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Payday etc

September 18th, 2016 at 07:36 am

Yesterday was payday. Nothing exciting. I paid both catalogues and the last of one of the Bnpl items - a hoover- that hubby bought this year. Just one more item to pay off now.

I've updated my sidebar. I'm hoping that by June 2017 most of the catalogue debt will be gone, and I can put that money towards my credit card. Hopefully I qualify for another 0% card, but I'm not counting on it, just in case.

Husband switched bank accounts a few months ago. We were both rewarded 100. I've transferred mine to savings (holiday fund). Need to sort hubby's PIN before we can transfer to my bank, then to savings. He's lost it. I told him that I'm really going to have to save if we want to go *anywhere* in February. Nothing will be going on a credit card (only if hell freezes over, or pigs fly).

SG's is a great consumer. She keeps asking for every single toy she sees. I told her we'll be writing a list for Santa. J, thankfully, is none the wiser.

This and That

August 24th, 2016 at 04:40 pm

I'm on my phone, so excuse the typos.

I picked SG up from nursery today and she told me that her feet were hurting her. After I dropped her off at home, I went to tesco to pick up an emergency pair of trainers for her. I found a pair half a size bigger than she was wearing, on sale for two pound.

I've been using the Notes app on my iPhone to keep track of spending. It seems to be working.

I finally added another ten pound to my Asda Christmas savings card. This should cover the cost of what we spend at the butchers in December - hopefully.

It turns out that my mum actually didn't have a stroke, at least according to her specialist. She is getting an mri soon to confirm or find out more.

Spoke to a random guy at work today. His partner works in the same place as me too. He was telling me that every two years they take their entire blended family to Florida, costing them 9k. He suggested I do this in the future with the kids (we were talking about holidays) I said that we'll take the kids to England first since they've been nowhere.

I think that's all.

EF update etc

August 5th, 2016 at 09:15 am


Holiday Fund remains the same: 40.00

New Balance: 194.11

Things are a bit tight this month. Hubby and I are making sure to use up everything we have. It'll be cheap meals until payday in a couple of weeks.

My cousin is hoping to get married this year, so I'll need to budget for that. The kids aren't in the wedding but I'll still need to make sure that they look good. I don't even know how much kids formal outfits are so I'll need to research that.

Loan payment is due out next week. I'm so excited for it to be under 7k.

I still keep getting letters from the catalogue company, so my account must not be closed.


July 23rd, 2016 at 02:27 pm

I've got two different savings funds to keep track of now. I was going to write it down in a notebook, but thought I'd keep track on here too. They're in the same savings account.




Holiday Fund: 40.00

Tota savings: 184.61

During the first few months of the year when we were struggling, I withdrew money from the EF. Slowly trying to replace that.

A Little Update

June 12th, 2015 at 07:22 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.


November 15th, 2013 at 08:40 am

Today is payday. The first thing I done today was check my bank balance - it's looking healthy, for now anyway - then pay a few bills. I paid my catalogue bill then I paid £30 to my BNPL item (£35 to go, due 13/12 which is my next payday, so need to make sure I have money the day before)

I logged on to swagbucks and have managed to earn 6SB this morning. Thanks to reading CCF's post I realised that I don't have to let the videos play the whole way through.

I need to wrap MIL's birthday presents today since the meal is tomorrow. All in all, we spent 99p on her and that was for her card. I bought wrapping paper for 20p a few months ago so I will use that.

I'm waiting on both credit card statements to update. It will be CC2 first then Capital One.

I got a letter yesterday from another catalogue wanting me to join. "Get £15 off your first order of £35 or more" No thanks. They must send their letters out at this time of year because I've never had one before. They obviously know people rely on them for their Christmas shopping. I've got almost £30 of rewards to use in my Littlewoods catalogue so that will be used for a couple of toys for SG.

Tomorrow my automatic savings transfer of ten pounds will transfer. I need to increase this but I know I need to reduce debt too. I don't want to increase then have to take money out of savings.


October 18th, 2013 at 04:26 pm

Today was payday. We got to see the damage a week off sick had on hubby's pay. Not good. Spending has to be kept to a minimum. Hubby suggested putting bills on the credit card - no way! We will just have to deal and get through this, it will be a learning experience if nothing else.

When SG is sleeping later I'll be meal planning and writing my shopping list.

The only thing I have accomplished so far today is to change the date of my automatic savings transfer. When I first set it up a few years ago, I could only transfer money either monthly, quarterly or yearly. Well, I had a look today and there's a four-weekly payment option, which matches when I get paid. So I've changed the date of my automatic transfer. Now it will be £10 every four weeks rather than every month. I was going to increase it a few months ago, but I never. Part of me was thinking just to delay the payment but if I start doing that I'll never want to save money. It's an evil cycle. And there's another part of me that thinks "you can do better than £10".

During this pay period I will not be paying anything to my BNPL items from the catalogue. I hate it but I had to cut a few things. I've also reduced our grocery budget and household spending. If I could think of something else to reduce, I would. Oh, obviously snowflaking towards debt is not really happening. Again.

Wow this post is sounding depressing. I can think of a few good things though:

- hubby's friend paid us back the money he owed us (£10)
- I had money left in the bank before payday
- our cupboards are full, should only need to think of a few staple items to add to the shopping list

Payday & a new approach

July 1st, 2011 at 07:57 am

I always have a productive mornning on payday, mostly because I pay all my bills online and transfer money to savings online. This morning I've also been to the shops and back. I had to pay mine and hubby's xmas savings to my work colleague. She finishes up today for her holidays so I had to give our money to her. That's another thing ticked off the list. And it's not even 9am yet (almost).

My auto savings transfer and my normal savings were added to my Moving Out Fund today (30) New balance: 479.15 My no spend month definetly helped my savings.

I paid extra to both credit cards this morning. With credit card 2 I'm taking a new approach. I added the minimum payment and interest. I paid that amount (78) to the card. They also charge me for repayment cover, which I agreed to when I first got the card, but I haven't accounted for that. I figure two out of three isn't too bad.

Last day of a No Spend Month (long)

June 30th, 2011 at 03:43 pm

It's the the last day of June and I haven't spent a penny Smile I think that my NSM has been a success, despite a few setbacks - namely my windscreen and breakdown cover.

Here's what I spent this month:

35.78 Beginning balance
- 2.78 (savings transfer)
+ 781.76 (wages)
- 13.00 (dental plan)
- 25.00 (savings transfer)
- 160.00 ("rent")
- 300.00 (hubby)
- 65.00 (credit card 2)
- 41.00 (credit card 1)
- 56.00 (catalogue)
- 70 (cash withdrawal)
- 20.00 (cash withdrawal)
+ 300.00 (cash credit - hubby)
- 2.40 (ASDA)
- 4.50 (candles)
- 45.00 (dentist)
- 70.00 (windscreen replacement)
- 50.00 (DH debt to MIL)
- 16.76 (AA)
+ 105.00 (cash credit)
- 90.75 (6 month road tax)ras
- 50.00 (savings transfer)
- 22.31 (phone bill)
+ 45.00 (dentist reimbursement)
- 98.42 (car insurance)
- 18.90 (Harry Potter tickets)
- 16.68 (AA)
+ 20.00 (money from mum for tickets)
- 49.04 (savings transfer)
= 0.00

Extra transferred to savings = 101.82

Cash envelope balances:

petrol 50 beg/29 remaining
packed lunch 10/3.40
snacks 10/2.24
= 35.36 spent/ 34.64 remaining

I decided to add everything saved apart from small change (5p, 2p and 1p) I added 20 to my car fund and 14.40 to my emergency fund. I put the small change into my money bags which I'll take to the bank soon and add to savings.

All in all, I've done better than I thought I would.If my windscreen didn't need replaced I would have saved 70 more, but that's life. Now all I need to do is think of my July goals.

Payday and car update

February 12th, 2011 at 11:12 pm

Yesterday was payday. After paying bills I added 45 to savings, so that was 20 extra. Also, the day before we got paid I transferred the money I had left (8) I love adding to savings. I'm going to have to write down when I add to savings so I can keep track of it.

I'm going to withdraw money for petrol and a night out we've got planned for next week and put it into envelopes.

I got my car back today. I can feel the difference. I'm hoping I won't see the inside of a garage for a while now.

I WILL add extra to savings!

February 5th, 2011 at 04:11 pm

One of my goals for this month is to add extra to savings. I'm determined to do this. When I look at everyone else's savings, mine is pathetic. Well that will change soon. I'm going to find money, which is already there, and add it to savings. There's 20 there, for a start, that I can add since I'm not paying for Love Film until July. I'm sure I can find some more to add.

Car problems. Again.

January 17th, 2011 at 07:55 pm

Everything was going fine yesterday until I got into the car to get hubby from work. My steering was really heavy as I was reversing out of the parking space,so I think there's something wrong with my power steering. I was telling people at work that I'll need to take it to the garage this week. However, from what people have told me, it might have something to do with the fluid. I really hope it's easy to solve this problem.

Apart from that, things are going well. Before I started work this morning I bought a few things to have on my breaks: snack packs of mini oreos and a snack pack of grapes. I had a coupon for the grapes, 50p off so they only cost 50p Smile

payday, more than I thought...

January 14th, 2011 at 01:05 pm

But it is already spent. This morning I cleared CC1!! I also added my first 25 to savings, it felt good. I paid my other credit card and catalogue too.

I'm not done spending. My tyre may finally get fixed today. I had to phone the AA and upgrade my membership, someone is coming out soon. That was 66 I wasn't planning on spending. I phoned the garage, they have my tyre. I think it will need to go on CC2 when I pick it up. So depressing. I had roughly 50 extra and I've used it for AA.

I'm going to focus on not buying anything at work for the next four weeks. That will save me some money.

New year = more savings? Hopefully!

January 1st, 2011 at 01:25 pm

One of my goals is to increase my regular savings. This is my plan:

1. save 25 4 weekly
2. DH will save 18 4 weekly

We get paid thirteen times a year. So we should end up saving 559. I will add any extra money that I have. I haven't cancelled my 5 auto savings. I checked my bank account and I can't set up a transfer for every four weeks, so I will just have to transfer the money over on payday.

As for Christmas, I will pay 10 each payday towards vouchers until October (through a woman at my work this time) I'm also going to start a Christmas savings card.

The car maintenance fund will probably start off small.

Happy New Year everyone!!

Auto savings

November 1st, 2010 at 06:29 pm

My first auto savings of 5 hit today, taking my new balance to 176. I should have done this at the start of the year, not the end. It feels good though, knowing that my savings have increased a little.

I have 47.90 left in the bank. 18.99 is for Love Film. I need to take money out for the engagement party on Saturday (20 max) That leaves me with 8.91. Ouch. I already have 20 put aside (was meant to be used for taxis for the party last week but wee got a lift)so hopefully I won't need much more, say 10. My orginal budget for the party was 30 anyway. The extra would just be for taxis, although it would be good if we got a lift there.

I forgot about an extra expensee I will have when I get paid: my friend's leaving night. A girl I used to work in the same dept as is going to Thailand in a few weeks then she's going to Australia. She won't be back till 2012. The leaving night is at a pub so it won't be too much, and it's on a weekday so it won't be a late night.