboards. They sell food that is close to or past its sell by date. It's all dry foods though. That was almost forty pounds but I ordered a lot. We should only need to buy some fresh meat and bread and milk. We go through a lot of milk, especially since I try to make sure that I drink a pint a day.

I also decided yesterday that I need to claim for my first hospital visit in December. I need to do it before next month when it's been six months. I can fill in the form today and get it sent. Hopefully they will process it this month.

Peace & Quiet

February 26th, 2014 at 11:25 pm

SG is still sleeping so I used that time to check over my budget for next pay period. Everything has now updated with the new minimum payment so there will be no surprises. Assuming that my pay is reasonable, we should be ok. I've updated everything in my notebook, and I just tick it off as I pay it. I also use Excel to budget too but I think I prefer physically ticking items off when they're paid. In my budget, I've put that I'm paying 100 to CC1. Fingers crossed I can do it since I am still on sick leave. I'll make it work, I want that debt gone.

Meal planning, using up leftovers and whats the cost

February 23rd, 2014 at 05:39 am

I've been clearing out the fridge today. I made tuna fish cakes for SG from leftover tuna mayonnaise and leftover potatoes. I put two in the freezer to use another time, so I hope she likes them, I adapted the recipe to what I had. If SG doesn't like them, then we will have them. For lunch I will use up some more cooked potato and have a sandwich with that. When hubby comes home from work, he will have the last of the chinese from last night. There's also two baguettes that MIL gave us that I might try turning into garlic bread then freeze that.

I've got a lot of potatoes and sweet potatoes that need using up. I'm going to parboil some of them today then put into a container in the fridge to be used for wedges or mashed potato. After that I will make the tomato and mozzarella pasta that I was meant to make a few days ago. There will be leftovers so we will probably have that for lunch tomorrow.

I've got a rough idea of what I'm going to make this week:

- tomato and mozzarella pasta
- cottage pie
- pizza with pepperoni, leftover mozzarella and peppers (forgot I had a pizza base mix from a while ago)
- corned beef hash

I was playing about on Whats the cost this morning. If I am able to pay 100 to CC1 every month I will have it clear by the end of April 2015. Then, if I pay 180 to CC2 that will be gone by June 2018. Of course, it sounds great in theory but I will try my best to put it into practice.

I also want to make sure that we have some sort of an EF because that's what caused a lot of the credit card debt in the first place - that and unnecessary spending . Part of me wants to save 10/fortnight rather than every four weeks but I don't know if I have the room in the budget for it just now. It does work out as only ten pounds extra every pay period.

Using up Leftovers

February 14th, 2014 at 12:26 pm

I've really been making a conscious effort to use up leftovers.

I made corned beef hash for the first time this week. We had a lot left over so when my mum came to visit I sent her away with some. As it turns out it's a really cheap meal to make: tin of corned beef, mashed potatoes, baked beans, onions and tomato sauce. In the oven for 10-15 mins.

Sent hubby to work with some beef casserole.

MIL brought hubby home yesterday and gave us some hamburger pasta that she had made and a sausage and bean casserole. Me and SG had the casserole tonight, I just added some grated cheese. Hubby is going to have the pasta tomorrow since it's one of his favourite dishes (his mum used to make it all the time)

I've been checking our grocery budget and we have 22.37 left to last until payday (7/3). I only need to buy milk at the weekend so I'm not worried. Yet. We do have a full fridge and freezer so there's no reason to stress.

next year's budget

December 9th, 2010 at 04:29 am

I started using an application "Budget Brain" I have two budgets stored on it. One is my current one, the other is what I want to do.

In my first budget I am paying 248.04 towards debt, and only 5 to savings.

Budget 2 I am paying 275.12 towards debt; 48.75 savings and I added 20 for going out. I increased payments to CCs and savings in this budget. I am hoping to follow this budget next year. The only problem with this budget is that it leaves me with a 3 underspend each month. However if it means that I get to clear debt and save then it is worth it. After all, I will have budgeted for everything that i need anyway, right?



Where does my money go?

November 24th, 2010 at 11:18 am

This is what I end up asking myself a few days Ouafter payday. I mean I've been working extra, I should have money left over. I wish. I only got paid on Friday and I have 198.16 left. I'm going to have to claim the money back from my contact lenses so I don't end up overdrawn this month. I'm gutted, I wanted to put it into savings. Practically all of my money goes towards debt. Anyway, here it is:

average pay: 788 (every 4 weeks)

Outgoings:

"rent" 160
car payment 101.79
car insurance 94.83
catalogue 80
dental plan 12
phone 30 (average)
petrol 40
cc1 40
cc2 40
Love Film 18.99
savings 5

Total: 622.61

Note: all payments listed for catalogue and credit cards are above the minimum.

Next month my road tax is due - and I haven't got any money put aside for that. I could just kick myself. Anyway that will take me to 707.86 (Next year I'm saving for road tax!)

Ok, if you managed to read all of this, thank you. Vent over.

I would love to take all my leftover money and put it into savings/clear debt.




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