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  • FIRST POST
    • marmiterulesok
    • By marmiterulesok 2nd Dec 17, 5:43 PM
    • 7,410Posts
    • 33,627Thanks
    marmiterulesok
    'I will take control again/spending does not mean happiness/get real numpty' diary.
    • #1
    • 2nd Dec 17, 5:43 PM
    'I will take control again/spending does not mean happiness/get real numpty' diary. 2nd Dec 17 at 5:43 PM
    Well, my savings are almost gone.I've spend a hell of a lot of money recently on a variety of things.Now,i have to draw in the purse strings,budget like a mad woman and start saving again as much as possible.

    Today I spent almost 20 francs on groceries.
    Hopefully tomorrow will be an NSD.
    That's the plan anyway.

    I've sorted out my budget and got money for various things in envelopes ie grocery,pension,toiletries etc.Most importantly, I have removed my cards from my purse, which will make a massive difference.

    When I pay my CC bill at the beginning of January, it might be the first time ever that I can't pay it all off in one go.
    Oh the shame.
    I MIGHT manage to pay it all off.We shall see.
    Nsd september 2/10
    I need to learn to budget again
Page 1
    • beanielou
    • By beanielou 2nd Dec 17, 8:08 PM
    • 49,035 Posts
    • 182,072 Thanks
    beanielou
    • #2
    • 2nd Dec 17, 8:08 PM
    • #2
    • 2nd Dec 17, 8:08 PM
    Marmite

    You are not a numpty
    Good to see you & hope all well in your world.
    Take care
    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***
    • marmiterulesok
    • By marmiterulesok 2nd Dec 17, 8:33 PM
    • 7,410 Posts
    • 33,627 Thanks
    marmiterulesok
    • #3
    • 2nd Dec 17, 8:33 PM
    • #3
    • 2nd Dec 17, 8:33 PM
    Marmite

    You are not a numpty
    Good to see you & hope all well in your world.
    Take care
    Originally posted by beanielou
    Ah thanks beanie!
    Got to start somewhere....
    I'm soso health wise,but it could be worse.
    I feel old, well, you know, everything seems a struggle.
    How are you?
    Nsd september 2/10
    I need to learn to budget again
    • beanielou
    • By beanielou 2nd Dec 17, 9:19 PM
    • 49,035 Posts
    • 182,072 Thanks
    beanielou
    • #4
    • 2nd Dec 17, 9:19 PM
    • #4
    • 2nd Dec 17, 9:19 PM
    Ah thanks beanie!
    Got to start somewhere....
    I'm soso health wise,but it could be worse.
    I feel old, well, you know, everything seems a struggle.
    How are you?
    Originally posted by marmiterulesok
    We must be twins.
    So so health wise.
    Could be worse but oh so could be better.
    Everything is just such a struggle & I am SO tired all the time.
    Apart from that
    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***
    • marmiterulesok
    • By marmiterulesok 3rd Dec 17, 1:38 AM
    • 7,410 Posts
    • 33,627 Thanks
    marmiterulesok
    • #5
    • 3rd Dec 17, 1:38 AM
    • #5
    • 3rd Dec 17, 1:38 AM
    We must be twins.
    So so health wise.
    Could be worse but oh so could be better.
    Everything is just such a struggle & I am SO tired all the time.
    Apart from that
    Originally posted by beanielou
    Life sucks sometimes, but I know that I'm very lucky in many ways.My 'get up and go' is lacking, but I know that it's not a case of not trying.
    I'm sorry that you can relate so much...
    My legs are very tired and heavy and it could be a new tablet (I think it is) or it could be the MS.Hmmm.Argh!
    I hope that today is a good day for you.
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 3rd Dec 17, 8:31 AM
    • 7,410 Posts
    • 33,627 Thanks
    marmiterulesok
    • #6
    • 3rd Dec 17, 8:31 AM
    • #6
    • 3rd Dec 17, 8:31 AM
    Ok, no more grocery budget money left, but there's nothing I need.Today should be ok.In theory ha.
    Nsd september 2/10
    I need to learn to budget again
    • beanielou
    • By beanielou 3rd Dec 17, 4:09 PM
    • 49,035 Posts
    • 182,072 Thanks
    beanielou
    • #7
    • 3rd Dec 17, 4:09 PM
    • #7
    • 3rd Dec 17, 4:09 PM
    When does your new grocery budget kick in?
    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***
    • marmiterulesok
    • By marmiterulesok 5th Dec 17, 4:51 PM
    • 7,410 Posts
    • 33,627 Thanks
    marmiterulesok
    • #8
    • 5th Dec 17, 4:51 PM
    • #8
    • 5th Dec 17, 4:51 PM
    When does your new grocery budget kick in?
    Originally posted by beanielou
    I've been trying to get it back in gear since about a month.The amount can vary,depending on what money I have left.
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 5th Dec 17, 4:51 PM
    • 7,410 Posts
    • 33,627 Thanks
    marmiterulesok
    • #9
    • 5th Dec 17, 4:51 PM
    • #9
    • 5th Dec 17, 4:51 PM
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household......... 0
    Number of cars owned.................... 0

    Monthly Income Details

    Monthly income after tax................ 4332.25
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 4332.25


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 1600
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 0
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0 (telephone,TV and internet access paid as a bundle)
    Mobile phone............................ 60.6
    TV Licence.............................. 39
    Satellite/Cable TV...................... 149.55
    Internet Services....................... 0
    Groceries etc. ......................... 60
    Clothing................................ 50
    Petrol/diesel........................... 0
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 76
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 482.2
    Pet insurance/vet bills................. 40
    Buildings insurance..................... 0
    Contents insurance...................... 30
    Life assurance ......................... 184
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 10
    Haircuts................................ 30
    Entertainment........................... 10
    Holiday................................. 10
    Emergency fund.......................... 10
    Cat Food & Litter ...................... 70
    Alarm System............................ 139.3
    Emla cream.............................. 10
    Toiletries.............................. 30
    Pedicure................................ 10
    Household............................... 10
    Shoe Repairs............................ 10
    Renters' Assoc.......................... 5
    Swimming Pool sub....................... 15
    MS sub.................................. 5
    Compression Tights...................... 10
    Spotify................................. 13
    Netflix................................. 14.9
    Health & Beauty......................... 125
    Bank sub................................ 15
    Dentist................................. 30
    Cinema sub.............................. 40
    Federal Tax............................. 110
    Pension................................. 150
    Total monthly expenses.................. 3653.55



    Assets

    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 0
    Other assets............................ 0
    Total Assets............................ 0


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Total unsecured debts..........0.........0.........-



    Monthly Budget Summary

    Total monthly income.................... 4,332.25
    Expenses (including HP & secured debts). 3,653.55
    Available for debt repayments........... 678.7
    Monthly UNsecured debt repayments....... 0
    Amount left after debt repayments....... 678.7


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -0
    Net Assets.............................. 0


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.


    This is in francs,not pounds BTW.It's just to give me an overview.I haven't filled everything out.I don't atually have any debt, apart from my upcoming cc bill (payable beginning January),where i think I'll struggle to pay the whole thing.
    Whole thing not fully completed yet.
    Got three savings accounts (though two practically empty)
    Last edited by marmiterulesok; 05-12-2017 at 4:57 PM.
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 5th Dec 17, 4:56 PM
    • 7,410 Posts
    • 33,627 Thanks
    marmiterulesok
    I just want to start building up my savings again....
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 5th Dec 17, 5:03 PM
    • 7,410 Posts
    • 33,627 Thanks
    marmiterulesok
    Sunday was a bust.I spend money from this week's budget.Ok, not the end of the world.This month the budget runs from monday to Monday.
    10f on sugar (was jam making),an ice lolly and a postcard.

    Yesterday i went out with my bank card in order to pay for cat food at the vet's.Kitty has to eat special renal food.
    I also managed to purchase a pair of shoes (unneeded #160f and various groceries # 72,6f).So in theory that's this week's grocery budget spent...I'll see if I can get by with 10f for the rest of the week.

    Today not been out yet,spent nothing.Oh, need to nip out and get loo roll.
    Nsd september 2/10
    I need to learn to budget again
    • beanielou
    • By beanielou 5th Dec 17, 5:18 PM
    • 49,035 Posts
    • 182,072 Thanks
    beanielou
    So you are very aware of what you spend & thats great.
    JUst as good is that you have no debt which is even more great.
    I am sure you can start saving come the New Year.
    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***
    • marmiterulesok
    • By marmiterulesok 5th Dec 17, 6:24 PM
    • 7,410 Posts
    • 33,627 Thanks
    marmiterulesok
    Thanks beanie.
    You are a dear.
    Nsd september 2/10
    I need to learn to budget again
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