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A Little Update

June 12th, 2015 at 08:22 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.



Posted in Savings, Goals, budget, EF | 6 Comments »

6 Responses to “A Little Update”

  1. VS_ozgirl Says:
    June 12th, 2015 at 09:15 am 1434096950
    1434096950

    When you're trying to keep your head above water it's hard to do everything - you're doing a really great job. As for your EF - you never know, you're over halfway there already. And if you don't make it, maybe you'll be lucky and have no emergencies and you can start the year with your closing balance.

  2. laura/deacon's wife Says:
    June 12th, 2015 at 01:25 pm 1434111907
    1434111907


    I know that in the past I've been a poor planner on things/or a poor estimator. I have also become easily frustrated and threw the towel in instead of just adjusting my attitude or goals -- good news, I now have fluid goals that can account for cash flow upset.

    I think you are doing awesome. Smile

  3. My English Castle Says:
    June 12th, 2015 at 04:07 pm 1434121644
    1434121644

    I also think you're doing a great job--and the 11.10GBP is better, isn't it? Birthday budgets are hard, especially with kids and not knowing who will have a party etc. But easier to plan for family birthdays.

  4. FrugalTexan75 Says:
    June 13th, 2015 at 01:51 am 1434156669
    1434156669

    Do you have in your meal plan "leftovers day" where you just use up whatever leftovers there are? That might help with your meal planning if you continue to find you are making more than enough for one meals worth.

  5. creditcardfree Says:
    June 13th, 2015 at 01:57 am 1434157055
    1434157055

    I'm a little confused when you use the word 'overpaid'...to me that means you paid them more than owed, so you would be due a refund or money back! I'm glad a plan is in place that is more manageable!

  6. scottish girl Says:
    June 13th, 2015 at 05:22 am 1434169374
    1434169374

    Thanks everyone!

    FT: I had a leftovers day last week. I think it will be in my meal plan weekly.
    CCF: They paid us more benefit than we were entitled to, so we owe them. This was last year.

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