L woke up as soon as I signed in. It's like she knew I was planning on updating here.
Anyway, there actually isn't that much to update. We're still surviving here,although it's a teeny bit better now that we're five weeks in. I think I got at least five hours sleep last night -not five hours straight though.
An acquaintance offered me her daughter's baby clothes. It's so nice of her, especially since we don't see each other. She also told me to message her if I ever need to talk. I'm not really comfortable doing that, but I did say thanks for thinking about me.
I've got three more loan payments left.
Hubby has to phone the credit card company to discuss what he owes. It's all in his name, I don't even know his login details. Well, I can't remember them. I did set it up, but that was years ago.
I also checked hubby's bank account. Nothing happening there other than it had been over a month since I'd checked.
I signed up for a delivery saver trial with Tesco. I haven't been in a supermarket for a proper shop since before L was born. I'll keep it when the trial finishes. It's such a time-saver. Yes, more expensive than aldi but they don't do online shopping.
I think that's all.
Viewing the 'Spending' Category
L woke up as soon as I signed in. It's like she knew I was planning on updating here.
It's been a while since I last updated. So, what's been happening?
First of all, I started watching a lot of budgeting videos on YouTube. Actually, I started that at the beginning of the year when Creditcardfree mentioned it in her blog. Now, I'm trying to figure out if I'm more of a pen and paper gal, or if spreadsheets are the way forward? And, do I prefer updating daily or once a week? And cash only? Right now, it's mostly cash for variable expenses.
I had a birthday. I treated myself to a new cookbook from Amazon. I had vouchers so the book was free. The aim of the book is feeding a family of four for £40/wk. I'll be making some stuff from it.
I also just spent a Christmas gift card today. I added a couple of things for the kids. I was 6.49 OOP.
I had a check up at the dentist. One of my fillings needs replaced. It'll be £56. This wasn't in the budget so, today, I made sure that my health plan is updated online. I can make the claim the same day so that's good. I also made sure that both kids are on it. They are. (Youngest has had a lot of referrals since last year. Possible autism diagnosis. We've been to lots of appointments for him. Next one is ophthalmology this month, since they really did refer everywhere).
Hmm, what else? SG's birthday is next month. She told me the other day she'd like a party. I had to tell her that's too late notice to book a party. Looks like I'll be planning one next year.
On Friday I spent more on food shopping than planned: 72.xx in Iceland and another five in Lidl.
Yesterday it was 16 - I think? - on pull ups and some snacks.
Today it was some new shoes for littlest, whose went up half a size. I also got him a jacket that was on sale. Spent 38 on trainers, then another 26 on the sale stuff.
I think that's enough for now.
It was SG's first nativity play yesterday (at nursery they just sang, they didn't tell a story). I spent:
-£4 entry (£2 each)
-£1 at the craft fayre
Then I bought a raffle ticket from J's nursery (£1)
Completely unrelated, I also got my hair cut (£18)
It's dress down day today, so that's another pound. Last week it was Christmas Jumper Day/Save the Children and I spent £2 for them both to wear theirs.
This is mostly for my notes. It's all in my notebook in my bag anyway.
Oh, we just wrote cards to each of the staff since DH and I ate the chocolates I bought for the teachers (they were two small boxes). Lesson learned: buy them later next year.
I'll also be spending £36.75 at the butchers next week.
I just signed up for Uber Frugal Month, starting on 1st January. It should get me in a good mindset for the rest of the year, and hopefully save me some money. I told hubby I'd signed up. He's fine with it, but he didn't want to read the blog post about it.
I went to Aldi today. Spent 53.xx.
Paid 75 to my 0% card - that'll increase in February when I've paid off the catalogue.
I read an article about the company I work for planning to cut 800 jobs.
Thanks for all of your comments on yesterday's post.
Edited to add:
I'm trying to think of ways to be Uber Frugal next month. I can reduce the number of screens/devices on Netflix, always pack lunch (extra for a Saturday) and pack extra snacks to eat before work when I get there early. Hmm. I'll also use up the food that we have before going shopping.
I can't remember when I last updated...
Ive been really lax at tracking spending this pay, so that'll change as of tomorrow when I get paid. I'm still meal planning, so that is helping. I've been making an effort to use things up. In fact, I've almost finished the bag of dried chickpeas that have been in the cupboard for months. Next on the list, is scotch broth and vegetable broth. And pinto beans. I keep forgetting about them.
I haven't started Christmas shopping yet.
Still paying down debt. Nothing changes.
I took SG to the cinema. It was 2.49 each. I got her a kids snack tray too. Spent 7.49.
Later, I bought her a new jacket and socks. Plus socks for hubby. 25.05
By this point, I was hungry and it was lunchtime. Spent 4.25 on a sandwich and fruit salad for us. Not frugal at all.
I spent 23.69 on shopping today. I ended up going to Aldi, rather than hubby. I wasn't well last night and he's the same today. I must have bought all of their Super 6 today.
This week's meals are:
-bangers and mash
-roasted veg and feta puff pastry tart (I've still got another packet of ready rolled puff pastry to use up next week)
-Butternut squash risotto (the mix is from a jar though, not sure how it will be)
This morning I recycled some jars and dropped off some donations.
Later, I baked raisin biscuits and tomato scones. They will be for snacks.
Yesterday I checked my eligibility for a credit card balance transfer. The check said I would be accepted, however, I haven't applied in case I don't get approved. Also, I'd rather use a balance transfer for my highest credit card, and that balance transfer doesn't run out until October.
I was going to go shopping on Sunday, but hubby made me realise that we don't need anything, so I'll hold off another week.
Yesterday we were in Edinburgh for an appointment and I
spent 18.69 at Burger King. It was unplanned. However, walking through Edinburgh is exhausting and we all needed it (we had some snacks with us).
My budget app alerted me that I'm close to overspending on groceries. I've only spent 72.xx,but it told me to lower my daily average.
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.
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.
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.
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.
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.
Getting ready to go away this weekend to the wedding. I had to buy hubby a new suit and shirt for this one because one he wore last week was uncomfortable.
Must have spent about sixty pounds on taxis to and from the wedding last week. J was really grumpy and fell asleep at the meal.
I'm buying snacks tomorrow to take when we're travelling. It's not too far, but we need to get two trains. Also, have to put money in the card for the newlyweds.
Other than that, I've been decluttering and cleaning.