Would love any support to keep me...

Kareful_K

:beer: ...on the straight and narrow from 25 July (Payday) to 25 August. I'm hoping that continual posting on here in the form of a personal diary WILL keep me to my budget...

OH Salary: 2075
OH Bonus: 1000
Less tax @ approx 20%
Total: £2460:T

My Salary: 410.00
Ch Benefit: 126.00
Total: 536.00:T

Outgoings: D/D's:Rent: 415 (3 weeks as moving on 21st aug)
Car: 232.33
Sofa: 48.71
Carphone WH: 5.99

OH One Offs: Stag: 58.00 (for stag do in september)
Allied:211.00 (for survey on house we didnt buy!)
Dad: 50.00 (borrowed @ 0%!!!)
Mum:130.00 (borrowed @ 0%!!!)

My One Offs: Hen: 60.00
Dep for party: 50.00 (My friend's surprise 30th, refundable dep)

Budgeted items: Groceries: 200.00 (ambitious goal!)
Petrol: 100.00 (walking everywhere!)
Trip to Safari Park: 50.00
Trip to Brother: 50.00
Extras for kids: 50.00
Smoking: 167.40 (one stp at a time)
Nite out: 10.00

DD from my a/c: Gas: 35.00
Elec: 25.00
TV Lic: 11.79
Currys: 2.99
Bus storage:45.00 (my hubby's hobby!)

Total Spend: £1898 :mad:

TOTAL LEFT = £963 (assuming tax is correct)

ALL GROCERY, PETROL, SMOKING & EXCESS TO BE PAID TO CREDIT CARD.

ALL ONE OFF BIG SPENDS, EG CHRISTMAS, TO BE BUDGETED FOR AS OF AUGUST SALARY.

My hubby & I had our lightbulb moment recently and are really commited to becoming debt free over the next year if not sooner. Thus improving our credit rating and hopefully allowing us to gt the biggest debt ever in the form of a mortgage. :j

Cleosmum

You can do it!

Kareful_K

Kareful_K wrote: »

:beer: ...on the straight and narrow from 25 July (Payday) to 25 August. I'm hoping that continual posting on here in the form of a personal diary WILL keep me to my budget...

OH Salary: 2075
OH Bonus: 1000
Less tax @ approx 20%
Total: £2460:T

My Salary: 410.00
Ch Benefit: 126.00
Total: 536.00:T

Outgoings: D/D's:Rent: 415 (3 weeks as moving on 21st aug)
Car: 232.33
Sofa: 48.71
Carphone WH: 5.99

OH One Offs: Stag: 58.00 (for stag do in september)
Allied:211.00 (for survey on house we didnt buy!)
Dad: 50.00 (borrowed @ 0%!!!)
Mum:130.00 (borrowed @ 0%!!!)

My One Offs: Hen: 60.00
Dep for party: 50.00 (My friend's surprise 30th, refundable dep)

Budgeted items: Groceries: 200.00 (ambitious goal!)
Petrol: 100.00 (walking everywhere!)
Trip to Safari Park: 50.00
Trip to Brother: 50.00
Extras for kids: 50.00
Smoking: 167.40 (one stp at a time)
Nite out: 10.00

DD from my a/c: Gas: 35.00
Elec: 25.00
TV Lic: 11.79
Currys: 2.99
Bus storage:45.00 (my hubby's hobby!)

Total Spend: £1898 :mad:

TOTAL LEFT = £963 (assuming tax is correct)

ALL GROCERY, PETROL, SMOKING & EXCESS TO BE PAID TO CREDIT CARD.

ALL ONE OFF BIG SPENDS, EG CHRISTMAS, TO BE BUDGETED FOR AS OF AUGUST SALARY.

My hubby & I had our lightbulb moment recently and are really commited to becoming debt free over the next year if not sooner. Thus improving our credit rating and hopefully allowing us to gt the biggest debt ever in the form of a mortgage. :j

Need to add moving expense...doh! Will update when I know :rotfl:

beanielou

So glad I dont get invited to lots of Hen nights!

notenoughcash

Well done on your LBM to start with, one small step.......

I stopped smoking 7 months ago now and if I can do it then anyone can so good luck for when you decide it's time!

As for your grocery spends I'm sure you will be able to keep within that amount, I have two boys who are almost impossible to fill and we manage easily on £120 per month. Try the old style moneysaving board for some tips, there's someone on there who lives on 50p per day!

The best thing I ever did towards saving money was to open a second account. I worked out how much I could afford as spends and how much I actually needed for spends and came up with a reasonable amount which I transfer into my second account by standing order each week. I leave the card for my main account at home so I'm not tempted to use it. There's more than enough in there to cover all my DDs and the amount is slowly creeping up month on month too.

Have you tried www.spendingdiary.com to keep track of your spending? Seeing it all add up soon makes you stop!!

Bagpuss741

Good luck!! Can I just second the spending diary that notenoughcash has put a link to it's fab. Also have a look at the OS thread, this will help to keep food costs down.

http://forums.moneysavingexpert.com/forumdisplay.html?f=33

Kareful_K

Thank you for all your (nec & bp) tips so far...just off to look at the link!