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  • FIRST POST
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 7th Sep 17, 11:53 AM
    • 34Posts
    • 54Thanks
    littlemissbudgetqueen
    Dreaming of being a budget queen!!!
    • #1
    • 7th Sep 17, 11:53 AM
    Dreaming of being a budget queen!!! 7th Sep 17 at 11:53 AM
    I have been sitting reading through everyone's diaries and it has left me feeling motivated to get myself organised with a diary even if nobody else reads it. Debts/Savings as at today are as follows:


    Car Loan: £624/£14,000
    Barclay CC: £5151.05
    Halifax CC: £3.44
    Loan for Professional Studies: £5851.66/ £8660.00
    Argos Card: £332.95/£372.95
    Mortgage: £66,577.00/House value £125,000.00
    LISA: £150.00
    NS&I: £200.00

    I know where most of the money has gone and it relates to one off expenditure (i.e. Barclaycard was a renovation project) that won't need to happen again but I now want to focus on getting the debt paid off and starting to save. I have already started an excel spread sheet which I use for all budgeting but I always end up having to play around with the figures due to extra spending- going clothes shopping and spending more than I intended or heading out for dinner/getting a takeaway. So really my focus now is to be accountable and I think this diary should help.

    I am 29 and the aim is that by 30 we will be completely debt free (DH and I have joint accounts for everything). We have a couple of holidays already planned over the next year but have made myself a budget for these so that neither will require any credit card spending (that's the aim anyway) so hopefully from today the debt about will continue to decrease.

    So that's me for now - I will do out a SOA in the next post once I figure out where I get the format from and also post my goals for next few months.

    Bye for now x
Page 1
    • Purplemumof2
    • By Purplemumof2 7th Sep 17, 12:12 PM
    • 5,256 Posts
    • 18,446 Thanks
    Purplemumof2
    • #2
    • 7th Sep 17, 12:12 PM
    • #2
    • 7th Sep 17, 12:12 PM
    Hi welcome to Diaryland
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7000.00 Cap 1: £493.40 BC: £5000.00

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • redofromstart
    • By redofromstart 7th Sep 17, 12:20 PM
    • 523 Posts
    • 2,949 Thanks
    redofromstart
    • #3
    • 7th Sep 17, 12:20 PM
    • #3
    • 7th Sep 17, 12:20 PM
    Hi, and good luck with it. Update regularly and people will come and cheer you along.
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 7th Sep 17, 1:04 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    • #4
    • 7th Sep 17, 1:04 PM
    • #4
    • 7th Sep 17, 1:04 PM
    Ok - I have prepared the SOA. This doesn't take into account holidays/Christmas/presents as I tend to just add this in for the relevant month and it can be quite changeable.

    Household Information
    Number of adults in household........... 2
    Number of children in household......... 0
    Number of cars owned.................... 3 (we each have a car and also have a campervan which we have just converted - hence the amount on the Barclaycard)

    Monthly Income Details
    Monthly income after tax................ 1400
    Partners monthly income after tax....... 2462
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 3862

    Monthly Expense Details
    Mortgage................................ 388
    Secured/HP loan repayments.............. 307
    Rent.................................... 0
    Management charge (leasehold property).. 30
    Council tax............................. 88
    Electricity............................. 40
    Gas..................................... 40
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 65
    TV Licence.............................. 12.12
    Satellite/Cable TV...................... 0
    Internet Services....................... 45
    Groceries etc. ......................... 200
    Clothing................................ 0
    Petrol/diesel........................... 440 (we both commute to work in different places and this is actually cheaper than public transport)
    Road tax................................ 35 (for all three vehicles)
    Car Insurance........................... 160 (DH recently had an accident which has shot his premiums up massively)
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 20
    Buildings insurance..................... 29 (includes contents insurance)
    Contents insurance...................... 0
    Life assurance ......................... 10
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 0
    Haircuts................................ 0
    Entertainment........................... 200
    Holiday................................. 0
    Emergency fund.......................... 0
    DH & My Pocket Money.................... 550 (we get a weekly amount which is to cover our clothes/haircuts/meeting up with friends etc)
    Total monthly expenses.................. 2659.12

    Assets
    Cash.................................... 150
    House value (Gross)..................... 125000
    Shares and bonds........................ 200
    Car(s).................................. 12000
    Other assets............................ 0
    Total Assets............................ 137350

    Secured & HP Debts
    Description....................Debt......Monthly.. .APR
    Mortgage...................... 66577....(388)......0 (will check APR and update)
    Hire Purchase (HP) debt ...... 624......(307)......(will check APR and update)
    Total secured & HP debts...... 67201.....-.........-

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Barclays CC....................5151.05...62........0 (balance transfer card)
    Halifax CC.....................3.44......0.........(will check APR and update)
    Argos Card.....................332.95....0.........0 (for six months hope to have repaid before interest kicks in)
    Prof. Study Loan...............5851.66...252.......(will check APR and update)
    Total unsecured debts..........11339.1...314.......

    Monthly Budget Summary
    Total monthly income.................... 3,862
    Expenses (including HP & secured debts). 2,659.12
    Available for debt repayments........... 1,202.88
    Monthly UNsecured debt repayments....... 314
    Amount left after debt repayments....... 888.88

    Personal Balance Sheet Summary
    Total assets (things you own)........... 137,350
    Total HP & Secured debt................. -67,201
    Total Unsecured debt.................... -11,339.1
    Net Assets.............................. 58,809.9

    The amount left at the end from now on will be split between paying back debts and saving for our holidays. After the debts have been cleared up - the plan is to save hard for our forever home.

    I do have Topcashback - which I love! Any other suggestions though would be great! Will get my plans organised for the next few months and get them posted shortly.


    Bye for now x
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 8th Sep 17, 3:01 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    • #5
    • 8th Sep 17, 3:01 PM
    Time to set some goals
    • #5
    • 8th Sep 17, 3:01 PM
    Was informed by DH yesterday that he wanted to service the campervan and his car which should cost about £100 - and he wants to do it today! He has a habit of doing this - no matter how many times I tell him that I prepare our budget on a monthly basis he will still tell me with one or two days notice of something he has to pay for!

    On the subject of DH - he has to go away with work for a few days next week. They have asked him to take his card and they will refund him the money once he submits receipts. This wouldn't be a problem for most people - however last month he went away with work for a day trip and had to fill up the company car - spent £42 that day and then lost all the receipts!!! Have warned him that if he doesn't keep all the receipts the money is coming out of his monthly allowance. Hope that should do the trick.

    Sister has also contacted me today - she is on holiday and miscalculated the cost of hiring a car. Have had to loan her £260 until she gets paid - completely messes up my spreadsheet for this month grrrr!!!

    We are going on holiday next week and have set aside a budget for that so will keep track of our spending and report back.

    Now for future goals -
    Christmas - Save £700
    Holiday in January - Its a big one! Save £3000 (Already paid £2400 for it)
    April 2018 - Have £4000 in Lifetime ISA account. House at moment in my sole name so DH able to get LISA towards next house.

    Have also realised that my car payment went out and I didn't reduce the amount owing - so there is only one month left on the finance - YAYYYY!!! Will reduce amount owing now by £312

    Bye for now xx
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • scotdebs
    • By scotdebs 8th Sep 17, 3:42 PM
    • 559 Posts
    • 3,098 Thanks
    scotdebs
    • #6
    • 8th Sep 17, 3:42 PM
    • #6
    • 8th Sep 17, 3:42 PM
    Hello there thanks for popping by my diary - I know what you mean re OH - I was going through online bank statements as this is a TIGHT month for us and saw that he had withdrawn £40 and £50 from the cash machine about 5 days apart - has only £20 in wallet and no recollection of what he spent it on !!!!!!!!!! - Have said unless its specifically for something max £20 withdrawal
    Anyway good luck with the debt busting and saving - will subscribe and cheer you on :-)
    CC debt Aug 2017 £48.6K
    Sept GC £128.11/£450
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 11th Sep 17, 1:54 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    • #7
    • 11th Sep 17, 1:54 PM
    • #7
    • 11th Sep 17, 1:54 PM
    I know scotdebs it can be a nightmare trying to keep on track of his spending - thanks for the subscription and cheering me on hopefully the balance owed starts reducing.

    DH serviced his car and the campervan at the weekend and took the card with him having originally told me it would be no more than £100. He messaged he just as he was about to buy the items saying it was actually £170 - He justified it by saying at least £50 of it could be returned he just had to buy extra parts as he wasn't sure which were right for the car. I went this morning and left back the extra parts to get a miserly £25 He is away with work at the moment so I messaged him saying that it was quite a bit less - his response "well sure"

    I have been keeping an eye on DH's spending on the card for his work expenses and keep messaging him to make sure he hasn't lost any receipts - sometimes I feel like I'm his mum!

    We are heading away early Saturday morning so I think this week needs some organisation.

    Things I need to do:
    - Print off booking confirmation details
    - Clean the house
    - Pack clothes
    - Set up Sat Nav and make sure it doesn't need any maps downloaded
    - Gather up any loose euros that might be lying around
    - Take the cat to the vet for her vaccine - Not really sure how much this will cost
    - Take the dog and cat to their petsitters for our week away - This has been budgeted for
    - Get DH to cut the grass before we head
    - Babysit for nephew this week
    - Meet my friend from old work to walk the dogs - Should be free
    - Meet my best friend on Friday who is home for a few days - Will try to spend less than £5.00

    Money Update
    Spending: I managed to stay within budget this weekend even though I went out with a group of friends on Friday night and DH and I also went for dinner with another couple on Saturday. Luckily both of these nights had been organised at least a month in advance so I had them in my budget. It was really nice getting out with DH to quite a fancy restaurant - something we don't do very often so I really appreciated it and hopefully will do it again in the not too distant future.

    Saving: Not really a saving as such but I was around visiting my parents last night who have just returned from France. Mum started rummaging around her handbag and gathered up almost 50 Euros in coins and notes for me to take on holiday. Yayyy!!!
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • Scott_Weiland
    • By Scott_Weiland 11th Sep 17, 2:22 PM
    • 629 Posts
    • 1,529 Thanks
    Scott_Weiland
    • #8
    • 11th Sep 17, 2:22 PM
    • #8
    • 11th Sep 17, 2:22 PM
    A couple of things i would do really is first get on top cashback then go gocompare and check your insurances ie home/contents/life/pet i am sure you could drop those.

    Pet plan has a thing on top cashback where you can get from 25quid to 70 quid cashback depending on the policy.

    Next 80 quid on gas and electric is a tiny bit high if its just the two of you, i would do the same really have a look at tc i am sure savings could be made there. Me and my ex were paying 25 on electric and 32 on gas with the co-op and we both worked had energy saver bulbs in etc.

    Your mobiles can those contracts be dropped or changed to sim only maybe 780py is a lot.

    Just my 5 penneth.
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.10 Survey Earnings YTD £535.12
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 13th Sep 17, 3:00 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    • #9
    • 13th Sep 17, 3:00 PM
    • #9
    • 13th Sep 17, 3:00 PM
    Scott - Thank you for all your advice. I have topcashback - absolutely love it! Will have a look at pet insurance and definitely the mobile phones - its crazy when you look at it on a yearly basis.


    We are a bit limited with gas and electricity as we live in Northern Ireland - for gas we only have one provider in the area where we live so they are able to set their prices higher than average and there doesn't seem much we can do about it until the other providers start moving in. In the summer gas is more like £20.00 but in the winter it can increase to around £60.00 so I was trying to do an average. Although I will definitely keep a better eye on things this year to see if I an reduce it at all.


    Electricity again - we actually have the cheapest provider that is available here - I switched quite recently - and we are barely in the house during the week. I would be quite good at turning all plugs off etc -we do have quite a large fish tank which I think probably adds to the amount - however again I will try to be better at keeping an eye on the expenditure.
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • Scott_Weiland
    • By Scott_Weiland 15th Sep 17, 4:14 PM
    • 629 Posts
    • 1,529 Thanks
    Scott_Weiland
    I hope you make some savings keep posting it does spurr you on.
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.10 Survey Earnings YTD £535.12
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 28th Sep 17, 2:09 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    Just returned from our holiday
    We got home from our holiday on Sunday. We spent more than we had planned and the card we were using for travel currency was used fraudulently whilst we were away so we had to use another card which charged us fees We went away with other people which I think didn't help as we definitely spent more than we would have if we had just gone by ourselves. It was also one of our friend's birthday whilst we were away so we thought we should treat them to dinner - which increased our spend quite a bit. All in all - it was a great holiday, we loved being away but now its back to reality and sorting the budget out.


    We both got paid a couple of days ago so have paid off the extra spending on our holiday and our balance now stands at:
    Credit Cards: £5252 (Increased slightly since last month )
    Loan: £5851 - although a DD is coming out in the next couple of days which will reduce this
    Argos Card: £332 - this will also be reduced this month
    Car: Approx £321 - the final payment will go out this month -
    LISA: £150
    NS &I: £200 - I haven't added to this or the LISA this month as just wanted to reduce the credit cards by our extra holiday spending

    I have set out a budget for this month - I'm hoping we won't spend as much as planned in some of the categories so I can reduce the amounts on the credit cards. I have also sat down with DH who has agreed to stick to the budget I have set and has also agreed that if there is anything that we need to spend money on he will give me good notice so I can budget for it. We have also discussed a two year plan which I think I will also include in my signature just so I can easily reflect on it.

    Two year plan:
    Have minimum £20,000 saved for our forever home
    Have a baby
    Have no credit card debt and my professional loan paid off (the DD for this end in Sept 2019)

    So there it is - I'm actually quite excited to see the debt come down and the savings built up!!!
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • Lacherlich
    • By Lacherlich 29th Sep 17, 11:12 AM
    • 118 Posts
    • 158 Thanks
    Lacherlich
    Hi!


    Just had a read through your thread -you sound like me! Trying to juggle paying off a mountain of debt whilst still maintaining a busy social life haha. Then on top of that already thinking longer term once the debt has gone!


    Im trying to pay off £25k of debt - (2k down so far!) - whilst thinking more long term to buy somewhere else (so c. £20k needed for another deposit?) Its a lot to do! But we can do it! I think my biggest challenge is changing my mind set - and reigning in my spending. I'm always surprised when I have no money left at the end of the month after thinking I was being disciplined - but it quickly adds up so you have to watch every £!


    Looking forward to my holiday to Amsterdam - and like you I am not planning to go over my budget. I don't know why I cant just say I WONT go over it?! That's the mind set I have! But trying to change it. Then I have another holiday in November - just a long weekend (again more £££). But this was all booked before my brainwave so going forward hoping I can be more strict! Its only for a year?! It'll fly by!
    *£10,000/ £9,602 = Tesco Loan.*/ * £3186/ £3154= Tesco Credit Card.* / *£4541/ £4531=Barclay Card.* / *£1004/ £930 =HSBC Credit Card .* / * £2,150 / £345 = Owed to Family/Friends =* * £4,419/ £4,350 = Furniture for apartment *
    (Starting balance £25,000 owed in July 2017 - Now £22,839)
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 2nd Oct 17, 12:55 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    Lacherlich - You are right we do sound similar! I like to have goals so I am constantly planning two years ahead whilst also trying to make sure that I stick to the budgeting goals that I have for the immediate future.

    We are the same - within a couple of years we would like to be buying our "forever house" but that will require a good amount for a deposit. I think because we are managing to pay off decent chunks from our debt each month it can be hard to resist the additional spending that so easily crops up. I am trying to be more disciplined but even last night ended up with an online purchase that wasn't necessary

    You will really love Amsterdam - when is it you head away? We also have a long weekend in November - I feel like we are living the same life! We are renting a house with a group of people which I'm hoping will keep costs down and hopefully we will eat in for at least part of the trip. We have a big holiday in January but I do have a separate budget for it and hopefully DH will get a bonus in December (at the moment I haven't included it in my budget) which will be a massive help.

    Good luck with everything - I'll subscribe to your diary and cheer you along
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 2nd Oct 17, 1:13 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    Week 3 - Day Four
    I have decided to start posting according to the weeks/days as it will help in the long run to look back at my progress (hopefully).

    Another DD went out today for my study loan (£252 - although some interest has been added) as well as mortgage (£388) and I also paid off a small amount towards the Argos card (£20.00). The final payment for my car is due out in the next few days and I will officially own my car!!! That will be a great saving each month as I pay £300 per month for it.

    Debt as at today: Car Loan: £312/£14,000, Credit Cards: £5252.00 / £5154.49 Prof. Study Loan: £5642.16/ £8660.00, Argos Card: £312.95/£372.95, Mortgage: £66,277.00 (approx.) /House value £125,000.00
    Goals for Sept 2019: £350.00/£20,000 Savings and Debt Free (apart from Mortgage)!!!
    LISA: £150.00 NS&I: £200.00

    I went grocery shopping yesterday and have my meals all planned for the working week ahead as well as all food bought to make lunches for work:
    Monday - Teriyaki Salmon with noodles
    Tuesday - Babysitting and will get food there- DH will have to fend for himself
    Wednesday - Beef Stroganoff
    Thursday - Chicken with chorizo and mozzarella
    Friday - Have to start attending classes again so will make soup to heat up at work

    GOAL: I will be strict and not buy any extra groceries between now and Saturday!

    DH has been having trouble with his car and has managed to source second hand parts to keep costs down - proud of him for doing this - usually he would just go straight away and buy new. I think the total will be £50.00 which is a lot better than I had been anticipating.

    I'm hoping to get to travel a bit more for work which will bring in some travel expenses which I will divide between paying off credit cards/Christmas savings/and putting more diesel into my car.

    Only 23 days until payday - I can do this......
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 4th Oct 17, 1:20 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    Week 3 - Day 6
    So Monday didn't go quite as planned - I had my meal plan all organised but then DH returned home with a takeaway! At least it came out of his personal budget

    Tuesday: I got a message to say that I wasn't needed for babysitting. I ended up staying late for work and wasn't home until 8.30pm. DH suggested that we go out for dinner but I was strong and told him that I had bought the groceries already for the week and if I had known he wanted to go for dinner tonight we definitely wouldn't have got a takeaway last night. I ended up making my salmon - we weren't eating until after 9.00pm but I did feel good knowing that I hadn't taken the easy option.

    I have been good budget wise so far but I think we are going to have to buy new scales. We got them almost 8 years ago and I think they might be broke. Well - I'm hoping they are. In the past week I have apparently put on 5lb. I am wanting to lose 30lb before I'm 30 next year - haven't really started yet but this week I did watch what I was eating and have exercised slightly more than usual. I definitely wasn't overly strict but I really cant see how I could've gained 5lb. I will use this diary to try to keep myself accountable - I really don't want time to slip by and then realise I haven't even achieved any weight loss.


    I have a friend coming over tonight so will head home after work and make my Beef Stroganoff and then get a catch up with her.
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 5th Oct 17, 11:21 AM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    Week 3 - Day 7
    It's hard to believe that I have almost had this diary for 4 weeks! I feel that I am more aware of my spending - even the fact that I feel I have to come and put it into this diary makes me more conscious.

    I have planned a trip away with my mum and sister which isn't until March next year. We booked the accommodation and flights today - this will all be paid for out of my personal budget which I get every month. At the moment it has been added to the credit card and I will pay this off over time. The card is 0% so I know at least it won't be incurring any interest. We are staying in an apartment so the accommodation is working out around £100 per person and the flights were £115 then it will just be personal spending money whilst I am over there. My sister and I will also be doing a half marathon whilst we are there which is around £25 each. I really need to get myself in gear and start training again - I did a marathon 3 years ago and have ran a few half marathons but I haven't ran now in about 3 months - booking this trip will hopefully motivate me to get training again as I do really enjoy it but I find it so easy to get out of the routine.

    Today I have transferred some money towards the credit cards - it wasn't much but I know that every little helps. I transferred £5.00 from my personal spending towards the holiday payment - just so I feel that I have already helped the amount decrease. My mum and sister owe me some money for the flights which I paid for and I will also be covering most of my sisters which will be her Christmas and Birthday presents from us.

    From our grocery and extra allowances I have skimmed some money and transferred £15.00 towards the credit card and then I looked up our phone bills which worked out £8.00 less than I had budgeted so that has automatically gone to the credit card. Hopefully this method will help to reduce the amount owed without even realising. Before I would've just seen it as extra money to treat ourselves.

    I will update my signature once the car payment for this month has gone out - really looking forward to seeing that decrease to zero!
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 9th Oct 17, 4:36 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    The car payment went out today So happy knowing that we now own both our cars outright!

    The weekend was really busy, didn't really get a chance to sit down but we also stuck to budget (mostly ) - DH has no pairs of jeans so I went and collected a pair on Sunday. They were ordered online on Next so just waiting for that to come on the Next statement and then I will pay off straightaway.

    I had class on Saturday so I will get travel money from work and also money to cover my lunches - this will be split to cover the petrol cost and then to pay off debts. DH fixed his car whilst I was at class - the parts cost £50.00 as budgeted - thankfully that seems to have resolved the issues.

    We went out for dinner on Sunday night - my brother treated us as I am helping him to plan for a trip he has booked. He is backpacking around Thailand, Laos, Cambodia and Vietnam - all countries that DH and I visited when we took a year out to go backpacking. Feeling slightly jealous that he is getting to head away - I absolutely loved our year travelling and really enjoy the planning aspect as well.

    Back to work today - feeling so tired and this is just the first weekend that I have been back to class I was going through our budget on my lunch break and noticed that I had budgeted twice for my car insurance so I have allocated that £40.00 towards different debts It makes me feel like we are making progress - albeit the payments are quite small at times but I know it will all add up.
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 11th Oct 17, 3:15 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    Just a quick update - I had budgeted to pay the quarterly TV licence this month and realised it will acutally go out next month. Extra £35 for debts payment - have split it out towards credit cards and the Argos card
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 12th Oct 17, 5:43 PM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    Today I was helping out at a careers fair for work - I was on my feet all day and actually feel so tired from speaking to people all day. Hopefully we will get some interest in new graduates - the office hasn't really advertised job openings previously and I think the lack of applications last year really made them focus this year on attending careers fairs and trying to advertise properly. I think we managed to interest a few at least so it will be interesting to see when the applications start coming in.

    I had to stop off and get petrol on the way home as DH isn't completely sure that he did fix the issue with his car - or if he did he thinks he has created a new one! The car is going to have to go to the mechanic next week so for now I am driving him to work and collecting him again which is quite sore on my fuel allowance, I'm going to use the money that I get from attending class this Saturday to cover it. I also bought some items that were necessary i.e. cat litter and cat food but managed not to do my usual and buy a takeaway coffee at the same time.

    I have sat down and prepared a running schedule - I am one of those people who love having everything written down in lists as it makes me feel a lot more organised. Half marathon isn't until 10 March so I have plenty of time but think it is best to get going now as it is also going to be my method for losing weight. I lost weight previously for our wedding and know I just have to watch what I eat and get exercising. I have set a goal for myself as mentioned previously that I want to lose at least 30lb before I'm 30. That may have increased now if the scales are correct and I actually did gain 5lb in the last couple of weeks - actually have no idea how ive managed that. I've put off buying the scales for now as I think I might try to weigh myself in town at the chemist to see if my scales are faulty or if it's just wishful thinking - no point in spending money on new scales if they really aren't needed.

    I did spend some money last night after I got home from work but this was for hair serum which is much needed otherwise my hair becomes a frizzy mess. I have really curly hair so it does need something to help tame it. I also bought a pair of trousers for work and a skirt - I have started to notice that my work clothes are down to about 3 different outfits and the fact I am aware of it is making me feel more self conscious when I'm at work that I'm not quite looking the part. I have only been there a year so want to make sure I am making the best impression for any future opportunities that may arise.

    Have to go now and collect DH - making burgers and sweet potato for dinner and have actually figured out that I have got enough in the fridge for dinner until Sunday - yayyy!
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
    • littlemissbudgetqueen
    • By littlemissbudgetqueen 16th Oct 17, 11:00 AM
    • 34 Posts
    • 54 Thanks
    littlemissbudgetqueen
    The weekend went by in a flash thanks to my Friday evening and Saturday classes. I wasn't home on Saturday until almost 4.00pm and at that point I wasn't really fit for anything. This meant that my Sunday was a mad dash getting everything organised for the week ahead. I cleaned the house and sorted out the outside area. Then I went into town and returned the jeans that I had ordered for DH - I also had others reserved to collect but I told them just to return them immediately and I wouldn't even take them home. DH had said before I left the house that I should bring him back the others to try on as he would like more than one good pair of jeans but I said no - I wouldn't mind if his jeans were maybe £30 each but he is so fussy with fit and he actually has funny proportions so his jeans always have to be quite expensive brands. We then went a walk to the beach which was really lovely and then visited DHs parents.

    At this point everything started going downhill - he mentioned that he thinks he will need to get a new car as his is having lots of electrical faults. Definitely not something that had been planned for but he thinks it is getting to the stage where it just isn't overly safe to be driving. He has said he will keep it until the MOT is due to run out which is next May so I have now sat this morning altering our budget (I have an excel spreadsheet for the next two years) so that we can get the car in and around May - or even have enough for a deposit and then will have to look at finance options. It wont be a new car that he is getting but I think it will need to be fairly decent - this last one was £1000 but it has just had so many issues and we are just spending money on it on a monthly basis.

    In the car on the way home I asked DH why he had never told me about needing a new car and he said its because I always say no. This actually got me annoyed as I feel I am always making sure that he gets the things he wants and I end up sacrificing. He then got a bit grumpy with me for the rest of the journey. Then when we got home he started saying he wants to move house now - the plan is that we will save for the next two years and then buy our forever home. We have quite a lot of equity in this house so we had thought we would try to keep this as a rental property/future investment. He started saying we should just move now but he doesn't seem to realise that moving is costly - solicitors fees/estate agents fees/stamp duty and I really want us to be in a position where we have savings of at least £20,000 so that we are in a strong position rather than having this credit card debt. He has come around to my way of thinking but has told me that he isn't happy about it - but he will go along with my plan. This will have to do. I know that our original two year plan makes sense in terms of being financially stable and realistically if I had thought moving was being considered I wouldn't have been as keen to buy do the campervan conversion and book such a big holiday.

    I'm really looking forward to payday - only 9 more days! I have to keep an eye over the next week as I'm going away with work for a few days and then DH goes away. We will both have to pay for things with work and then claim back the money so I need to keep all my receipts and more importantly DH will have to keep his. He isn't great at this and can easily miss out on £50 just by forgetting to keep receipts.
    Car Loan: £14,000 - PAID ,Credit Cards:£5160.00 / £5154.49 Prof. Study Loan:£5390.07/ £8660.00,Argos Card:£245.00/£372.95, Mortgage:£66,000.00 (approx.) /House value£125,000.00
    Goals:
    £350.00
    /£20,000 Savings (ASAP - Sept 2019 at latest)
    LISA: £150.00 NS&I: £200.00

    Weight Loss: 1.5lb / 30lb
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