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  • FIRST POST
    • chickywiggle
    • By chickywiggle 13th Aug 11, 1:14 PM
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    chickywiggle
    children, cross-stitch and chocolate. Chickywiggles debt-free diary
    • #1
    • 13th Aug 11, 1:14 PM
    children, cross-stitch and chocolate. Chickywiggles debt-free diary 13th Aug 11 at 1:14 PM
    Hi,

    have been around the boards a while (mainly £365 in 365 days and cross stitch cafe but others here and there)

    have just managed to secure a 5yr loan to consolidate all my other loans debts etc into one manageable lump (£15000 approx) tho also took £2000 more to cover early repayment fees on loans and a couple of big purchases we need to make - sofas and a washing machine as both are at about the end of their life.

    I plan on destroying all my CC's (other then 1 which i will use in emergencies and pay off ASAP).


    Me and DH have slowly racked the debt up due to moving in together straight from uni, him not being able to get a job for around 3 months. then less then a year into teaching i had to give up my job and couldn't get another.... temped on and off on low paid jobs for over a year and could barly afford the bills let alone a life. eventually getting a full time admin job in 2008.

    then we got married and took a loan out to cover it but didn't get enough so had to max a credit card (or 2) which we kept up payments on but only minimum,

    then fast forward to 2008 and babywiggle was born.
    2011- tinywiggle is here.


    have managed to get all our bills etc as low as we can and we don't waste money (i make sure of that).

    so anyways here's my diary - more of a place for me to put my thoughts/ expenditure etc - and rant so the CSC don't always get the brunt of it. feel free to follow it if you like, helpfully comment if you want to but i'm not expecting anyone too.

    chickywiggle

    - Toiletries Challange - updated August 2012

    Last edited by chickywiggle; 13-08-2012 at 8:59 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
Page 6
    • chickywiggle
    • By chickywiggle 16th Oct 11, 10:25 PM
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    chickywiggle
    Friday 14th October

    Not a NSD but nothing to declare as it cane out of money made from sale of things we no longer needed.

    Targets:

    Food shopping = £0
    Baby shopping = £0
    Other essential shopping (cleaning products etc) = £0


    Random = £0
    Days out = £0


    meals out/ takeaways = £0.
    Clothes = £0
    Presents (birthday/ Christmas) = £0.


    ~~~~~~~~~~~

    Meal Plan (no specific day set)

    - Pork Steaks and Mash
    - Fish (or chicken) and chips
    - sausage and chips/ mash/ boiled potatoes
    - pizza
    pasta
    - cheese, ham, egg, potato bake[/QUOTE]
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 16th Oct 11, 10:36 PM
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    chickywiggle

    Week 9- a summary



    Am reallly impressed that we only went £20 over budget. However this was mainly due to the fact I made £40 selling stuff (which i haven't listed as forgot..... tis getting increasingly harder to remember to fill in this diary but i have to make mysel or I'll fail badly.)

    Targets:

    Food shopping = £11.77/ £10
    Baby shopping = £1/ £0
    Other essential shopping (cleaning products etc) = £11.50/ £0


    Random = £2/ £10
    Days out = £9/ £10


    meals out/ takeaways = £13/ £3
    Clothes = £0
    Presents (birthday/ Christmas) = £5.73/ £10

    Total available to spend = £43
    Total Spent = £54
    Overspend = £11

    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 16th Oct 11, 11:00 PM
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    chickywiggle
    Before taking a look at weeks 10's budget I decided to try and do a BIG shop which will hopefully minimize the amount of shopping I need to get during the next 4 weeks. It will also give me a firm basis to meal plan from (absolutly loads in so it should also overrun into next month).

    Incase anyone is interested this is what I bought:

    Farm Foods - £46.50 (was £49 but I had a £2.50 off voucher)........ GUTTED - this was done over 2 shops (the pepsi in 2nd trip) due to lack of space to carry on a buggy .... otherwise I could have got 1 more item and used a £5 off £50 voucher.

    1 pk Gammon steaks (8ish) - £4.50
    2 x SFC take home boneless box - £5
    2 x 6 golden drummers - £3
    2 x 4 Southern fried chicken steaks - £3
    1 x 4 Hot and Spicy chicken steaks - £2
    2 x cheese hamwich packs - £2
    1 x 15 fish fingers - £1.75
    1 x roast potatoes - £1
    1 x croquettes - £1
    1 x 12 waffles - £1
    2 x toad in the holes - £2
    1 x cooked ham - £1
    2 x 1kg cheese - £10
    1 x 4 heinz spaghetti - £2
    1 x 30 cheese slices - £2
    3 x white loaves of bread - £2
    1 x 2L milk - £1
    1 x 24 pepsi - £5.75


    Home Bargains - £3.76

    2 x Pringles tube - £1.78
    2 x bacon grill - £1.98


    Morrisons - £4.38

    Mince Beef 800g - £2.39
    Pasta Bake - £1.99

    Morrisons baby
    - £4.76 (10 jars)

    Morrisons misc - £5.72

    Bin liners - 72p
    Loo Roll (16) - £5

    ASDA - £21.72

    chips - 74p
    sausages - £1
    lettuce - £1
    3kg pasta - £3
    5 x tinned soup - £2 46
    2 x spaghetti and sausages - £1.36
    butter - £1
    coffee - £1.35
    3 x pizza - £3
    eggs (15) - £1.25
    baked beans (4) - £2.48
    cucumber - 70p
    icing pens - £1.74


    TOTAL

    Food - £76.36 (I may need to buy some top up shops: sugar, milk, bread, cheese, yogurts, ham)

    Baby - £4.76 (I will need to buy milk powder and possibly some more jars)

    Misc - £5.72


    BARGAIN - £1.80 cash back voucher for ASDA due to it not being 10% cheaper.
    Last edited by chickywiggle; 16-10-2011 at 11:17 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 16th Oct 11, 11:28 PM
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    chickywiggle
    Week 10

    Given the big shop we are left with £300 spends for the next 3 weeks - so £100 a week.

    Targets:

    Food shopping = £20
    Baby shopping = £20 (1 x goodnight milk - £3.99 and 2 x stage 3 milk boxes £12)
    Other essential shopping (cleaning products etc) = £0


    Random = £10
    Days out = £10 (taking toddlerwiggle to playcentre for his birthday)


    meals out/ takeaways = £20 (meal out for toddlerwiggle birthday)
    Clothes = £0
    Presents (birthday/ Christmas) = £0

    Total available to spend = £80


    ~~~~~~~~~~~

    Meal Plan (no specific day set - unless indicated)

    Saturday - cheesy mash (re-heated out freezer) with gammon steaks.

    Sunday (toddlerwiggles un-birthday) - SFC boneless boxes + homemade chips + beans + salad.

    - Fish (or chicken) and chips
    - golden drummers and waffles
    - sausage and chips/ mash/ boiled potatoes
    - pasta bake
    - cheese, ham, egg, potato bake
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 16th Oct 11, 11:33 PM
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    chickywiggle
    Saturday 15th October

    NSD

    Targets:

    Food shopping = £0
    Baby shopping = £0
    Other essential shopping (cleaning products etc) = £0


    Random = £0
    Days out = £0


    meals out/ takeaways = £0.
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 16th Oct 11, 11:37 PM
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    chickywiggle
    Sunday 16th October



    Due to hubby's working hours (and horrible manager) we decided to celebrate toddlerwiggle's birthday a day early (he's only 3 so wasn't really aware of days anyway)

    - £14 spend in Burger King.


    Targets:

    Food shopping = £0
    Baby shopping = £0
    Other essential shopping (cleaning products etc) = £0


    Random = £0
    Days out = £0


    meals out/ takeaways = £14.
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 16th Oct 11, 11:41 PM
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    chickywiggle
    Monday 17th October


    Happy Real 3rd Birthday Toddlerwiggle.

    Trip to meet my friend and her kids at playcentre (£3.50). Lunch/ Drink there (£10.50). - not included in target spends as taken out my money due to large overspend on tinywiggle essentials (see below).


    Few bits in town in preperation for holiday:
    Baby (£8.95)
    misc (£3.59)
    clothes - tinywiggle snowsuit and boots (£16.20)
    baby- fitted sheets as moved tinywiggle into his bed out of cot (£8.10)
    baby- duvet/ pillow/ covers for tinywiggles bed (£22.79)


    Targets:

    Food shopping = £0
    Baby shopping = £39.84
    Other essential shopping (cleaning products etc) = £0


    Random = £3.59
    Days out = £0


    meals out/ takeaways = £0.
    Clothes = £16.20
    Presents (birthday/ Christmas) = £0
    Last edited by chickywiggle; 21-10-2011 at 9:51 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 16th Oct 11, 11:42 PM
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    chickywiggle
    Tuesday 18th October



    NSD
    Last edited by chickywiggle; 21-10-2011 at 9:11 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 16th Oct 11, 11:43 PM
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    • 26,910 Thanks
    chickywiggle
    Wednesday 19th October

    This will be a NSD as we are going away for the afternoon/ night/ morning and have allowed up to £100 from savings for this as toddlerwiggles/ hubby's joint treat.

    spent from savings - For info only
    drinks/ choccy - £5.65
    pub tea - £17.34
    misc (sent hubby to tesco with a £20 note - didn't see any change) - £20.
    lunch - £20ish

    Total: £62.99 approx
    Last edited by chickywiggle; 21-10-2011 at 9:18 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 16th Oct 11, 11:43 PM
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    • 26,910 Thanks
    chickywiggle
    Thursday 20th October

    This will be a mainly NSD (target wise) as we are going away for the Wed afternoon/ night/ morning and have allowed up to £100 from savings for this as toddlerwiggles/ hubby's joint treat.

    spent from savings - For info only
    pub brekkie - £13.57
    York castle museum entry - £17
    Jorvick viking museum and gladiator exhibition - £18.50

    Total: £49.07 approx

    Total holiday spend: £112.06. as hubby had £15 birthday money from my mum this overspend was ok.


    Additional money spent:

    Targets:

    nibbles for way home, shoelaces, milk, ham

    Food shopping = £6.89
    Baby shopping = £0
    Other essential shopping (cleaning products etc) = £0


    Random = £1
    Days out = £0


    meals out/ takeaways = £0.
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    Last edited by chickywiggle; 21-10-2011 at 9:24 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 16th Oct 11, 11:46 PM
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    • 26,910 Thanks
    chickywiggle
    Friday 21st October




    more milk (I blame this cold am drinking tea like it's going out of fashion), cold and flu tablets and baby biscuits.
    (can't find receipt)

    Targets:

    Food shopping = £0.54
    Baby shopping = £1 (ish)
    Other essential shopping (cleaning products etc) = £0.50


    Random = £0
    Days out = £0


    meals out/ takeaways = £0.
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    Last edited by chickywiggle; 21-10-2011 at 9:26 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 21st Oct 11, 9:45 PM
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    chickywiggle

    Week 10- a summary



    YAYAAYAY reallly stuck to targets and made lots of sales/ got vouchers which made the week even better.


    Targets:

    Food shopping = £7.43/ £20
    Baby shopping = £40.84/ £20 (didn't need to get powder milk but a masssive overspend due to needing to move tinywiggle out of his cot into this bed 3 months earlier then planned....... and forgetting to take the vouchers when I bought things).
    Other essential shopping (cleaning products etc) = 50p/ £0


    Random = £4.59/ £10
    Days out = £10 (taking toddlerwiggle to playcentre for his birthday)


    meals out/ takeaways = £14/ £20
    Clothes = £16.20/ £0
    Presents (birthday/ Christmas) = £0

    Total available to spend = £80
    Total Spent = £83.56
    Overspend = £3.56


    Vouchers earnt/ recieved:
    - £10 Leisure voucher (consumer pulse)
    - £15 capital bonds (food diary)

    Money earnt:
    - £20 (PS2)
    - £20 (PS2 games)
    - £15 (dancemat)
    - £35 (tinywiggles old clothes)

    Total brought into the house this week: £115.

    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 21st Oct 11, 10:02 PM
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    chickywiggle
    Week 11

    Aiming for £100 a week still.

    Targets:

    Food shopping = £20
    Baby shopping = £25 (2 x stage 3 milk boxes £12, baby wipes, possibly nappies)
    Other essential shopping (cleaning products etc) = £0


    Random = £10
    Days out = £10

    meals out/ takeaways = £20
    Clothes = £0
    Presents (birthday/ Christmas) = £0

    Total available to spend = £85


    ~~~~~~~~~~~

    Meal Plan

    Saturday - Spag bol
    Sunday - roast pork
    monday - leftovers (pork and pasta bung-it-in)
    tuesday - burgers
    wednesday - pizza
    thurs - cheesy, ham, egg, potato bake
    fri - takeaway.
    Last edited by chickywiggle; 24-10-2011 at 11:24 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 21st Oct 11, 10:04 PM
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    chickywiggle
    Saturday 22nd October

    NSD


    Targets:

    Food shopping = £0
    Baby shopping = £0
    Other essential shopping (cleaning products etc) = £0


    Random = £0
    Days out = £0

    meals out/ takeaways = £0
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    Last edited by chickywiggle; 24-10-2011 at 9:47 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 21st Oct 11, 10:05 PM
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    chickywiggle
    Sunday 23rd October

    A productive day of sorting ebay sales from yesterday
    £6 earnt thro a doorstep collection of 1 item.
    £4 earnt from online sales (already paid)


    Listed more on local sale sites.

    Cupboard and fridge/ freezer inventory done to meal plan from (will add a link when I've done it).

    Trip to A for some bits for tea/ baby nappies.

    Targets:

    Food shopping = £8.56
    Baby shopping = £10
    Other essential shopping (cleaning products etc) = £1.28


    Random = £0
    Days out = £0

    meals out/ takeaways = £0
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    Last edited by chickywiggle; 24-10-2011 at 9:53 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 21st Oct 11, 10:06 PM
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    chickywiggle
    Monday 24th October

    Today HAS to be bargain central day!! Took the ebay stuff to the postoffice which is based within a co-op. Toddlerwiggle decided he needed more to eat (hollow legs - he'd already eaten an entire greggs sausage roll) so I said i'd buy him something.... walked past the clearance stand and couldn't believe my eyes that tinywiggles baby milk powder (£6.99 a tub that lasts 1 week) was HALF PRICE becuase they don't stock it. I couldn't grab all 5 off the shelf fast enough. I found this AFTER I'd paid full price for one in boots but hey ho. So I may have blown the baby budget this week but have saved myself £18 over the next 2 months!

    Also went to poundland on the hunt for a DVD drive cleaner (nearly died last night when the boys tv/dvd combi stopped working and thought I was going to have to find/ use vouchers for £100 new one.) didn't get one there but did get a few other housey/ baby bits

    i did actually manage to get one tho in another shop for £2 - and it worked YAYAYAY so money is safly tucked away for future.


    Targets:

    Food shopping = £2
    Baby shopping = £29.84
    Other essential shopping (cleaning products etc) = £6


    Random = £0
    Days out = £0

    meals out/ takeaways = £0
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    Last edited by chickywiggle; 24-10-2011 at 10:05 PM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 21st Oct 11, 10:06 PM
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    • 26,910 Thanks
    chickywiggle
    Tuesday 25thOctober

    my auntie and cousins came to visit and meet the boys (and bring with them pressies of clothes, toys, books and games for toddlerwiggle) so had to nip out for bread rolls/ salad (and decided to stock up on baby food while there).


    Targets:

    Food shopping = £4.48
    Baby shopping = £5.59
    Other essential shopping (cleaning products etc) = £0


    Random = £1.50
    Days out = £0

    meals out/ takeaways = £0
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    Last edited by chickywiggle; 28-10-2011 at 10:40 AM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 21st Oct 11, 10:07 PM
    • 5,139 Posts
    • 26,910 Thanks
    chickywiggle
    Wednesday 26th October

    NSD

    Targets:

    Food shopping = £0
    Baby shopping = £0
    Other essential shopping (cleaning products etc) = £0


    Random = £0
    Days out = £0

    meals out/ takeaways = £0
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    Last edited by chickywiggle; 28-10-2011 at 10:40 AM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 21st Oct 11, 10:07 PM
    • 5,139 Posts
    • 26,910 Thanks
    chickywiggle
    Thursday 27th October

    Would like to say NSD but hubby went shopping on his own with the kids (UHH OHHHH)..... sent him with £10 for bread, eggs and milk......... didn't get any change but toddlerwiggle came back with pressies.....hmmmmmmmmmmmm

    Therefore can't record it here. GRRR

    On the plus side £5 payment recieved from ebay sales

    Targets:

    Food shopping = £0
    Baby shopping = £0
    Other essential shopping (cleaning products etc) = £0


    Random = £0
    Days out = £0

    meals out/ takeaways = £0
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    Last edited by chickywiggle; 28-10-2011 at 10:51 AM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
    • chickywiggle
    • By chickywiggle 21st Oct 11, 10:08 PM
    • 5,139 Posts
    • 26,910 Thanks
    chickywiggle
    Friday 28thOctober

    went to Tesco on way home and only got poatoes - YAYAY.

    Targets:

    Food shopping = £0.98p
    Baby shopping = £0
    Other essential shopping (cleaning products etc) = £0


    Random = £0
    Days out = £0

    meals out/ takeaways = £0
    Clothes = £0
    Presents (birthday/ Christmas) = £0
    Last edited by chickywiggle; 28-10-2011 at 10:43 AM.
    loves how my "I've been censored" signature has been censored. LOL. Happy Christmas.
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