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Viewing the 'Budget' Category: Trying to Save
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Viewing the 'Budget' Category

Spending so far: UFM

January 8th, 2020 at 02:44 pm

I just totalled up my spending so far:

Groceries: 92.33
Online shopping for kids: 24.55

I didn't realise I was close to £100. 76.73 of it was our weekly online grocery shop. Next week we're going to Aldi.

Eldest needed a few basics and J needed swimwear for school. My work had a special discount event. I decided to order online to prevent impulse buys. I did have to pay £2.95 delivery but I'm okay with that.

J also needs glasses. I didnt want to take him to get them during the Christmas rush. We will go on Friday.

UFM: Day 1

January 1st, 2020 at 08:21 pm

Today was good. It was a NSD.

Steak pie from the butchers for dinner. Chocolate gateau for pudding. Lots of gateau leftover. I was going to defrost either pork or turkey for tomorrow but the fridge is full. So we'll have an omelette or something instead.

Lots of snacks leftover from Christmas to use up.

Note: eldest two like German chocolate snacks I bought for Christmas.

Happy New Year

January 1st, 2020 at 10:01 am

Happy New Year to everyone! It's been ages since I posted. Youngest is now one.

I'm going to attempt Uber Frugal Month Challenge since I didn't do it last year. I need to get back on track. Just waiting on the link to the Facebook group. I'll definitely give it my best shot.

Update

October 10th, 2019 at 05:13 am

It's been so long I don't know where to start. I'm back at work now, I have been for a while. I forgot how difficult it is when they're babies and going to work. L is so excited to see me when I'm home.

We received J's autism diagnosis. We also disputed his school placement. He starts a new school soon.

We owe MIL money from at the start of the year when we were behind on hubby's credit card. I'm finally able to start paying her back.

I haven't started Christmas shopping yet.

Eldest is doing good. I am wondering if we will need to start giving her pocket money soon. I want her to learn how to manage money.

My mum bought a household item from one of those stores that charge extortionate rates (69%+) She told me she can't afford the payments so they're taking her to court. She doesn't care. This is the same place that i spent years paying an item off for my mum (I'd bought it as a gift when i was naive) It took me *years* to get rid of it. I don't understand her attitude.

It's been almost 2 months!!

March 20th, 2019 at 09:52 am

I didn't mean to leave it this long between entries. Since my last entry we've had my birthday and SG's birthday. I had money in the sinking fund for that. We had a relaxed day, eating food that the birthday girl wanted. I made a chocolate fudge cake.

We had to borrow money from MIL a few weeks ago to get current on hubby's credit card. Sigh.

We received the new baby payment, then found a highchair on Amazon for £58.20. It's similar to the one that we had for the older two. The rest of the money is in my savings, allocated as the baby sinking fund. (241.80)

I was also finally able to get the school clothing grant. That money is in the sinking fund too. It'll be getting spent soon,SG has had a growth spurt.

Baby L is 14 weeks now. Sleep is getting better: four-five hours followed by two wake-ups every two-three hours.

Just for reference, and because I haven't updated my sidebar, there is 40 in the Christmas sinking fund. Not much compared to the others.

Under 1k

December 14th, 2018 at 04:53 pm

I just checked, and my loan is now under 1k. Only 4 more payments to go!! I'll be applying that money to my credit card when it's gone.

Update

August 9th, 2018 at 05:41 am

I've reached the halfway point. Baby is doing well,according to my recent ultrasound. We haven't bought anything yet. However, we now need to start getting organised.

I've still been decluttering,although not as much as before. I need to step up before I add baby stuff.

I need to get started Christmas shopping soon. Luckily for me I have a 6 year old who is happy to tell me what she wants. She is an advertisers dream. I do point out to her that she can't get everything. I've started an Amazon wish list for the first time ever.

Speaking of Amazon,I've just claimed a £5 voucher from swagbucks. I need to get back on it so that it can help with Christmas shopping.

Update

July 20th, 2018 at 06:27 am

It's been a while since I last updated. Since then I've been a bit lax tracking my spending. Time to get focused again.

Last night I meal planned and wrote today's shopping list. It's payday today. I'm going to make sweet and sour chicken in the slow cooker (a first for me). I'm hoping there'll be plenty of leftovers.

I'm 17 weeks pregnant now. I'm definitely making an effort to eat good stuff. Of course, this pregnancy is already heaven compared to the last because I'm healthy.

I'm trying to continue to declutter. My mum wants to buy stuff for the baby already, but I told her I need to check what we have first. If I can get stuff nearly new,I will.

Debt is going down. I have to update my sidebar.

My mind has been elsewhere...

June 9th, 2018 at 03:35 pm

I've been really bad these past few weeks, getting a takeaway impulsively last week and buying little things here and there when I'm out. So bad.

I also bought a coat rack from amazon. £23

Kids have school trips coming up. For once, I had money set aside in my sinking fund.That was good.

So,one of the reasons I've been distracted is because I was having bladder problems. I had a catheter in for a week. I went to the doctors the other week because I hadn't peed for almost a day.Two litres of urine later.. then a catheter. I'm now without a catheter and doing it myself, when needed. I wasted some money at the hospital a few times on sandwiches from the cafe.

So,the reason I'm having issues,if you haven't figured it out already... I'm pregnant. I don't know when I'm due,I haven't seen the midwife yet or had my ultrasound. Plus,family don't know yet. We will tell them once I've had my ultrasound. It's nice to tell people, even if it is anonymously.

This & That

April 6th, 2018 at 04:35 pm

I've spent £112 on food so far since payday last week. Ouch. My tesco order was huge though. I've been looking into portion sizes and trying my best not to waste leftovers.

I found a bean and pasta soup recipe that I'm going to make for lunches next week. I cooked up some pinto beans and I also have cannelini beans in the freezer.

I'm going to a speech therapy course for parents of children with social learning difficulties. It lasts 6 weeks. I think it'll help a lot.

My new hours started. My first pay will be at the end of the month.I'm looking at that budget now.

Meal planning

March 23rd, 2018 at 10:29 am

I'm really hoping for a Low Spend April. I've ordered, what I hope, is two weeks shopping from tesco. It doesn't arrive until Thursday. I made sure to order dried cannelini beans, pinto beans and adzuki beans. I've never tried adzuki beans.I'm going to make sure that i cook and portion them up for recipes. My new contract starts next week so I need to make sure I limit my shopping trips. If I can get most of it at once,the happier I'll be.

My meal plan is looking like this:

-slow-cooked pulled pork with potatoes and veg
-sweetcorn fritters with salad
-carbonara-style pasta with pulled pork and mushrooms
-penne with red peppers and spinach (SG picked)
-tostada with chicken, black beans, salsa
-frozen pizza (twice)
-sweet potato and white bean chilli (Jamie Oliver)
-chilli con carne with rice and tortilla chips
-leftovers (definitely need to make sure there's no waste)

This & That

March 14th, 2018 at 12:55 pm

I cancelled one of DH's direct debits. It was only for a fiver,but every little helps,right? Next I'm going to look into reducing our cable package.

I bought a bag of dried turtle beans (black beans). I'm going to definetly incorporate them into our meals. We've already tried black beans with a tortilla and an omelette. It was from my new recipe book. A few meatless nights a week are the way to go, I think.

I finally opened up a savings account for my sinking funds. It's for birthdays and school/nursery expenses. Hopefully I'll have more in the future.

Reworking the Budget

March 12th, 2018 at 04:24 pm

So, I had my meeting at work. It went better than I thought it was going to. I was completely shocked when she said that my hours weren't changing. However, as she started reading through my hours I realised that they had one day wrong. Well,I explained that I can't do that shift because I can't get there early enough. She had a think and suggested a long day. I pointed out that buses are unreliable at that time so she shortened it. The result was that I was now 4 hours less. She said that I can pick up another day to make up my hours,in fact another very early start was suggested.

Well,I came home and spoke to hubby about it. Another very early rise just doesn't work - I'm talking before 4 - so we're just going to rework the budget. Before I left work that day I spoke to another woman who is also reworking her budget.

So,it's not official yet because I haven't signed my new contract. Was it the best decision financially? Probably not, but for my sanity and family life, I think it is best.

Meal planning

February 26th, 2018 at 02:35 pm

I've just done an online shop which is getting delivered on Friday (payday). Before that, I done a meal plan:

-slow cooker pulled pork
-black bean tacos with salsa and guacamole
-pulled pork carbonara
-pizza
-Mediterranean spiced pasta

I'm also going to try baking an orange loaf cake for the first time, and banana bread.

Update

February 25th, 2018 at 04:59 pm

Took out an amazon prime free trial. I didn't plan on SG buying the Frozen movie accidentally today. That was 9.99, but thankfully I had gift cards on the account.

It's SG's birthday soon. All money for it will be coming from this upcoming pay. I wish I had sinking funds already. Mothers Day is also next month.

I've decided I'm going to put an a4 sheet of paper on the fridge with our grocery budget, and spending, on it.

I need a plan

February 22nd, 2018 at 02:45 pm

My work are being a nightmare. I had a meeting to discuss my hours. They want everyone to be as flexible as possible. Well, I explained that I'm not. They noted it down. I asked if redundancy was on the table? No, it's the last option. At the next meeting they will give me hours that some computer decided is best (to meet the needs of the company). I'm dreading it. Someone told me that she was offered hours, but she couldn't work that late and they wouldn't negotiate with her. So, it's all or nothing.

For now, I'm job hunting and resisting the urge to hand in my notice.

So, any idea what I should do meanwhile? Minimise expenses? Put away extra cash? Or towards debt?