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  • FIRST POST
    • Roxanne1988
    • By Roxanne1988 2nd Jul 17, 5:16 PM
    • 32Posts
    • 35Thanks
    Roxanne1988
    My spending and debt free diary!
    • #1
    • 2nd Jul 17, 5:16 PM
    My spending and debt free diary! 2nd Jul 17 at 5:16 PM
    After lurking for a very long time I've decided to start my own journey! I've been debt free before then decided to spend more than our means! It's now got to the point I'm spending on the credit cards for no reason at all and just for silly things for the house!

    I've always planned to make sure we had emergency savings in case something happened but we never quite got there and something happened! My husband was cycling home from work when he hit the curb to hard and fell off his bike! He broke his elbow and now has to have 6 weeks off work! He took a holiday for the first week but we now have 5 weeks of sick pay! It will be a reduction of nearly £300 per payday! He gets paid fortnightly. Luckily his dad said he will pay our rent for the month and it's just the council tax we have to find but its so stressful! Savings would have been great!

    He goes back to work on 26th July so counting down the days! I'm going to use this as a 'what we spent today' diary then hopefully when we have a regular income again a debt free diary!

    Anyway some background! We are a family of four! My dd will be 7 in 2 weeks and my ds will be 4 on Xmas day! My and my dh have been married for 5 years! Life is good apart from money! My husband works full time but on a zero hour contract and I am a carer for my uncle. Will post a soa soon!

    With love x
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
Page 1
    • Roxanne1988
    • By Roxanne1988 2nd Jul 17, 6:00 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    • #2
    • 2nd Jul 17, 6:00 PM
    2nd July
    • #2
    • 2nd Jul 17, 6:00 PM
    Today has been a nsd!

    We have had a very busy day! My brother is hopefully getting a car valet business up and running so did a practice run on my car for free! It looks amazing and like a brand new car again!

    I finished painting my daughters room. Still needs another coat good body magic though!

    My daughter was invited to a birthday party. Gift found under my bed from unwanted Christmas gifts! No spend there! We all ended up going to the party took some money for drinks but they had some ready for the kids and we just sipped theirs!! Kids keeping themselves busy with drawing till its bath and bed time!

    Going to have a proper look at all our accounts tonight and get actual figures for our debt and were we are finically!

    X
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Cumbria lass
    • By Cumbria lass 2nd Jul 17, 6:53 PM
    • 803 Posts
    • 3,896 Thanks
    Cumbria lass
    • #3
    • 2nd Jul 17, 6:53 PM
    • #3
    • 2nd Jul 17, 6:53 PM
    Good luck Roxanne ! Hope hubby better soon.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • UncannyScot
    • By UncannyScot 2nd Jul 17, 7:06 PM
    • 746 Posts
    • 4,490 Thanks
    UncannyScot
    • #4
    • 2nd Jul 17, 7:06 PM
    • #4
    • 2nd Jul 17, 7:06 PM
    Hello and welcome to the board
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • LadyP01
    • By LadyP01 2nd Jul 17, 8:35 PM
    • 85 Posts
    • 221 Thanks
    LadyP01
    • #5
    • 2nd Jul 17, 8:35 PM
    • #5
    • 2nd Jul 17, 8:35 PM
    Hey welcome and good luck.

    Sorry to hear about your dh there's a few boards on here who have gone through the same thing with sick pay it's a killer especially for that long.
    • Roxanne1988
    • By Roxanne1988 2nd Jul 17, 8:48 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    • #6
    • 2nd Jul 17, 8:48 PM
    • #6
    • 2nd Jul 17, 8:48 PM
    We still don't have a clue how much he will get! We know it's £89 on the government website but some girl from his works was on sick the other month and she only got £52 and his boss said it was £52! We will wait and see!

    Thank you for your welcomes! Xx
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Roxanne1988
    • By Roxanne1988 3rd Jul 17, 7:15 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    • #7
    • 3rd Jul 17, 7:15 PM
    3rd July
    • #7
    • 3rd Jul 17, 7:15 PM
    Been a busy day but a low spend day!

    Had to return some paint we never used so that was £10 back in the bank!

    My mum and dad bought a little puppy today so they gave me £15 for some essentials for him but we ended up spending £19.85 so we put in the £4.85. We went the shop to buy wallpaper paste which we completely forgot! (Too busy shopping for puppy!) so we will have to make a trip to the diy store in the morning!

    Hubby had a physio therapy appointment at the hospital luckily we still have free parking at the hospital if you ever find a parking space! Twenty minutes of driving round I finally found one! We took our son with us but he was beyond bored ended up at the hospital shop so spent £3.80 on two ice creams and a bottle of pop.

    Mum kindly cooked tea for us so I can use the food planned on another meal! My husbands bank account is dwindling quickly and we are still none the wiser how much he will get on the 7th! Taking it day by day! Physio said he is making progress another appointment booked for 17th then hopefully he will be ready for work!

    Total spent: £8.65 - nothing essential bought need to stop spending on silly things!

    Much love
    X
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Roxanne1988
    • By Roxanne1988 3rd Jul 17, 9:35 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    • #8
    • 3rd Jul 17, 9:35 PM
    • #8
    • 3rd Jul 17, 9:35 PM
    Forgot I put £5 in our nephews birthday card for the end of the month so our total spend for today was £13.64!

    Tomorrows plans are to get the wallpaper paste and start the wallpaper! My daughter has requested a new unicorn themed room for her birthday! Hopefully a low spend day tomorrow! X
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Roxanne1988
    • By Roxanne1988 4th Jul 17, 4:37 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    • #9
    • 4th Jul 17, 4:37 PM
    • #9
    • 4th Jul 17, 4:37 PM
    Today's spends so far are £5.90 in diy shop for paste and brush!

    We are running out of food and its shop day tomorrow! Tempted to do a big freezer shop on the credit card but I know that's defeating the objective and I'm meant to be saving money not spending more on the credit card. We won't get a decent wage till at least 18th August it's going to prove costly if we keep adding things to the cards.

    Will make some dinner from the food we have left then will make a proper shopping list for tomorrow! We have been managing on £35 a week for four of us and its getting tough!

    Hubby arm seems much better today so hopefully on track go back to work! X
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Roxanne1988
    • By Roxanne1988 5th Jul 17, 9:21 AM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    5th July
    So it's about 9.30am and I'm already spent up! Today was my weekly payday so had to buy petrol and groceries!

    Petrol: £15 (instead of my usual £20 hope we can make it last!)
    Groceries: £44.85 (we normally budget £50 but been trying to keep it around £35 whilst hubby is on sick but I'm happy with this we needed a lot of food!)
    Car fund: £25 (this is towards our monthly car payment we have to take £50 out each week to make sure we have enough for the payment at the end of the month!)

    Total so far: £84.85

    Going shopping with my mum later on this morning hopefully I won't spend anymore as I'm just there for company!

    Xx

    Update:
    Phone credit: £20 (for both phones)
    Shopping: £9.25 in b&m (£4 for a present rest was on junk

    Total: £ 114.10 for today! Hopefully no more!
    Last edited by Roxanne1988; 05-07-2017 at 1:29 PM.
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • beanielou
    • By beanielou 5th Jul 17, 7:29 PM
    • 48,560 Posts
    • 178,861 Thanks
    beanielou
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Roxanne1988
    • By Roxanne1988 6th Jul 17, 5:20 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    The council tax needed to be paid today so that was £109 spent but classing it as a nsd as we saved last month for the council tax!

    I've been ill for the last two days with colitis so not been feeling that great! Finally made a doctors appointment and he gave me a bag loads of medicine! Thank goodness we are still entitled to help with prescriptions!

    Xx
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Roxanne1988
    • By Roxanne1988 6th Jul 17, 7:21 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    Takeaway: £9

    I'm in too much pain too cook and my husband ordered a takeaway! I'm going to eat and enjoy it but annoyed he bought when money is so tight! Could be worse and it's normally double that amount!

    Live and learn!
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Roxanne1988
    • By Roxanne1988 7th Jul 17, 7:03 AM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    Payday
    It's hubby's payday and his first since being on sick! It was surprisingly good which makes me wonder if his boss has messed up his holidays and paid him them instead.. Which they ain't allowed to do! We won't know till he collects his pay slip!

    Rent: £100

    No plans for today I'm still in a lot of pain and the house needs a scrub!
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Roxanne1988
    • By Roxanne1988 7th Jul 17, 4:53 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    Toiletries and party stuff £20

    Ended up making a trip to a discount shop and got a lot for our money! My daughter is having a friend round and we promised them a takeaway! Going to try and make something whilst they are playing I'm sure they won't hold us to it! I wanted the whole week to be nsd but life happens! Got horse riding lesson and a school fayre tomorrow so need to budget that cost! X
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • indigowarrior
    • By indigowarrior 7th Jul 17, 5:46 PM
    • 281 Posts
    • 2,028 Thanks
    indigowarrior
    Subscribed good luck.
    #545- SPC
    Homeowner by 40
    August Nsd 1/15
    • Roxanne1988
    • By Roxanne1988 7th Jul 17, 9:27 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    Subscribed good luck.
    Originally posted by indigowarrior
    Welcome! Thank you for subscribing! Xx
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Roxanne1988
    • By Roxanne1988 8th Jul 17, 7:57 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    8th July
    Water: £14
    Electric: £10
    Horse riding lesson: £11
    School fair: £10
    eBay purchase: £2

    Total: £47

    Spent loads today and I didn't even leave my bed! I'm feeling much better now hopefully last flare up for a while! Need to buy my mum a birthday present tomorrow! Hopefully we will find something relatively cheap!

    Xx
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Roxanne1988
    • By Roxanne1988 9th Jul 17, 1:13 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    9th July
    Shoes: £5 (reduced from £25! Perfect for hubby)
    Medicine: £3 (for ds he has bad hayfever and we go through piriton like anything!)
    £shop: £3 ( housecleaning stuff!)

    Total: £11

    Still no present for mum but I have an idea!

    Xx
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
    • Roxanne1988
    • By Roxanne1988 10th Jul 17, 10:49 PM
    • 32 Posts
    • 35 Thanks
    Roxanne1988
    Today's spends!

    Finally found my mum a present and it was half off so made up! Then we went for lunch as both kids were in school! We didn't spend too much though!

    Present: £17.50
    Food: £8
    Discount shop: £6.14

    Total: £31.64

    Those small shops really start to add up! I'm going to make sure we have a nsd tomorrow!

    Xx
    MBNA- £740 now - £550 DFS - £366 now - £320.25 Barclays - £1966.50 now - £1811.40
    TOTAL NOW: £2681.65
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